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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, March 24, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.041%)
Points/ Credits$1,414
Payment$1,919
Save $45,807 over 30 years

Wells Fargo

Rate6.5% (APR=6.668%)
Points/ Credits$9,781
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 Tuesday, March 24, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.164%)
Points/ Credits$84
Payment$2,167
Save $19,055 over 30 years

Chase

Rate6.5% (APR=6.597%)
Points/ Credits$2,853
Payment$2,212
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 Tuesday, March 24, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.134%)
Points/ Credits$432
Payment$2,734
Save $693 over 30 years

Citibank

Rate6.125% (APR=6.223%)
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 Tuesday, March 24, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.933%)
Points/ Credits$1,252
Payment$1,183
Save $35,754 over 30 years

Bank of America

Rate6.625% (APR=6.832%)
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 Tuesday, March 24, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.134%)
Points/ Credits$319
Payment$2,127
Save $17,984 over 30 years

Guaranteed Rate

Rate6.3% (APR=6.615%)
Points/ Credits$4,263
Payment$2,166
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 Tuesday, March 24, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6%)
Points/ Credits$0
Payment$959
Save $12,560 over 30 years

Better.com

Rate6.25% (APR=6.463%)
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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