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, July 02 2025 at 4:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 5.875% (APR=5.933%) | 6.5% (APR=6.611%) |
| Points / Credits | $867 | $2,853 |
| Payment | $2,111 | $2,212 |
| Saving over 30 years | $38,432 | $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, July 02 2025 at 4:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.875% (APR=5.89%) | 6.375% (APR=6.59%) |
| Points / Credits | $244 | $1,125 |
| Payment | $887 | $936 |
| Saving over 30 years | $18,521 | $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, July 02 2025 at 4:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.875% (APR=5.89%) | 6.625% (APR=6.852%) |
| Points / Credits | $325 | $1,726 |
| Payment | $1,183 | $1,281 |
| Saving over 30 years | $36,681 | $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, July 02 2025 at 4:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.875% (APR=5.91%) | 6.375% (APR=6.686%) |
| Points / Credits | $1,305 | $3,770 |
| Payment | $2,070 | $2,184 |
| Saving over 30 years | $43,505 | $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, July 02 2025 at 4:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.875% (APR=5.89%) | 6.375% (APR=6.55%) |
| Points / Credits | $260 | $3,200 |
| Payment | $946 | $998 |
| Saving over 30 years | $21,660 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)