Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Saturday, July 12 2025 at 4:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.008%) | 6.75% (APR=6.893%) |
| Points / Credits | $261 | $9,693 |
| Payment | $1,919 | $2,076 |
| Saving over 30 years | $65,952 | $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 Saturday, July 12 2025 at 4:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6% (APR=6.044%) | 6.75% (APR=6.844%) |
| Points / Credits | $285 | $2,853 |
| Payment | $2,139 | $2,270 |
| Saving over 30 years | $49,760 | $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 Saturday, July 12 2025 at 4:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.011%) | 6.5% (APR=6.717%) |
| Points / Credits | $183 | $1,125 |
| Payment | $899 | $948 |
| Saving over 30 years | $18,582 | $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 Saturday, July 12 2025 at 4:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6% (APR=6.011%) | 6.75% (APR=6.943%) |
| Points / Credits | $244 | $1,726 |
| Payment | $1,199 | $1,297 |
| Saving over 30 years | $36,762 | $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 Saturday, July 12 2025 at 4:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6% (APR=6.019%) | 6.45% (APR=6.836%) |
| Points / Credits | $723 | $4,368 |
| Payment | $2,098 | $2,201 |
| Saving over 30 years | $40,725 | $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 Saturday, July 12 2025 at 4:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6.011%) | 6.375% (APR=6.594%) |
| Points / Credits | $195 | $3,200 |
| Payment | $959 | $998 |
| Saving over 30 years | $17,045 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)