Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, July 08 2025 at 4:00 AM (Pacific Time)

Wells Fargo
Rate 6.25% (APR=6.259%) 6.75% (APR=6.881%)
Points / Credits $320 $9,529
Payment $1,970 $2,076
Saving over 30 years $47,369 $0

(Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Chase

Rates as of Tuesday, July 08 2025 at 4:00 AM (Pacific Time)

Chase
Rate 6.25% (APR=6.299%) 6.75% (APR=6.834%)
Points / Credits $410 $2,853
Payment $2,196 $2,270
Saving over 30 years $29,115 $0

(Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Citibank

Rates as of Tuesday, July 08 2025 at 4:00 AM (Pacific Time)

Citibank
Rate 6% (APR=6.023%) 6.5% (APR=6.704%)
Points / Credits $375 $1,125
Payment $899 $948
Saving over 30 years $18,390 $0

(Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Bank of America

Rates as of Tuesday, July 08 2025 at 4:00 AM (Pacific Time)

Bank of America
Rate 6% (APR=6.034%) 6.625% (APR=6.861%)
Points / Credits $717 $1,726
Payment $1,199 $1,281
Saving over 30 years $30,529 $0

(Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Guaranteed Rate

Rates as of Tuesday, July 08 2025 at 4:00 AM (Pacific Time)

Guaranteed Rate
Rate 6.25% (APR=6.261%) 6.425% (APR=6.815%)
Points / Credits $410 $4,326
Payment $2,155 $2,195
Saving over 30 years $18,316 $0

(Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Better.com

Rates as of Tuesday, July 08 2025 at 4:00 AM (Pacific Time)

Better.com
Rate 6% (APR=6.034%) 6.5% (APR=6.671%)
Points / Credits $574 $3,200
Payment $959 $1,011
Saving over 30 years $21,346 $0

(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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