Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Tuesday, March 18 2025 at 2:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.021%) | 6.75% (APR=6.948%) |
| Points / Credits | $458 | $7,380 |
| Payment | $1,199 | $1,297 |
| Saving over 30 years | $42,202 | $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, April 04 2025 at 11:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 5.875% (APR=5.933%) | 6.375% (APR=6.476%) |
| Points / Credits | $888 | $2,853 |
| Payment | $2,111 | $2,184 |
| Saving over 30 years | $28,079 | $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, April 04 2025 at 11:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.762%) | 6.125% (APR=6.301%) |
| Points / Credits | $188 | $1,125 |
| Payment | $875 | $911 |
| 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, April 04 2025 at 11:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.75% (APR=5.792%) | 6.375% (APR=6.652%) |
| Points / Credits | $900 | $1,726 |
| Payment | $1,167 | $1,248 |
| Saving over 30 years | $29,986 | $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, April 04 2025 at 11:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.875% (APR=5.899%) | 5.99% (APR=6.284%) |
| Points / Credits | $888 | $4,162 |
| Payment | $2,070 | $2,096 |
| Saving over 30 years | $12,634 | $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, April 04 2025 at 11:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.782%) | 6.125% (APR=6.3%) |
| Points / Credits | $560 | $3,200 |
| Payment | $934 | $972 |
| Saving over 30 years | $16,320 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)