Start your applicationGet started
We dare you to compare

We’ll beat your best mortgage offer — or pay you $2,000.

Loan Factory shops 230+ wholesale lenders to find your lowest rate — with no hidden fees and no hard credit pull to see your quote.

5.0 on Google230+ lendersLicensed in 48 statesNo credit impact
Today’s rates

See today’s best rate

Live wholesale pricing from our marketplace — no account, and checking never touches your credit.

30-year fixedMost popularLive
Avg 6.49%49 bps lower
Interest rate
6.00%
APR
6.050%
0 points$1,250 fee
15-year fixedLive
Avg 5.82%32 bps lower
Interest rate
5.50%
APR
5.550%
0 points$1,250 fee
Get your rateNo login required

Sample scenario — $450,000 loan, 75% LTV, 780+ FICO, primary residence. The rates shown reflect current market pricing; your rate, APR, and payment depend on your own loan amount, credit, and property. Benchmark: Freddie Mac PMMS 30-year fixed. Not a commitment to lend. NMLS #320841.

Homes financed through Loan Factory
$2,000
Best Price Guarantee

If we can’t beat another offer, you’ll receive $2,000.

Terms & Conditions
230+
Wholesale lenders competing for your loan
2,000+
Loan officers nationwide
$2B+
Closed in a single year
48
States licensed and lending
The comparison

One loan.
Two very different prices.

The Freddie Mac national average this week versus the rate our marketplace negotiates for you — same borrower, same 30-year loan.

Freddie Mac · national avg
6.49%30-yr fixed
Est. monthly payment$2,841/mo
Total interest (30 yr)$572,885
Loan Factory
Lowest
6.00%30-yr fixed
49 bps below the market
Est. monthly payment$2,698/mo
Total interest (30 yr)$521,272
You could save*
$51,613
over the life of the loan — about $143/mo back in your pocket.
$2,000 Best Price Guarantee
Beat our offer? We send you $2,000.†

Benchmark: Freddie Mac PMMS 30-year fixed-rate average, 6.49% (week of Jul 9, 2026). Sample scenario: a $450,000 loan versus a 6.00% rate — your own savings depend on your loan amount, credit, LTV, and occupancy. †Terms apply.

Trust & transparency

A licensed lender, not a lead form

Real people, real reviews, and pricing you can see before you share a thing. Here is what stands behind every quote.

#1 loan officer in the U.S.
Led by the country’s top loan officer

Founder & CEO Thuan Nguyen was ranked the #1 loan officer in America by Scotsman Guide (2021 & 2022) and was the first to close over $2 billion in a single year. Loan Factory is now the #2 largest mortgage broker in the U.S. — the same expertise now backs your file.

Licensed & regulated

NMLS #320841, licensed in 48 states, and an Equal Housing Lender.

Bank-level security

256-bit encryption on every connection. We never sell or share your data.

Transparent pricing

No application fee and no junk fees. The rate you see is the rate you get.

A real human, start to finish

One licensed loan officer stays with you from your first quote through closing day.

A marketplace, not a bank

Lenders compete. You win.

A bank can only offer you its own rate. As an independent broker, we shop 230+ wholesale lenders at once and let them compete for your loan — then hand you the winner. The Mortgage Bankers Association finds borrowers who compare lenders save 0.25–0.50% on their rate.

Wholesale, not retail

As a broker we tap volume discounts a single bank can’t — and pass the savings straight to you.

We earn less per loan

Our low-cost model means lower rates and fees, backed by the Best Price Guarantee.

One application, whole market

Your file goes to 230+ lenders at once instead of one bank’s shelf.

No application or junk fees

Only the real, required third-party costs — nothing padded on top.

Our lender network

230+ lenders, one application

A few of the wholesale lenders that compete for your loan on our platform — so you never have to shop them one by one.

Mega CapitalFundingProvidentFundingFinance of AmericaMortgageJMACLendingCarringtonMortgageREMNWholesaleRocketPro TPOPRMGResidentialHomebridgeWholesaleNewrezWholesaleOrionLendingTowneMortgageChampionsFundingArc HomeLendingPlazaHome MortgageKindLendingUWMWholesalePennymacTPO
Loan programs

A loan built for your situation

First home or fifth, W-2 or self-employed — there is a program that fits, and an officer who knows it well.

Most popular
Conventional

Fixed or adjustable terms with as little as 3% down for qualified buyers.

Check eligibility
Low down payment
FHA

Just 3.5% down and flexible credit — a strong fit for first-time buyers.

Check eligibility
For those who served
VA

0% down and no monthly mortgage insurance — an earned benefit for veterans.

Check eligibility
$0 down
USDA

No down payment for eligible homes in rural and suburban areas.

Check eligibility
Self-employed
Bank statement

Qualify with 12–24 months of deposits instead of W-2s or tax returns.

Check eligibility
High balance
Jumbo

Competitive rates for homes priced above conforming loan limits.

Check eligibility
Reviews

Trusted by thousands of borrowers

Rated 5.0 from 20,026+ reviews on Google

“We expected months of stress. Instead our officer walked us through everything, and we closed two weeks early.”

Marcus & Dana Reed
First home · Austin, TX
See all reviews on Google

Individual results vary. Rates and terms depend on your profile.

Loan Factory mobile

Your whole loan, in your pocket.

Manage your entire mortgage from one simple app.
Compare live lender rates
Get rate-drop alerts the moment they hit
Apply and upload documents from your phone
Rate locked
4.375%
Rate alert
Your target rate hit
9:41Loan Factory
Good morning,
Alex Rivera
Your locked rate
6.13%30-yr
$2,736/moAPR 6.31%
Your application
Pre-approval
Documents uploaded
Underwriting
Closing
FAQ

Questions, answered

No. Your instant estimate is a soft look based only on the details you enter — it never affects your credit score. A hard credit check happens later, and only after you choose to move forward.
Your rate is waiting

Ready to see what you qualify for?

Get a personalized rate in under a minute — no account, and no impact to your credit score.

Loan Factory — We dare you to compare