Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Tuesday, March 18 2025 at 9:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.875% (APR=5.912%) | 6.75% (APR=6.948%) |
| Points / Credits | $800 | $7,380 |
| Payment | $1,183 | $1,297 |
| Saving over 30 years | $47,620 | $0 |
(Assumptions: Purchase price: $267,000. Loan amount: $200,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Chase
Rates as of Friday, May 09 2025 at 9:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | (APR=) | 6.875% (APR=6.967%) |
| Points / Credits | $2,853 | |
| Payment | $2,299 | |
| Saving over 30 years | $0 | $0 |
(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, May 09 2025 at 9:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.002%) | 6.625% (APR=6.819%) |
| Points / Credits | $38 | $1,125 |
| Payment | $899 | $960 |
| Saving over 30 years | $23,047 | $0 |
(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, May 09 2025 at 9:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.125% (APR=6.145%) | 6.75% (APR=7.04%) |
| Points / Credits | $423 | $1,726 |
| Payment | $1,215 | $1,297 |
| Saving over 30 years | $30,823 | $0 |
(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, May 09 2025 at 9:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.26%) | 6.5% (APR=6.916%) |
| Points / Credits | $363 | $4,043 |
| Payment | $2,155 | $2,212 |
| Saving over 30 years | $24,200 | $0 |
(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, May 09 2025 at 9:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.125% (APR=6.139%) | 6.5% (APR=6.71%) |
| Points / Credits | $240 | $3,200 |
| Payment | $972 | $1,011 |
| Saving over 30 years | $17,000 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)