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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, March 27, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.177%)
Points/ Credits$1,768
Payment$1,944
Save $45,649 over 30 years

Wells Fargo

Rate6.625% (APR=6.794%)
Points/ Credits$9,617
Payment$2,049
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 Friday, March 27, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.214%)
Points/ Credits$1,934
Payment$2,167
Save $27,591 over 30 years

Chase

Rate6.625% (APR=6.72%)
Points/ Credits$2,853
Payment$2,241
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, March 27, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.182%)
Points/ Credits$2,732
Payment$2,734
Save $11,713 over 30 years

Citibank

Rate6.25% (APR=6.385%)
Points/ Credits$1,125
Payment$2,771
Save $0 over 30 years

Assumptions: Purchase price: $600,000. Loan amount: $450,000. ZIP code: 90001, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Bank of America

Rates as of Friday, March 27, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.148%)
Points/ Credits$498
Payment$1,215
Save $24,988 over 30 years

Bank of America

Rate6.625% (APR=6.852%)
Points/ Credits$1,726
Payment$1,281
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 Friday, March 27, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.18%)
Points/ Credits$2,034
Payment$2,127
Save $18,405 over 30 years

Guaranteed Rate

Rate6.325% (APR=6.634%)
Points/ Credits$4,239
Payment$2,172
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 Friday, March 27, 2026 - 11:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.137%)
Points/ Credits$200
Payment$972
Save $12,360 over 30 years

Better.com

Rate6.375% (APR=6.593%)
Points/ Credits$3,200
Payment$998
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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