Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, July 18 2025 at 5:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.25% (APR=6.286%) | 6.75% (APR=6.893%) |
| Points / Credits | $1,203 | $9,278 |
| Payment | $1,970 | $2,076 |
| Saving over 30 years | $46,235 | $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 Friday, July 18 2025 at 5:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.315%) | 6.75% (APR=6.835%) |
| Points / Credits | $1,393 | $2,853 |
| Payment | $2,184 | $2,270 |
| Saving over 30 years | $32,452 | $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 Friday, July 18 2025 at 5:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.125% (APR=6.149%) | 6.625% (APR=6.806%) |
| Points / Credits | $375 | $1,125 |
| Payment | $911 | $960 |
| Saving over 30 years | $18,390 | $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 Friday, July 18 2025 at 5:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.25% (APR=6.25%) | 6.75% (APR=6.954%) |
| Points / Credits | $0 | $1,726 |
| Payment | $1,231 | $1,297 |
| Saving over 30 years | $25,486 | $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 Friday, July 18 2025 at 5:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.288%) | 6.475% (APR=6.842%) |
| Points / Credits | $1,393 | $4,249 |
| Payment | $2,155 | $2,206 |
| Saving over 30 years | $21,216 | $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 Friday, July 18 2025 at 5:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.125% (APR=6.172%) | 6.5% (APR=6.68%) |
| Points / Credits | $800 | $3,200 |
| Payment | $972 | $1,011 |
| Saving over 30 years | $16,440 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)