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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, March 18, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.912%)
Points/ Credits$800
Payment$1,183
Save $47,620 over 30 years

Wells Fargo

Rate6.75% (APR=6.948%)
Points/ Credits$7,380
Payment$1,297
Save $0 over 30 years

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 Wednesday, July 02, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.919%)
Points/ Credits$337
Payment$2,111
Save $49,348 over 30 years

Chase

Rate6.625% (APR=6.723%)
Points/ Credits$2,853
Payment$2,241
Save $0 over 30 years

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 Wednesday, July 02, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.896%)
Points/ Credits$332
Payment$887
Save $22,753 over 30 years

Citibank

Rate6.5% (APR=6.68%)
Points/ Credits$1,125
Payment$948
Save $0 over 30 years

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 Wednesday, July 02, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.896%)
Points/ Credits$443
Payment$1,183
Save $36,563 over 30 years

Bank of America

Rate6.625% (APR=6.857%)
Points/ Credits$1,726
Payment$1,281
Save $0 over 30 years

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 Wednesday, July 02, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.896%)
Points/ Credits$775
Payment$2,070
Save $44,598 over 30 years

Guaranteed Rate

Rate6.375% (APR=6.73%)
Points/ Credits$4,333
Payment$2,184
Save $0 over 30 years

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 Wednesday, July 02, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate5.875% (APR=5.896%)
Points/ Credits$354
Payment$946
Save $21,566 over 30 years

Better.com

Rate6.375% (APR=6.558%)
Points/ Credits$3,200
Payment$998
Save $0 over 30 years

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

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