Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, July 15, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.301%)
Points/ Credits$1,699
Payment$1,970
Save $45,917 over 30 years
Rate6.75% (APR=6.893%)
Points/ Credits$9,456
Payment$2,076
Save $0 over 30 years

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 Tuesday, July 15, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.341%)
Points/ Credits$1,931
Payment$2,196
Save $27,594 over 30 years
Rate6.75% (APR=6.847%)
Points/ Credits$2,853
Payment$2,270
Save $0 over 30 years

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 Tuesday, July 15, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.146%)
Points/ Credits$330
Payment$911
Save $18,435 over 30 years
Rate6.625% (APR=6.806%)
Points/ Credits$1,125
Payment$960
Save $0 over 30 years

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 Tuesday, July 15, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.146%)
Points/ Credits$440
Payment$1,215
Save $30,806 over 30 years
Rate6.75% (APR=6.944%)
Points/ Credits$1,726
Payment$1,297
Save $0 over 30 years

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 Tuesday, July 15, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate6.375% (APR=6.381%)
Points/ Credits$210
Payment$2,184
Save $10,068 over 30 years
Rate6.45% (APR=6.816%)
Points/ Credits$4,158
Payment$2,201
Save $0 over 30 years

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 Tuesday, July 15, 2025 - 9:50 AM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.146%)
Points/ Credits$352
Payment$972
Save $12,208 over 30 years
Rate6.375% (APR=6.595%)
Points/ Credits$3,200
Payment$998
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock

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