Rate comparison
Loan Factory vs. Wells Fargo
Rates as of Tuesday, July 15 2025 at 2:00 AM (Pacific Time)
 |
Wells Fargo | |
|---|---|---|
| Rate | 6% (APR=6.023%) | 6.75% (APR=6.906%) |
| Points / Credits | $783 | $9,915 |
| Payment | $1,919 | $2,076 |
| Saving over 30 years | $65,652 | $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 Tuesday, July 15 2025 at 2:00 AM (Pacific Time)
|
Chase | |
|---|---|---|
| Rate | 6% (APR=6.059%) | 6.75% (APR=6.849%) |
| Points / Credits | $856 | $2,853 |
| Payment | $2,139 | $2,270 |
| Saving over 30 years | $49,189 | $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 Tuesday, July 15 2025 at 2:00 AM (Pacific Time)
|
Citibank | |
|---|---|---|
| Rate | 6% (APR=6.035%) | 6.625% (APR=6.806%) |
| Points / Credits | $554 | $1,125 |
| Payment | $899 | $960 |
| Saving over 30 years | $22,531 | $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, July 15 2025 at 2:00 AM (Pacific Time)
|
Bank of America | |
|---|---|---|
| Rate | 6% (APR=6.035%) | 6.75% (APR=6.95%) |
| Points / Credits | $739 | $1,726 |
| Payment | $1,199 | $1,297 |
| Saving over 30 years | $36,267 | $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, July 15 2025 at 2:00 AM (Pacific Time)
|
Guaranteed Rate | |
|---|---|---|
| Rate | 6% (APR=6.035%) | 6.49% (APR=6.846%) |
| Points / Credits | $1,294 | $3,714 |
| Payment | $2,098 | $2,210 |
| Saving over 30 years | $42,740 | $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, July 15 2025 at 2:00 AM (Pacific Time)
|
Better.com | |
|---|---|---|
| Rate | 6% (APR=6.035%) | 6.5% (APR=6.68%) |
| Points / Credits | $591 | $3,200 |
| Payment | $959 | $1,011 |
| Saving over 30 years | $21,329 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)