Rate comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, September 25 2024 at 4:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.375% (APR=5.416%) | 5.75% (APR=5.925%) |
| Points / Credits | $919 | $7,000 |
| Payment | $1,120 | $1,167 |
| Saving over 30 years | $23,001 | $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, September 25 2024 at 4:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 5.375% (APR=5.421%) | 5.99% (APR=6.068%) |
| Points / Credits | $1,524 | $2,853 |
| Payment | $1,680 | $1,797 |
| Saving over 30 years | $43,348 | $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, September 25 2024 at 4:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.25% (APR=5.284%) | 5.875% (APR=6.036%) |
| Points / Credits | $563 | $1,125 |
| Payment | $828 | $887 |
| Saving over 30 years | $21,802 | $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, September 25 2024 at 4:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.375% (APR=5.397%) | 6.125% (APR=6.398%) |
| Points / Credits | $500 | $1,726 |
| Payment | $1,120 | $1,215 |
| Saving over 30 years | $35,426 | $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, September 25 2024 at 4:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.5% (APR=5.513%) | 5.825% (APR=6.16%) |
| Points / Credits | $519 | $4,274 |
| Payment | $1,987 | $2,059 |
| Saving over 30 years | $29,675 | $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, September 25 2024 at 4:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.375% (APR=5.375%) | 6% (APR=6.204%) |
| Points / Credits | $0 | $3,200 |
| Payment | $896 | $959 |
| Saving over 30 years | $25,880 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)