Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, August 01 2025 at 11:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.25% (APR=6.269%) | 6.625% (APR=6.768%) |
| Points / Credits | $637 | $8,449 |
| Payment | $1,970 | $2,049 |
| Saving over 30 years | $36,252 | $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 Friday, August 01 2025 at 11:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.299%) | 6.5% (APR=6.614%) |
| Points / Credits | $697 | $2,853 |
| Payment | $2,187 | $2,212 |
| Saving over 30 years | $11,242 | $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 Friday, August 01 2025 at 11:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.016%) | 6.5% (APR=6.68%) |
| Points / Credits | $258 | $1,125 |
| Payment | $899 | $948 |
| Saving over 30 years | $18,507 | $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 Friday, August 01 2025 at 11:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6% (APR=6.016%) | 6.625% (APR=6.846%) |
| Points / Credits | $344 | $1,726 |
| Payment | $1,199 | $1,281 |
| Saving over 30 years | $30,902 | $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 Friday, August 01 2025 at 11:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.125% (APR=6.129%) | 6.375% (APR=6.715%) |
| Points / Credits | $156 | $3,483 |
| Payment | $2,127 | $2,184 |
| Saving over 30 years | $23,847 | $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 Friday, August 01 2025 at 11:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6.016%) | 6.375% (APR=6.552%) |
| Points / Credits | $275 | $3,200 |
| Payment | $959 | $998 |
| Saving over 30 years | $16,965 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)