Mortgage Rate Comparison
Which company saves you the most money?
Big Banks vs Retiro Financial
Date of comparison: 27 November 2025
Retiro Financial has lower rates and costs than the Big Banks. This chart compares the published rate and points (which includes all lender fees used to calculate the indicated APR) for Retiro Financial the nation’s largest banks. As you can see, Retiro has lower rates and lower lender fees for the indicated rates.
Conforming
30-yr Fixed-Rate
Loan Amount: $350,000
LTV Ratio: 80%
| Lender | Rate | APR | Points | Points Amt |
|---|---|---|---|---|
| Well Fargo Mortgage | 6.250% | 6.38% | 1.410 | $4,935 |
| Chase Mortgage | 5.990% | 6.07% | 0.810 | $2,975 |
| Bank of America | 6.250% | 6.90% | 1.320 | $4,620 |
| Retiro Financial | 5.875% | 5.97% | 1.000 | $3,500 |
| Retiro Financial | 6.125% | 6.118% | -0.303 | -$1,060 |
Click to See Notes on Comparison
This information is derived from the published rates and pricing on the Lender websites on the date indicated. You can sort the data by Rate, APR, Points (includes both origination and discount points), and the Points dollar amount by clicking the heading of the column you wish to sort. We used the identical loan amount and LTV ratio for each scenario to provide an apples to apples comparison. Some of the Lenders do not publish rates for non-conforming (jumbo) and VA loans. This is why those Lenders are omitted in some sections. APR (Annual Percentage Rate) is required by federal law to be provided. It provides a fairly accurate method of determining the effective interest rate taking into consideration of both the rate and points paid over the entire term of the loan. A lowest APR would provide the least amount of total interest and finance charges if you paid the loan over the full term.