Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, March 18 2025 at 5:00 PM (Pacific Time)

Wells Fargo
Rate 6% (APR=6.021%) 6.75% (APR=6.948%)
Points / Credits $458 $7,380
Payment $1,199 $1,297
Saving over 30 years $42,202 $0

(Assumptions: Purchase price: $267,000. Loan amount: $200,000. 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, April 03 2025 at 2:00 PM (Pacific Time)

Chase
Rate 5.875% (APR=5.956%) 6.49% (APR=6.567%)
Points / Credits $1,748 $2,853
Payment $2,111 $2,210
Saving over 30 years $36,723 $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, April 03 2025 at 2:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.875%) 6.125% (APR=6.325%)
Points / Credits $0 $1,125
Payment $887 $911
Saving over 30 years $9,765 $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, April 03 2025 at 2:00 PM (Pacific Time)

Bank of America
Rate 5.875% (APR=5.904%) 6.5% (APR=6.771%)
Points / Credits $616 $1,726
Payment $1,183 $1,264
Saving over 30 years $30,270 $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, April 03 2025 at 2:00 PM (Pacific Time)

Guaranteed Rate
Rate 5.875% (APR=5.921%) 6.125% (APR=6.379%)
Points / Credits $1,748 $3,385
Payment $2,070 $2,127
Saving over 30 years $22,157 $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, April 03 2025 at 2:00 PM (Pacific Time)

Better.com
Rate 5.875% (APR=5.898%) 6.125% (APR=6.309%)
Points / Credits $400 $3,200
Payment $946 $972
Saving over 30 years $12,160 $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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