Rate comparison

Loan Factory vs. Wells Fargo

Rates as of Tuesday, March 18 2025 at 9:00 PM (Pacific Time)

Wells Fargo
Rate 5.875% (APR=5.912%) 6.75% (APR=6.948%)
Points / Credits $800 $7,380
Payment $1,183 $1,297
Saving over 30 years $47,620 $0

(Assumptions: Purchase price: $267,000. Loan amount: $200,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Chase

Rates as of Tuesday, April 29 2025 at 9:00 PM (Pacific Time)

Chase
Rate 6% (APR=6.05%) 6.75% (APR=6.853%)
Points / Credits $525 $2,853
Payment $2,139 $2,270
Saving over 30 years $49,520 $0

(Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Citibank

Rates as of Tuesday, April 29 2025 at 9:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.877%) 6.5% (APR=6.68%)
Points / Credits $38 $1,125
Payment $887 $948
Saving over 30 years $23,047 $0

(Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Bank of America

Rates as of Tuesday, April 29 2025 at 9:00 PM (Pacific Time)

Bank of America
Rate 6% (APR=6.002%) 6.625% (APR=6.928%)
Points / Credits $50 $1,726
Payment $1,199 $1,281
Saving over 30 years $31,196 $0

(Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Guaranteed Rate

Rates as of Tuesday, April 29 2025 at 9:00 PM (Pacific Time)

Guaranteed Rate
Rate 6% (APR=6.033%) 6.375% (APR=6.682%)
Points / Credits $1,238 $4,305
Payment $2,098 $2,184
Saving over 30 years $34,027 $0

(Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Better.com

Rates as of Tuesday, April 29 2025 at 9:00 PM (Pacific Time)

Better.com
Rate 5.875% (APR=5.901%) 6.375% (APR=6.582%)
Points / Credits $440 $3,200
Payment $946 $998
Saving over 30 years $21,480 $0

(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)

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