Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Friday, August 01 2025 at 2:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.125% (APR=6.129%) | 6.625% (APR=6.768%) |
| Points / Credits | $144 | $8,449 |
| Payment | $1,944 | $2,049 |
| Saving over 30 years | $46,105 | $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 Friday, August 01 2025 at 2:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.125% (APR=6.169%) | 6.49% (APR=6.582%) |
| Points / Credits | $245 | $2,853 |
| Payment | $2,167 | $2,210 |
| Saving over 30 years | $18,066 | $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 Friday, August 01 2025 at 2:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.875% (APR=5.898%) | 6.5% (APR=6.68%) |
| Points / Credits | $375 | $1,125 |
| Payment | $887 | $948 |
| Saving over 30 years | $22,710 | $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 Friday, August 01 2025 at 2:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.875% (APR=5.903%) | 6.625% (APR=6.846%) |
| Points / Credits | $610 | $1,726 |
| Payment | $1,183 | $1,281 |
| Saving over 30 years | $36,396 | $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 Friday, August 01 2025 at 2:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.125% (APR=6.132%) | 6.375% (APR=6.705%) |
| Points / Credits | $245 | $3,084 |
| Payment | $2,127 | $2,184 |
| Saving over 30 years | $23,359 | $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 Friday, August 01 2025 at 2:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.875% (APR=5.903%) | 6.25% (APR=6.462%) |
| Points / Credits | $488 | $3,200 |
| Payment | $946 | $985 |
| Saving over 30 years | $16,752 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)