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Real-Time Rate Comparisons: Us vs. The Big Banks

Transparency isn’t just a buzzword—it’s how we do business. As an independent mortgage broker, Doos Mortgage accesses wholesale rates that big retail banks simply can’t match.

We believe you deserve to see the data for yourself. Below, we track our daily rates against major national lenders for the exact same loan scenarios. No gimmicks, no teaser rates—just the raw numbers showing you how much you could save over the life of your loan by choosing a local wholesale expert.

Mortgage Rate Comparisons

Doos Mortgage vs. Wells Fargo

Rates as of Friday, March 13, 2026 - 1:50 PM (Pacific Time)

Doos Mortgage

Rate 5.875%
(APR=5.885%)
Points/ Credits $358
Payment $1,893
Save $37,326 over 30 years

Wells Fargo

Rate 6.25%
(APR=6.403%)
Points/ Credits $9,964
Payment $1,970
Save $0 over 30 years

Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Doos Mortgage vs. Chase

Rates as of Friday, March 13, 2026 - 1:50 PM (Pacific Time)

Doos Mortgage

Rate 5.875%
(APR=5.933%)
Points/ Credits $876
Payment $2,111
Save $28,091 over 30 years

Chase

Rate 6.375%
(APR=6.473%)
Points/ Credits $2,853
Payment $2,184
Save $0 over 30 years

Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Doos Mortgage vs. Citibank

Rates as of Friday, August 22, 2025 - 2:00 PM (Pacific Time)

Doos Mortgage

Rate 5.75%
(APR=5.785%)
Points/ Credits $563
Payment $875
Save $22,522 over 30 years

Citibank

Rate 6.375%
(APR=6.566%)
Points/ Credits $1,125
Payment $936
Save $0 over 30 years

Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Doos Mortgage vs. Bank of America

Rates as of Friday, March 13, 2026 - 1:50 PM (Pacific Time)

Doos Mortgage

Rate 5.75%
(APR=5.785%)
Points/ Credits $750
Payment $1,167
Save $30,136 over 30 years

Bank of America

Rate 6.375%
(APR=6.591%)
Points/ Credits $1,726
Payment $1,248
Save $0 over 30 years

Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Doos Mortgage vs. Guaranteed Rate

Rates as of Friday, March 13, 2026 - 1:50 PM (Pacific Time)

Doos Mortgage

Rate 5.875%
(APR=5.897%)
Points/ Credits $830
Payment $2,070
Save $21,730 over 30 years

Guaranteed Rate

Rate 6.1%
(APR=6.516%)
Points/ Credits $4,200
Payment $2,121
Save $0 over 30 years

Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Doos Mortgage vs. Better.com

Rates as of Friday, March 13, 2026 - 1:50 PM (Pacific Time)

Doos Mortgage

Rate 5.75%
(APR=5.762%)
Points/ Credits $200
Payment $934
Save $16,680 over 30 years

Better.com

Rate 6.125%
(APR=6.31%)
Points/ Credits $3,200
Payment $972
Save $0 over 30 years

Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock

Ready to Lock Your Low Rate?

Rates change daily. If you like what you see above, let’s get you pre-approved and locked in before the market shifts.

Today's Mortgage Rates

Last updated: March 15, 2026 at 2:06 AM

Loan TermInterest RateAPR
🏠 30-Yr Fixed Purchase
5.750% 5.785% Get Quote
🔄 30-Yr Fixed Refinance
6.000% 6.016% Get Quote
🏛️ 30-Yr Fixed FHA Purchase
5.500% 6.044% Get Quote
🎖️ 30-Yr Fixed VA Purchase
5.625% 5.743% Get Quote
15-Yr Fixed Purchase
5.375% 5.375% Get Quote
🔄 15-Yr Fixed Refinance
5.625% 5.652% Get Quote
📊 10/6 ARM Purchase
7.625% 7.635% Get Quote
📊 7/6 ARM Purchase
7.000% 7.012% Get Quote
🏠 30-Yr Fixed Purchase
Interest Rate 5.750%
APR 5.785%
Get A Quote →
🔄 30-Yr Fixed Refinance
Interest Rate 6.000%
APR 6.016%
Get A Quote →
🏛️ 30-Yr Fixed FHA Purchase
Interest Rate 5.500%
APR 6.044%
Get A Quote →
🎖️ 30-Yr Fixed VA Purchase
Interest Rate 5.625%
APR 5.743%
Get A Quote →
15-Yr Fixed Purchase
Interest Rate 5.375%
APR 5.375%
Get A Quote →
🔄 15-Yr Fixed Refinance
Interest Rate 5.625%
APR 5.652%
Get A Quote →
📊 10/6 ARM Purchase
Interest Rate 7.625%
APR 7.635%
Get A Quote →
📊 7/6 ARM Purchase
Interest Rate 7.000%
APR 7.012%
Get A Quote →

Rate Assumptions

Loan amount $400,000 · Home value $670,000 · Credit score 759+ · Single · Owner-Occupied · ZIP 95122

Rates are subject to change without notice. Actual rates may vary based on credit score, loan amount, and other factors. Contact us for a personalized quote.