Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, January 22 2025 at 5:00 AM (Pacific Time)
 |
Wells Fargo | |
|---|---|---|
| Rate | 5.5% (APR=5.534%) | 6.75% (APR=6.961%) |
| Points / Credits | $750 | $7,618 |
| Payment | $1,136 | $1,297 |
| Saving over 30 years | $64,828 | $0 |
(Assumptions: Purchase price: $267,000. Loan amount: $200,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Chase
Rates as of Wednesday, January 22 2025 at 5:00 AM (Pacific Time)
|
Chase | |
|---|---|---|
| Rate | 5.75% (APR=5.75%) | 6.875% (APR=6.981%) |
| Points / Credits | $0 | $2,853 |
| Payment | $1,751 | $1,971 |
| Saving over 30 years | $81,977 | $0 |
(Assumptions: Purchase price: $375,000. Loan amount: $300,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Citibank
Rates as of Wednesday, January 22 2025 at 5:00 AM (Pacific Time)
|
Citibank | |
|---|---|---|
| Rate | 5.75% (APR=5.758%) | 6.875% (APR=7.046%) |
| Points / Credits | $126 | $1,125 |
| Payment | $875 | $985 |
| Saving over 30 years | $40,599 | $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 Wednesday, January 22 2025 at 5:00 AM (Pacific Time)
|
Bank of America | |
|---|---|---|
| Rate | 5.5% (APR=5.542%) | 7% (APR=7.3%) |
| Points / Credits | $930 | $1,726 |
| Payment | $1,136 | $1,331 |
| Saving over 30 years | $70,996 | $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 Wednesday, January 22 2025 at 5:00 AM (Pacific Time)
|
Guaranteed Rate | |
|---|---|---|
| Rate | 5.75% (APR=5.757%) | 6.75% (APR=7.097%) |
| Points / Credits | $270 | $3,476 |
| Payment | $2,043 | $2,270 |
| Saving over 30 years | $84,926 | $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 Wednesday, January 22 2025 at 5:00 AM (Pacific Time)
|
Better.com | |
|---|---|---|
| Rate | 5.5% (APR=5.539%) | 6.5% (APR=6.705%) |
| Points / Credits | $682 | $3,200 |
| Payment | $908 | $1,011 |
| Saving over 30 years | $39,598 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)