Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, July 30 2025 at 9:50 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.125% (APR=6.169%) | 6.75% (APR=6.881%) |
| Points / Credits | $1,478 | $8,109 |
| Payment | $1,944 | $2,076 |
| Saving over 30 years | $54,151 | $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 Wednesday, July 30 2025 at 9:50 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.296%) | 6.625% (APR=6.722%) |
| Points / Credits | $700 | $2,853 |
| Payment | $2,184 | $2,241 |
| Saving over 30 years | $22,705 | $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, July 30 2025 at 9:50 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.027%) | 6.5% (APR=6.704%) |
| Points / Credits | $440 | $1,125 |
| Payment | $899 | $948 |
| Saving over 30 years | $18,325 | $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, July 30 2025 at 9:50 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6% (APR=6.027%) | 6.625% (APR=6.866%) |
| Points / Credits | $587 | $1,726 |
| Payment | $1,199 | $1,281 |
| Saving over 30 years | $30,659 | $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, July 30 2025 at 9:50 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.259%) | 6.425% (APR=6.807%) |
| Points / Credits | $350 | $4,116 |
| Payment | $2,155 | $2,195 |
| Saving over 30 years | $18,166 | $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, July 30 2025 at 9:50 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6.027%) | 6.375% (APR=6.584%) |
| Points / Credits | $470 | $3,200 |
| Payment | $959 | $998 |
| Saving over 30 years | $16,770 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)