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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 Thursday, May 15, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.302%)
Points/ Credits$525
Payment$2,196
Save $39,498 over 30 years

Chase

Rate6.875% (APR=6.974%)
Points/ Credits$2,853
Payment$2,299
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 Thursday, May 15, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.002%)
Points/ Credits$38
Payment$899
Save $23,047 over 30 years

Citibank

Rate6.625% (APR=6.831%)
Points/ Credits$1,125
Payment$960
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 Thursday, May 15, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.252%)
Points/ Credits$50
Payment$1,231
Save $31,556 over 30 years

Bank of America

Rate6.875% (APR=7.167%)
Points/ Credits$1,726
Payment$1,314
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 Thursday, May 15, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.375% (APR=6.38%)
Points/ Credits$175
Payment$2,184
Save $22,326 over 30 years

Guaranteed Rate

Rate6.6% (APR=6.928%)
Points/ Credits$4,141
Payment$2,235
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 Thursday, May 15, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.139%)
Points/ Credits$240
Payment$972
Save $21,680 over 30 years

Better.com

Rate6.625% (APR=6.808%)
Points/ Credits$3,200
Payment$1,024
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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