Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Tuesday, July 29 2025 at 4:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.25% (APR=6.272%) | 6.75% (APR=6.906%) |
| Points / Credits | $742 | $9,086 |
| Payment | $1,970 | $2,076 |
| Saving over 30 years | $46,504 | $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 Tuesday, July 29 2025 at 4:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.306%) | 6.75% (APR=6.838%) |
| Points / Credits | $966 | $2,853 |
| Payment | $2,187 | $2,270 |
| Saving over 30 years | $31,799 | $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 Tuesday, July 29 2025 at 4:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.03%) | 6.625% (APR=6.806%) |
| Points / Credits | $485 | $1,125 |
| Payment | $899 | $960 |
| Saving over 30 years | $22,600 | $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 Tuesday, July 29 2025 at 4:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6% (APR=6.03%) | 6.75% (APR=6.953%) |
| Points / Credits | $646 | $1,726 |
| Payment | $1,199 | $1,297 |
| Saving over 30 years | $36,360 | $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 Tuesday, July 29 2025 at 4:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.125% (APR=6.153%) | 6.475% (APR=6.862%) |
| Points / Credits | $1,058 | $4,116 |
| Payment | $2,127 | $2,206 |
| Saving over 30 years | $31,498 | $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 Tuesday, July 29 2025 at 4:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6.03%) | 6.5% (APR=6.681%) |
| Points / Credits | $517 | $3,200 |
| Payment | $959 | $1,011 |
| Saving over 30 years | $21,403 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)