Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Tuesday, February 04 2025 at 5:00 AM (Pacific Time)
 |
Wells Fargo | |
|---|---|---|
| Rate | 5.5% (APR=5.534%) | 6.75% (APR=6.961%) |
| Points / Credits | $750 | $8,259 |
| Payment | $1,136 | $1,297 |
| Saving over 30 years | $65,469 | $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 Friday, January 24 2025 at 2:00 AM (Pacific Time)
|
Chase | |
|---|---|---|
| Rate | 5.75% (APR=5.75%) | 6.99% (APR=7.079%) |
| Points / Credits | $0 | $2,853 |
| Payment | $1,751 | $1,994 |
| Saving over 30 years | $90,293 | $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 Tuesday, February 04 2025 at 5:00 AM (Pacific Time)
|
Citibank | |
|---|---|---|
| Rate | 5.75% (APR=5.758%) | 6.75% (APR=6.97%) |
| Points / Credits | $126 | $1,125 |
| Payment | $875 | $973 |
| Saving over 30 years | $36,279 | $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, February 04 2025 at 5:00 AM (Pacific Time)
|
Bank of America | |
|---|---|---|
| Rate | 5.5% (APR=5.542%) | 6.875% (APR=7.184%) |
| Points / Credits | $930 | $1,726 |
| Payment | $1,136 | $1,314 |
| Saving over 30 years | $64,876 | $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, February 04 2025 at 5:00 AM (Pacific Time)
|
Guaranteed Rate | |
|---|---|---|
| Rate | 5.75% (APR=5.757%) | 6.6% (APR=6.987%) |
| Points / Credits | $270 | $4,204 |
| Payment | $2,043 | $2,235 |
| Saving over 30 years | $73,054 | $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, February 04 2025 at 5:00 AM (Pacific Time)
|
Better.com | |
|---|---|---|
| Rate | 5.5% (APR=5.539%) | 6.5% (APR=6.691%) |
| 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)