Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, December 18 2024 at 11:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.125% (APR=6.153%) | 6.5% (APR=6.695%) |
| Points / Credits | $590 | $7,390 |
| Payment | $1,215 | $1,264 |
| Saving over 30 years | $24,440 | $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, December 18 2024 at 11:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.263%) | 6.75% (APR=6.856%) |
| Points / Credits | $410 | $2,853 |
| Payment | $1,847 | $1,946 |
| Saving over 30 years | $38,007 | $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, December 18 2024 at 11:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.125% (APR=6.15%) | 6.5% (APR=6.717%) |
| Points / Credits | $398 | $1,125 |
| Payment | $911 | $948 |
| Saving over 30 years | $14,047 | $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, December 18 2024 at 11:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.125% (APR=6.163%) | 6.875% (APR=7.166%) |
| Points / Credits | $812 | $1,726 |
| Payment | $1,215 | $1,314 |
| Saving over 30 years | $36,554 | $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, December 18 2024 at 11:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.375% (APR=6.378%) | 6.49% (APR=6.851%) |
| Points / Credits | $99 | $4,015 |
| Payment | $2,184 | $2,210 |
| Saving over 30 years | $13,276 | $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, December 18 2024 at 11:01 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.125% (APR=6.157%) | 6.375% (APR=6.582%) |
| Points / Credits | $541 | $3,200 |
| Payment | $972 | $998 |
| Saving over 30 years | $12,019 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)