Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, October 03 2025 at 11:01 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | (APR=) | 6.25% (APR=6.413%) |
| Points / Credits | $10,834 | |
| Payment | $1,970 | |
| Saving over 30 years | $0 | $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 Friday, October 03 2025 at 2:02 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | (APR=) | 6% (APR=6.111%) |
| Points / Credits | $2,853 | |
| Payment | $2,098 | |
| Saving over 30 years | $0 | $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, August 22 2025 at 5:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.785%) | 6.375% (APR=6.566%) |
| Points / Credits | $563 | $1,125 |
| Payment | $875 | $936 |
| Saving over 30 years | $22,522 | $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, October 03 2025 at 2:03 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | (APR=) | 6.25% (APR=6.441%) |
| Points / Credits | $1,726 | |
| Payment | $1,231 | |
| Saving over 30 years | $0 | $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, October 03 2025 at 2:03 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.75% (APR=5.766%) | 5.9% (APR=6.276%) |
| Points / Credits | $592 | $3,969 |
| Payment | $2,043 | $2,076 |
| Saving over 30 years | $15,257 | $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, October 03 2025 at 2:04 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | (APR=) | 5.875% (APR=6.074%) |
| Points / Credits | $3,200 | |
| Payment | $946 | |
| Saving over 30 years | $0 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)