Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Thursday, December 12 2024 at 2:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.125% (APR=6.127%) | 6.375% (APR=6.556%) |
| Points / Credits | $48 | $7,412 |
| Payment | $1,215 | $1,248 |
| Saving over 30 years | $19,244 | $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 Thursday, December 12 2024 at 2:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.253%) | 6.5% (APR=6.6%) |
| Points / Credits | $111 | $2,853 |
| Payment | $1,847 | $1,896 |
| Saving over 30 years | $20,454 | $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 Thursday, December 12 2024 at 2:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.875% (APR=5.93%) | 6.375% (APR=6.59%) |
| Points / Credits | $888 | $1,125 |
| Payment | $887 | $936 |
| Saving over 30 years | $17,877 | $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 Thursday, December 12 2024 at 2:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.125% (APR=6.127%) | 6.75% (APR=7.031%) |
| Points / Credits | $48 | $1,726 |
| Payment | $1,215 | $1,297 |
| Saving over 30 years | $31,198 | $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 Thursday, December 12 2024 at 2:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.271%) | 6.425% (APR=6.784%) |
| Points / Credits | $763 | $4,043 |
| Payment | $2,155 | $2,195 |
| Saving over 30 years | $17,680 | $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 Thursday, December 12 2024 at 2:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6.031%) | 6.25% (APR=6.47%) |
| Points / Credits | $538 | $3,200 |
| Payment | $959 | $985 |
| Saving over 30 years | $12,022 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)