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)

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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)

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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)

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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)

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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)

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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)

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