Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Tuesday, August 05 2025 at 5:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.005%) | 6.5% (APR=6.665%) |
| Points / Credits | $163 | $10,786 |
| Payment | $1,919 | $2,023 |
| Saving over 30 years | $48,063 | $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 Tuesday, August 05 2025 at 5:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6% (APR=6.084%) | 6.49% (APR=6.58%) |
| Points / Credits | $1,803 | $2,853 |
| Payment | $2,139 | $2,210 |
| Saving over 30 years | $26,588 | $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 Tuesday, August 05 2025 at 5:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.8%) | 6.375% (APR=6.578%) |
| Points / Credits | $810 | $1,125 |
| Payment | $875 | $936 |
| Saving over 30 years | $22,275 | $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 Tuesday, August 05 2025 at 5:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.75% (APR=5.8%) | 6.5% (APR=6.723%) |
| Points / Credits | $1,080 | $1,726 |
| Payment | $1,167 | $1,264 |
| Saving over 30 years | $35,566 | $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 Tuesday, August 05 2025 at 5:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6% (APR=6.016%) | 6.3% (APR=6.719%) |
| Points / Credits | $616 | $4,067 |
| Payment | $2,098 | $2,166 |
| Saving over 30 years | $27,931 | $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 Tuesday, August 05 2025 at 5:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.8%) | 6.25% (APR=6.451%) |
| Points / Credits | $864 | $3,200 |
| Payment | $934 | $985 |
| Saving over 30 years | $20,696 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)