Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Tuesday, March 18 2025 at 4:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.021%) | 6.75% (APR=6.948%) |
| Points / Credits | $458 | $7,380 |
| Payment | $1,199 | $1,297 |
| Saving over 30 years | $42,202 | $0 |
(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 Wednesday, June 25 2025 at 11:50 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.297%) | 6.75% (APR=6.836%) |
| Points / Credits | $335 | $2,853 |
| Payment | $2,196 | $2,270 |
| Saving over 30 years | $29,190 | $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 Wednesday, June 25 2025 at 11:50 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.015%) | 6.5% (APR=6.704%) |
| Points / Credits | $237 | $1,125 |
| Payment | $899 | $948 |
| Saving over 30 years | $18,528 | $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, June 25 2025 at 11:50 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6% (APR=6.015%) | 6.75% (APR=6.947%) |
| Points / Credits | $316 | $1,726 |
| Payment | $1,199 | $1,297 |
| Saving over 30 years | $36,690 | $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, June 25 2025 at 11:50 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.262%) | 6.45% (APR=6.832%) |
| Points / Credits | $455 | $3,980 |
| Payment | $2,155 | $2,201 |
| Saving over 30 years | $20,085 | $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, June 25 2025 at 11:50 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6.015%) | 6.375% (APR=6.577%) |
| Points / Credits | $253 | $3,200 |
| Payment | $959 | $998 |
| Saving over 30 years | $16,987 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)