Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, March 19 2025 at 4:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.875% (APR=5.912%) | 6.75% (APR=6.948%) |
| Points / Credits | $800 | $7,380 |
| Payment | $1,183 | $1,297 |
| Saving over 30 years | $47,620 | $0 |
(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, June 11 2025 at 4:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.309%) | 6.875% (APR=6.968%) |
| Points / Credits | $785 | $2,853 |
| Payment | $2,196 | $2,299 |
| Saving over 30 years | $39,238 | $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 Wednesday, June 11 2025 at 4:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.25% (APR=6.259%) | 6.75% (APR=6.958%) |
| Points / Credits | $144 | $1,125 |
| Payment | $924 | $973 |
| Saving over 30 years | $18,621 | $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 Wednesday, June 11 2025 at 4:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.25% (APR=6.259%) | 6.875% (APR=7.148%) |
| Points / Credits | $192 | $1,726 |
| Payment | $1,231 | $1,314 |
| Saving over 30 years | $31,414 | $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 Wednesday, June 11 2025 at 4:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.283%) | 6.49% (APR=6.822%) |
| Points / Credits | $1,223 | $3,871 |
| Payment | $2,155 | $2,210 |
| Saving over 30 years | $22,448 | $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 Wednesday, June 11 2025 at 4:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.25% (APR=6.259%) | 6.625% (APR=6.803%) |
| Points / Credits | $153 | $3,200 |
| Payment | $985 | $1,024 |
| Saving over 30 years | $17,087 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)