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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, March 18, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.021%)
Points/ Credits$458
Payment$1,199
Save $42,202 over 30 years

Wells Fargo

Rate6.75% (APR=6.948%)
Points/ Credits$7,380
Payment$1,297
Save $0 over 30 years

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 Thursday, June 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.336%)
Points/ Credits$1,770
Payment$2,196
Save $38,253 over 30 years

Chase

Rate6.875% (APR=6.955%)
Points/ Credits$2,853
Payment$2,299
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 Thursday, June 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.128%)
Points/ Credits$40
Payment$911
Save $18,725 over 30 years

Citibank

Rate6.625% (APR=6.819%)
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 Thursday, June 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.127%)
Points/ Credits$53
Payment$1,215
Save $31,193 over 30 years

Bank of America

Rate6.75% (APR=7.035%)
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 Thursday, June 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.293%)
Points/ Credits$1,600
Payment$2,155
Save $25,168 over 30 years

Guaranteed Rate

Rate6.525% (APR=6.926%)
Points/ Credits$4,088
Payment$2,218
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 Thursday, June 19, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.128%)
Points/ Credits$42
Payment$972
Save $17,198 over 30 years

Better.com

Rate6.5% (APR=6.695%)
Points/ Credits$3,200
Payment$1,011
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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