Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Tuesday, February 11 2025 at 6:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.25% (APR=6.27%) | 6.75% (APR=6.936%) |
| Points / Credits | $413 | $7,500 |
| Payment | $1,231 | $1,297 |
| Saving over 30 years | $30,847 | $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 Friday, January 24 2025 at 3:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.375% (APR=6.415%) | 6.99% (APR=7.079%) |
| Points / Credits | $1,269 | $2,853 |
| Payment | $1,872 | $1,994 |
| Saving over 30 years | $45,464 | $0 |
(Assumptions: Purchase price: $375,000. Loan amount: $300,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Citibank
Rates as of Tuesday, February 11 2025 at 6:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.125% (APR=6.172%) | 6.625% (APR=6.831%) |
| Points / Credits | $750 | $1,125 |
| Payment | $911 | $960 |
| Saving over 30 years | $18,015 | $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 Tuesday, February 11 2025 at 6:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.25% (APR=6.284%) | 6.875% (APR=7.17%) |
| Points / Credits | $713 | $1,726 |
| Payment | $1,231 | $1,314 |
| Saving over 30 years | $30,893 | $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 Tuesday, February 11 2025 at 6:01 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.375% (APR=6.381%) | 6.5% (APR=6.883%) |
| Points / Credits | $233 | $4,193 |
| Payment | $2,184 | $2,212 |
| Saving over 30 years | $14,040 | $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 Tuesday, February 11 2025 at 6:01 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.25% (APR=6.262%) | 6.5% (APR=6.678%) |
| Points / Credits | $200 | $3,200 |
| Payment | $985 | $1,011 |
| Saving over 30 years | $12,360 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)