Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, September 03 2025 at 2:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 5.875% (APR=5.912%) | 6.5% (APR=6.641%) |
| Points / Credits | $1,270 | $9,986 |
| Payment | $1,893 | $2,023 |
| Saving over 30 years | $55,516 | $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, September 03 2025 at 2:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 5.875% (APR=5.97%) | 6.375% (APR=6.479%) |
| Points / Credits | $2,261 | $2,853 |
| Payment | $2,111 | $2,184 |
| Saving over 30 years | $26,706 | $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 2:00 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 Wednesday, September 03 2025 at 2:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.75% (APR=5.759%) | 6.375% (APR=6.606%) |
| Points / Credits | $188 | $1,726 |
| Payment | $1,167 | $1,248 |
| Saving over 30 years | $30,698 | $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, September 03 2025 at 2:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 5.875% (APR=5.924%) | 6.1% (APR=6.437%) |
| Points / Credits | $1,827 | $4,155 |
| Payment | $2,070 | $2,121 |
| Saving over 30 years | $20,688 | $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, September 03 2025 at 2:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.759%) | 6.125% (APR=6.306%) |
| Points / Credits | $150 | $3,200 |
| Payment | $934 | $972 |
| Saving over 30 years | $16,730 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)