Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, January 16 2026 at 5:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.5% (APR=5.515%) | 6% (APR=6.15%) |
| Points / Credits | $538 | $9,682 |
| Payment | $1,817 | $1,919 |
| Saving over 30 years | $45,864 | $0 |
(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 Friday, January 16 2026 at 5:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 5.5% (APR=5.553%) | 5.875% (APR=5.975%) |
| Points / Credits | $784 | $2,853 |
| Payment | $2,028 | $2,070 |
| Saving over 30 years | $17,326 | $0 |
(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 Saturday, August 23 2025 at 4:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.785%) | 6.375% (APR=6.566%) |
| Points / Credits | $563 | $1,125 |
| Payment | $875 | $936 |
| Saving over 30 years | $22,522 | $0 |
(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 Friday, January 16 2026 at 5:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.375% (APR=5.427%) | 6.125% (APR=6.354%) |
| Points / Credits | $1,148 | $1,726 |
| Payment | $1,120 | $1,215 |
| Saving over 30 years | $34,778 | $0 |
(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 Friday, January 16 2026 at 5:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.5% (APR=5.516%) | 5.625% (APR=5.937%) |
| Points / Credits | $609 | $4,281 |
| Payment | $1,987 | $2,015 |
| Saving over 30 years | $13,752 | $0 |
(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 Friday, January 16 2026 at 5:01 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.375% (APR=5.42%) | 5.75% (APR=5.955%) |
| Points / Credits | $792 | $3,200 |
| Payment | $896 | $934 |
| Saving over 30 years | $16,088 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)