Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, November 13 2024 at 11:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.25% (APR=6.291%) | 6.5% (APR=6.695%) |
| Points / Credits | $866 | $7,675 |
| Payment | $1,231 | $1,264 |
| Saving over 30 years | $18,689 | $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, November 13 2024 at 11:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.291%) | 6.75% (APR=6.864%) |
| Points / Credits | $1,299 | $2,853 |
| Payment | $1,847 | $1,946 |
| Saving over 30 years | $37,118 | $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 Wednesday, November 13 2024 at 11:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.125% (APR=6.184%) | 6.625% (APR=6.806%) |
| Points / Credits | $938 | $1,125 |
| Payment | $911 | $960 |
| Saving over 30 years | $17,827 | $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, November 13 2024 at 11:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.25% (APR=6.286%) | 6.75% (APR=7.058%) |
| Points / Credits | $750 | $1,726 |
| Payment | $1,231 | $1,297 |
| Saving over 30 years | $24,736 | $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, November 13 2024 at 11:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.375% (APR=6.408%) | 6.55% (APR=6.936%) |
| Points / Credits | $1,218 | $4,242 |
| Payment | $2,184 | $2,224 |
| Saving over 30 years | $17,424 | $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, November 13 2024 at 11:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.25% (APR=6.262%) | 6.625% (APR=6.824%) |
| Points / Credits | $200 | $3,200 |
| Payment | $985 | $1,024 |
| Saving over 30 years | $17,040 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)