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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Thursday, January 22, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate8% (APR=8.003%)
Points/ Credits$83
Payment$2,348
Save $0 over 30 years

Wells Fargo

Rate6.125% (APR=6.277%)
Points/ Credits$9,324
Payment$1,944
Save $0 over 30 years

Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Chase

Rates as of Thursday, January 22, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate7.75% (APR=7.815%)
Points/ Credits$500
Payment$2,548
Save $0 over 30 years

Chase

Rate6% (APR=6.096%)
Points/ Credits$2,853
Payment$2,098
Save $0 over 30 years

Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Citibank

Rates as of Friday, August 22, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.906%)
Points/ Credits$495
Payment$887
Save $18,270 over 30 years

Citibank

Rate6.375% (APR=6.566%)
Points/ Credits$1,125
Payment$936
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Bank of America

Rates as of Thursday, January 22, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.426%)
Points/ Credits$1,134
Payment$1,120
Save $40,552 over 30 years

Bank of America

Rate6.25% (APR=6.473%)
Points/ Credits$1,726
Payment$1,231
Save $0 over 30 years

Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Guaranteed Rate

Rates as of Thursday, January 22, 2026 - 1:51 PM (Pacific Time)

Loan Factory Logo
Rate5.625% (APR=5.628%)
Points/ Credits$123
Payment$2,015
Save $21,941 over 30 years

Guaranteed Rate

Rate5.85% (APR=6.144%)
Points/ Credits$4,064
Payment$2,065
Save $0 over 30 years

Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Better.com

Rates as of Thursday, January 22, 2026 - 1:51 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.528%)
Points/ Credits$498
Payment$908
Save $16,382 over 30 years

Better.com

Rate5.875% (APR=6.063%)
Points/ Credits$3,200
Payment$946
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock

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