Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, December 13 2024 at 2:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.125% (APR=6.126%) | 6.375% (APR=6.581%) |
| Points / Credits | $29 | $7,877 |
| Payment | $1,215 | $1,248 |
| Saving over 30 years | $19,728 | $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 13 2024 at 2:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.257%) | 6.75% (APR=6.856%) |
| Points / Credits | $210 | $2,853 |
| Payment | $1,847 | $1,946 |
| Saving over 30 years | $38,207 | $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 13 2024 at 2:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.032%) | 6.5% (APR=6.717%) |
| Points / Credits | $513 | $1,125 |
| Payment | $899 | $948 |
| Saving over 30 years | $18,252 | $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 13 2024 at 2:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.125% (APR=6.141%) | 6.75% (APR=7.042%) |
| Points / Credits | $349 | $1,726 |
| Payment | $1,215 | $1,297 |
| Saving over 30 years | $30,897 | $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 13 2024 at 2:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.269%) | 6.5% (APR=6.867%) |
| Points / Credits | $700 | $4,183 |
| Payment | $2,155 | $2,212 |
| Saving over 30 years | $24,003 | $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 13 2024 at 2:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.125% (APR=6.138%) | 6.375% (APR=6.58%) |
| Points / Credits | $221 | $3,200 |
| Payment | $972 | $998 |
| Saving over 30 years | $12,339 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)