Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, March 07 2025 at 3:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.045%) | 6.75% (APR=6.948%) |
| Points / Credits | $964 | $7,380 |
| Payment | $1,199 | $1,297 |
| Saving over 30 years | $41,696 | $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, March 07 2025 at 3:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.297%) | 6.625% (APR=6.718%) |
| Points / Credits | $319 | $2,853 |
| Payment | $2,196 | $2,241 |
| Saving over 30 years | $18,766 | $0 |
(Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Citibank
Rates as of Friday, March 07 2025 at 3:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.875% (APR=5.898%) | 6.5% (APR=6.68%) |
| Points / Credits | $375 | $1,125 |
| Payment | $887 | $948 |
| Saving over 30 years | $22,710 | $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, March 07 2025 at 3:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6% (APR=6.023%) | 6.5% (APR=6.793%) |
| Points / Credits | $500 | $1,726 |
| Payment | $1,199 | $1,264 |
| Saving over 30 years | $24,626 | $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, March 07 2025 at 3:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.125% (APR=6.136%) | 6.375% (APR=6.647%) |
| Points / Credits | $406 | $3,749 |
| Payment | $2,127 | $2,184 |
| Saving over 30 years | $23,863 | $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, March 07 2025 at 3:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6%) | 6.25% (APR=6.457%) |
| Points / Credits | $0 | $3,200 |
| Payment | $959 | $985 |
| Saving over 30 years | $12,560 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)