Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Monday, August 11 2025 at 4:00 PM (Pacific Time)

Wells Fargo
Rate 6% (APR=6.025%) 6.625% (APR=6.755%)
Points / Credits $864 $9,268
Payment $1,919 $2,049
Saving over 30 years $55,204 $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 Monday, August 11 2025 at 4:00 PM (Pacific Time)

Chase
Rate 6.125% (APR=6.174%) 6.49% (APR=6.566%)
Points / Credits $461 $2,853
Payment $2,167 $2,210
Saving over 30 years $17,850 $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 Monday, August 11 2025 at 4:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.887%) 6.375% (APR=6.59%)
Points / Credits $188 $1,125
Payment $887 $936
Saving over 30 years $18,577 $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 Monday, August 11 2025 at 4:00 PM (Pacific Time)

Bank of America
Rate 5.875% (APR=5.892%) 6.5% (APR=6.708%)
Points / Credits $371 $1,726
Payment $1,183 $1,264
Saving over 30 years $30,515 $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 Monday, August 11 2025 at 4:00 PM (Pacific Time)

Guaranteed Rate
Rate 6% (APR=6.037%) 6.3% (APR=6.632%)
Points / Credits $1,383 $4,204
Payment $2,098 $2,166
Saving over 30 years $27,301 $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 Monday, August 11 2025 at 4:00 PM (Pacific Time)

Better.com
Rate 5.875% (APR=5.892%) 6.25% (APR=6.467%)
Points / Credits $297 $3,200
Payment $946 $985
Saving over 30 years $16,943 $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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