Mortgage Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, January 16, 2026 - 2:00 PM (Pacific Time)
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 - 2:00 PM (Pacific Time)
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)
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 - 2:00 PM (Pacific Time)
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 - 2:01 PM (Pacific Time)
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 - 2:01 PM (Pacific Time)
Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock