Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Thursday, July 10 2025 at 5:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.25% (APR=6.251%) | 6.625% (APR=6.792%) |
| Points / Credits | $38 | $10,526 |
| Payment | $1,970 | $2,049 |
| Saving over 30 years | $38,928 | $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 Thursday, July 10 2025 at 5:01 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.25% (APR=6.308%) | 6.75% (APR=6.833%) |
| Points / Credits | $722 | $2,853 |
| Payment | $2,196 | $2,270 |
| Saving over 30 years | $28,803 | $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 Thursday, July 10 2025 at 5:01 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6% (APR=6.011%) | 6.5% (APR=6.692%) |
| Points / Credits | $183 | $1,125 |
| Payment | $899 | $948 |
| Saving over 30 years | $18,582 | $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 Thursday, July 10 2025 at 5:02 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | (APR=) | 6.625% (APR=6.861%) |
| Points / Credits | $1,726 | |
| Payment | $1,281 | |
| Saving over 30 years | $0 | $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 Thursday, July 10 2025 at 5:03 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.25% (APR=6.263%) | 6.4% (APR=6.782%) |
| Points / Credits | $480 | $4,302 |
| Payment | $2,155 | $2,189 |
| Saving over 30 years | $16,062 | $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 Thursday, July 10 2025 at 5:03 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6% (APR=6.011%) | 6.375% (APR=6.566%) |
| Points / Credits | $195 | $3,200 |
| Payment | $959 | $998 |
| Saving over 30 years | $17,045 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)