Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Thursday, August 07 2025 at 9:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.005%) | 6.5% (APR=6.653%) |
| Points / Credits | $163 | $10,272 |
| Payment | $1,919 | $2,023 |
| Saving over 30 years | $47,549 | $0 |
(Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Chase
Rates as of Thursday, August 07 2025 at 9:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6% (APR=6.085%) | 6.375% (APR=6.475%) |
| Points / Credits | $1,813 | $2,853 |
| Payment | $2,139 | $2,184 |
| Saving over 30 years | $17,074 | $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 Thursday, August 07 2025 at 9:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.803%) | 6.375% (APR=6.566%) |
| Points / Credits | $861 | $1,125 |
| Payment | $875 | $936 |
| Saving over 30 years | $22,224 | $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 Thursday, August 07 2025 at 9:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.75% (APR=5.803%) | 6.375% (APR=6.61%) |
| Points / Credits | $1,149 | $1,726 |
| Payment | $1,167 | $1,248 |
| Saving over 30 years | $29,737 | $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 Thursday, August 07 2025 at 9:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6% (APR=6.016%) | 6.25% (APR=6.674%) |
| Points / Credits | $602 | $4,256 |
| Payment | $2,098 | $2,155 |
| Saving over 30 years | $24,174 | $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 Thursday, August 07 2025 at 9:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.803%) | 6.25% (APR=6.459%) |
| Points / Credits | $919 | $3,200 |
| Payment | $934 | $985 |
| Saving over 30 years | $20,641 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)