Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, January 03 2025 at 2:00 PM (Pacific Time)

Wells Fargo
Rate 6.375% (APR=6.405%) 6.75% (APR=6.935%)
Points / Credits $630 $7,784
Payment $1,248 $1,297
Saving over 30 years $24,794 $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 Friday, January 03 2025 at 2:00 PM (Pacific Time)

Chase
Rate 6.375% (APR=6.407%) 6.99% (APR=7.088%)
Points / Credits $999 $2,853
Payment $1,872 $1,994
Saving over 30 years $45,734 $0

(Assumptions: Purchase price: $375,000. Loan amount: $300,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Citibank

Rates as of Friday, January 03 2025 at 2:00 PM (Pacific Time)

Citibank
Rate 6.25% (APR=6.281%) 6.875% (APR=7.059%)
Points / Credits $483 $1,125
Payment $924 $985
Saving over 30 years $22,602 $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 Friday, January 03 2025 at 2:00 PM (Pacific Time)

Bank of America
Rate 6.375% (APR=6.405%) 7% (APR=7.287%)
Points / Credits $630 $1,726
Payment $1,248 $1,331
Saving over 30 years $30,976 $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 Friday, January 03 2025 at 2:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.375% (APR=6.395%) 6.75% (APR=7.144%)
Points / Credits $728 $4,291
Payment $2,184 $2,270
Saving over 30 years $34,523 $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 Friday, January 03 2025 at 2:00 PM (Pacific Time)

Better.com
Rate 6.375% (APR=6.379%) 6.625% (APR=6.803%)
Points / Credits $69 $3,200
Payment $998 $1,024
Saving over 30 years $12,491 $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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