Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Monday, August 04 2025 at 4:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.018%) | 6.5% (APR=6.653%) |
| Points / Credits | $618 | $10,443 |
| Payment | $1,919 | $2,023 |
| Saving over 30 years | $47,265 | $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 Monday, August 04 2025 at 4:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6% (APR=6.082%) | 6.49% (APR=6.575%) |
| Points / Credits | $1,729 | $2,853 |
| Payment | $2,139 | $2,210 |
| Saving over 30 years | $26,662 | $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 Monday, August 04 2025 at 4:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.798%) | 6.375% (APR=6.578%) |
| Points / Credits | $782 | $1,125 |
| Payment | $875 | $936 |
| Saving over 30 years | $22,303 | $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 Monday, August 04 2025 at 4:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.75% (APR=5.798%) | 6.5% (APR=6.724%) |
| Points / Credits | $1,042 | $1,726 |
| Payment | $1,167 | $1,264 |
| Saving over 30 years | $35,604 | $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 Monday, August 04 2025 at 4:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6% (APR=6.03%) | 6.275% (APR=6.698%) |
| Points / Credits | $1,113 | $4,123 |
| Payment | $2,098 | $2,161 |
| Saving over 30 years | $25,690 | $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 Monday, August 04 2025 at 4:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.798%) | 6.25% (APR=6.454%) |
| Points / Credits | $834 | $3,200 |
| Payment | $934 | $985 |
| Saving over 30 years | $20,726 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)