Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, December 25 2024 at 2:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.5% (APR=6.501%) | 6.75% (APR=6.949%) |
| Points / Credits | $24 | $7,257 |
| Payment | $1,264 | $1,297 |
| Saving over 30 years | $19,113 | $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 25 2024 at 2:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.375% (APR=6.421%) | 7% (APR=7.102%) |
| Points / Credits | $1,449 | $2,853 |
| Payment | $1,872 | $1,996 |
| Saving over 30 years | $46,012 | $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 25 2024 at 2:01 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.375% (APR=6.385%) | 6.875% (APR=7.059%) |
| Points / Credits | $164 | $1,125 |
| Payment | $936 | $985 |
| Saving over 30 years | $18,601 | $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 25 2024 at 2:01 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.5% (APR=6.508%) | 7% (APR=7.302%) |
| Points / Credits | $174 | $1,726 |
| Payment | $1,264 | $1,331 |
| Saving over 30 years | $25,672 | $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 25 2024 at 2:01 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.625% (APR=6.629%) | 6.825% (APR=7.169%) |
| Points / Credits | $140 | $4,039 |
| Payment | $2,241 | $2,288 |
| Saving over 30 years | $20,819 | $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 25 2024 at 2:01 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.375% (APR=6.411%) | 6.625% (APR=6.805%) |
| Points / Credits | $600 | $3,200 |
| Payment | $998 | $1,024 |
| Saving over 30 years | $11,960 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)