The AI mortgage company built to beat any offer

Smarter mortgages start with more choices. AI-powered technology connects you to 240 lenders and 2,500+ loan officers to help you find the right mortgage.

5.0 21,241+ Google reviews
Today's rate
5.875%
30-year fixed · Rate
vs. market avg. 6.550%−67 bps lower
APR
5.962%
Monthly payment
$2,839
Closing costs
$4,080
See my rate
Your rate in 60 secondsNo hit to your creditNo login required
Best price guarantee

We dare you to compare

Shop around with confidence. If another lender gives you a better written offer for the same loan and we can’t beat it, the $2,000 is yours.

Terms and conditions

Comparison: another lender's written offer has a higher price; Loan Factory's written offer has a lower price, marked best price.

Loans Closed
51,108+
Loans Closed
Funded Volume
$21B+
Funded Volume
Branch Locations
21+
Branch Locations
Licensed States
48+
Licensed States

One application, 240+ lenders compete for you

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

Loved by 21,840+ homeowners

5.0 · Rated by 21,840+ homeowners on Google.
CiCi Le
I would give Lucy and Kimberly 6 stars if I could, because 5 stars simply aren’t enough to describe how amazing they are ⭐⭐⭐⭐⭐⭐ A huge thank you to Lucy and my agent, Kimberly, for their incredible support throughout my home-buying journey! Both of them were absolutely wonderful. They were patient, knowledgeable, dedicated, and genuinely caring. They guided me through every step, answered all my questions, and went above and beyond to make sure everything went smoothly. Buying a home can be stressful, but having Lucy and Kimberly by my side made the entire experience so much easier and more enjoyable. I’m truly grateful for their hard work, time, and dedication in helping me make my dream of owning a home come true. If you’re planning to buy a home, I highly recommend Lucy and Kimberly. You will be in the best hands! Thank you both from the bottom of my heart. You deserve more than 5 stars!
Michelle Mendez
If you are in need of a realtor Roberto Soto is the one for you. 10/10 experience! Roberto made our first home purchase come true he was always available to answer any questions and help out with anything. He made our closing process easy as could be, we couldn’t have asked for a better realtor than Roberto. Loan Factory is the way to go!
Nguyet Dao
Thank you, Amilia and Evelyn, for helping my sister throughout the process! This is not first time working with Amilia, everything went smoothly. We truly appreciate your support, and excellent service.
mike campbell
Ended up with an awesome deal, Susan and the team walked us through the whole process and made us feel cared for.
Myesha Randolph
Greatttt working with the team and process simple
Xue Qing Han
Mark was great to work with! He was professional, helpful, and responsive throughout the entire process. He made everything smooth and easy. Highly recommend him!

Why you pay less with us

Loan Factory is an AI-native mortgage technology company. Our platform shops 240+ lenders for you in seconds, keeps our fee small, and still gives you one person to call from the first question to closing day.

House keys on a table

We compare 240 lenders

You fill out one application. We send it to many lenders and show you the best price we find. More lenders means a better chance at a lower rate.

Calculator and paperwork

We take a smaller fee

Our fee is lower than most banks, so more of your money stays with you. If another lender gives you a better written offer and we cannot beat it, we pay you $2,000.

Loan officer smiling

One loan officer helps you

The same licensed loan officer handles your loan from start to finish. Call or text them any time. You will never be passed to a call center.

Person using a phone and laptop

AI tracks your loan for you

Our AI monitors your file and moves your status forward the moment underwriting clears a step — see it live from your phone or computer. Prefer paper or a phone call? Just ask.

Loan options

Buy a home

One application, matched to the loan program that fits how you’re buying.

Explore programs

Refinance

Lower your rate, shorten your term, or turn your equity into cash — whichever fits your plan.

Explore programs

From application to closing, in four steps

  1. 1
    Apply

    One form. Multiple lenders.

    Tell us about your loan once. Our AI pricing engine handles the rest, instantly, no phone tag.

    Live preview
    Let's get acquainted!

    We'd love to know who's on the other side of the screen

    What is the property's ZIP code?
    Enter the property's ZIP code
    What is the purchase price of the property?
    Your answer
    Will this be your primary home or an investment property?
    PrimaryInvestment
    Apply now
  2. 2
    Compare

    See every rate, side by side.

    Compare live pricing across 240+ lenders in one view, AI-ranked by fit — no spreadsheets, no guesswork.

    Live preview
    Here's what's out there

    Live pricing across our lender network

    RocketBest rate6.125%
    Mega Capital6.250%
    Provident6.375%
  3. 3
    Lock

    Lock in your rate.

    Found the one? Lock your rate with the lender you picked, so market swings can’t touch it while your loan moves to closing.

    Live preview
    Lock your rate

    Protect today’s price while your loan closes

    Rocket
    30-year fixed
    6.125%
    Lock period
    30 days45 days60 days
    Rate locked with Rocket for 30 days
  4. 4
    Approved

    Get to closing, faster.

    Submit with confidence. Our AI reviews your file and advances your status automatically, so you track real progress to closing day.

    Live preview
    You're almost there

    Track every step until closing day

    ✓Application submitted
    ✓Documents verified
    ✓Underwriting
    Clear to close

Set up a rate alert

Stop checking rates every day. Tell us your email and we’ll let you know the moment rates hit your target.

Common questions

What does Loan Factory do?

We shop 240 lenders for your loan. One loan officer helps you the whole way.

How much does Loan Factory cost?

Nothing up front. We keep our fee low so your rate is lower.

Will checking rates affect my credit?

No. We only check your credit when you decide to apply, and we ask first.

How long does it take to close?

About 15 days. Most lenders take 30 to 45.

How does the Best Price Guarantee work?

Find a better offer on the same loan and we pay you $2,000. Terms apply.

Ready to move your mortgage forward?

Download the Loan Factory app and take the next step toward your new home.