Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, March 18, 2025 - 2:00 PM (Pacific Time)

Rate6% (APR=6.021%)

Points/ Credits$458

Payment$1,199

Save $42,202 over 30 years

Wells Fargo

Rate6.75% (APR=6.948%)

Points/ Credits$7,380

Payment$1,297

Save $0 over 30 years

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, March 26, 2025 - 11:00 AM (Pacific Time)

Rate6.25% (APR=6.318%)

Points/ Credits$1,108

Payment$2,196

Save $17,977 over 30 years

Chase

Rate6.625% (APR=6.72%)

Points/ Credits$2,853

Payment$2,241

Save $0 over 30 years

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, March 26, 2025 - 11:00 AM (Pacific Time)

Rate6.125% (APR=6.137%)

Points/ Credits$188

Payment$911

Save $14,257 over 30 years

Citibank

Rate6.5% (APR=6.692%)

Points/ Credits$1,125

Payment$948

Save $0 over 30 years

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, March 26, 2025 - 11:00 AM (Pacific Time)

Rate6.125% (APR=6.159%)

Points/ Credits$720

Payment$1,215

Save $30,526 over 30 years

Bank of America

Rate6.75% (APR=7.016%)

Points/ Credits$1,726

Payment$1,297

Save $0 over 30 years

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, March 26, 2025 - 11:00 AM (Pacific Time)

Rate6.25% (APR=6.286%)

Points/ Credits$1,328

Payment$2,155

Save $21,517 over 30 years

Guaranteed Rate

Rate6.49% (APR=6.797%)

Points/ Credits$3,045

Payment$2,210

Save $0 over 30 years

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, March 26, 2025 - 11:00 AM (Pacific Time)

Rate6.125% (APR=6.143%)

Points/ Credits$312

Payment$972

Save $12,248 over 30 years

Better.com

Rate6.375% (APR=6.561%)

Points/ Credits$3,200

Payment$998

Save $0 over 30 years

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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