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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, March 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.039%)
Points/ Credits$1,344
Payment$1,919
Save $45,305 over 30 years

Wells Fargo

Rate6.5% (APR=6.643%)
Points/ Credits$9,209
Payment$2,023
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 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.164%)
Points/ Credits$84
Payment$2,167
Save $18,227 over 30 years

Chase

Rate6.49% (APR=6.584%)
Points/ Credits$2,853
Payment$2,210
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 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.023%)
Points/ Credits$1,125
Payment$2,698
Save $12,960 over 30 years

Citibank

Rate6.125% (APR=6.235%)
Points/ Credits$1,125
Payment$2,734
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 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.921%)
Points/ Credits$1,000
Payment$1,183
Save $29,886 over 30 years

Bank of America

Rate6.5% (APR=6.742%)
Points/ Credits$1,726
Payment$1,264
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 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.051%)
Points/ Credits$1,908
Payment$2,098
Save $25,000 over 30 years

Guaranteed Rate

Rate6.275% (APR=6.594%)
Points/ Credits$4,228
Payment$2,161
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 20, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.898%)
Points/ Credits$400
Payment$946
Save $16,840 over 30 years

Better.com

Rate6.25% (APR=6.431%)
Points/ Credits$3,200
Payment$985
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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