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)

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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)

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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)

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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)

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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)

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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)

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