Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, July 09 2025 at 5:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.125% (APR=6.155%) | 6.75% (APR=6.893%) |
| Points / Credits | $1,030 | $9,752 |
| Payment | $1,944 | $2,076 |
| Saving over 30 years | $56,242 | $0 |
(Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Chase
Rates as of Wednesday, July 09 2025 at 5:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.3%) | 6.75% (APR=6.84%) |
| Points / Credits | $439 | $2,853 |
| Payment | $2,196 | $2,270 |
| Saving over 30 years | $29,086 | $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 Wednesday, July 09 2025 at 5:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.005%) | 6.5% (APR=6.717%) |
| Points / Credits | $83 | $1,125 |
| Payment | $899 | $948 |
| Saving over 30 years | $18,682 | $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, July 09 2025 at 5:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6% (APR=6.005%) | 6.625% (APR=6.869%) |
| Points / Credits | $110 | $1,726 |
| Payment | $1,199 | $1,281 |
| Saving over 30 years | $31,136 | $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, July 09 2025 at 5:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.261%) | 6.375% (APR=6.774%) |
| Points / Credits | $420 | $4,347 |
| Payment | $2,155 | $2,184 |
| Saving over 30 years | $14,367 | $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, July 09 2025 at 5:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6.005%) | 6.375% (APR=6.562%) |
| Points / Credits | $88 | $3,200 |
| Payment | $959 | $998 |
| Saving over 30 years | $17,152 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)