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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Thursday, February 12, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.511%)
Points/ Credits$397
Payment$1,817
Save $46,138 over 30 years

Wells Fargo

Rate6% (APR=6.15%)
Points/ Credits$9,815
Payment$1,919
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, February 12, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.536%)
Points/ Credits$515
Payment$2,016
Save $31,203 over 30 years

Chase

Rate5.99% (APR=6.069%)
Points/ Credits$2,853
Payment$2,096
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
Rate5.75% (APR=5.785%)
Points/ Credits$563
Payment$875
Save $22,522 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, February 12, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.417%)
Points/ Credits$942
Payment$1,120
Save $34,984 over 30 years

Bank of America

Rate6.125% (APR=6.345%)
Points/ Credits$1,726
Payment$1,215
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, February 12, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.5% (APR=5.513%)
Points/ Credits$515
Payment$1,987
Save $25,421 over 30 years

Guaranteed Rate

Rate5.775% (APR=6.167%)
Points/ Credits$3,976
Payment$2,048
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, February 12, 2026 - 1:50 PM (Pacific Time)

Loan Factory Logo
Rate5.375% (APR=5.397%)
Points/ Credits$400
Payment$896
Save $20,800 over 30 years

Better.com

Rate5.875% (APR=6.039%)
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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