Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Saturday, February 15 2025 at 5:00 AM (Pacific Time)

Wells Fargo
Rate 5.875% (APR=5.912%) 6.625% (APR=6.834%)
Points / Credits $800 $7,841
Payment $1,183 $1,281
Saving over 30 years $42,321 $0

(Assumptions: Purchase price: $267,000. Loan amount: $200,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Chase

Rates as of Saturday, February 15 2025 at 5:00 AM (Pacific Time)

Chase
Rate 6.125% (APR=6.188%) 6.875% (APR=6.958%)
Points / Credits $88 $2,853
Payment $2,194 $2,299
Saving over 30 years $40,655 $0

(Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Citibank

Rates as of Saturday, February 15 2025 at 2:00 AM (Pacific Time)

Citibank
Rate 5.875% (APR=5.877%) 6.625% (APR=6.831%)
Points / Credits $38 $1,125
Payment $887 $960
Saving over 30 years $27,367 $0

(Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Bank of America

Rates as of Saturday, February 15 2025 at 5:00 AM (Pacific Time)

Bank of America
Rate 6% (APR=6.002%) 6.875% (APR=7.178%)
Points / Credits $50 $1,726
Payment $1,199 $1,314
Saving over 30 years $43,076 $0

(Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Guaranteed Rate

Rates as of Saturday, February 15 2025 at 5:00 AM (Pacific Time)

Guaranteed Rate
Rate 6.25% (APR=6.272%) 6.49% (APR=6.864%)
Points / Credits $824 $4,165
Payment $2,155 $2,210
Saving over 30 years $23,141 $0

(Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Better.com

Rates as of Saturday, February 15 2025 at 5:00 AM (Pacific Time)

Better.com
Rate 5.875% (APR=5.901%) 6.5% (APR=6.678%)
Points / Credits $440 $3,200
Payment $946 $1,011
Saving over 30 years $26,160 $0

(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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