Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, December 20 2024 at 5:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.25% (APR=6.28%) | 6.625% (APR=6.822%) |
| Points / Credits | $631 | $7,397 |
| Payment | $1,231 | $1,281 |
| Saving over 30 years | $24,766 | $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 20 2024 at 5:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.375% (APR=6.396%) | 6.875% (APR=6.962%) |
| Points / Credits | $660 | $2,853 |
| Payment | $1,872 | $1,971 |
| Saving over 30 years | $37,757 | $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 20 2024 at 5:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.25% (APR=6.262%) | 6.625% (APR=6.819%) |
| Points / Credits | $188 | $1,125 |
| Payment | $924 | $960 |
| Saving over 30 years | $13,897 | $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 20 2024 at 5:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.25% (APR=6.287%) | 6.875% (APR=7.163%) |
| Points / Credits | $781 | $1,726 |
| Payment | $1,231 | $1,314 |
| Saving over 30 years | $30,825 | $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 20 2024 at 5:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.5% (APR=6.508%) | 6.6% (APR=6.962%) |
| Points / Credits | $284 | $4,263 |
| Payment | $2,212 | $2,235 |
| Saving over 30 years | $12,259 | $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 20 2024 at 5:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.25% (APR=6.28%) | 6.5% (APR=6.703%) |
| Points / Credits | $498 | $3,200 |
| Payment | $985 | $1,011 |
| Saving over 30 years | $12,062 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)