Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, December 27 2024 at 4:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.375% (APR=6.398%) | 6.75% (APR=6.936%) |
| Points / Credits | $479 | $6,896 |
| Payment | $1,248 | $1,297 |
| Saving over 30 years | $24,057 | $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 Friday, December 27 2024 at 1:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.375% (APR=6.416%) | 6.99% (APR=7.08%) |
| Points / Credits | $1,299 | $2,853 |
| Payment | $1,872 | $1,994 |
| Saving over 30 years | $45,434 | $0 |
(Assumptions: Purchase price: $375,000. Loan amount: $300,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Citibank
Rates as of Friday, December 27 2024 at 4:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.25% (APR=6.286%) | 6.75% (APR=6.97%) |
| Points / Credits | $563 | $1,125 |
| Payment | $924 | $973 |
| Saving over 30 years | $18,202 | $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, December 27 2024 at 4:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.375% (APR=6.409%) | 7% (APR=7.289%) |
| Points / Credits | $716 | $1,726 |
| Payment | $1,248 | $1,331 |
| Saving over 30 years | $30,890 | $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, December 27 2024 at 4:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.5% (APR=6.539%) | 6.75% (APR=7.1%) |
| Points / Credits | $1,432 | $4,008 |
| Payment | $2,212 | $2,270 |
| Saving over 30 years | $23,456 | $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, December 27 2024 at 4:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.375% (APR=6.399%) | 6.5% (APR=6.708%) |
| Points / Credits | $400 | $3,200 |
| Payment | $998 | $1,011 |
| Saving over 30 years | $7,480 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)