Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Wednesday, July 09 2025 at 2:00 PM (Pacific Time)

Wells Fargo
Rate 6.125% (APR=6.155%) 6.75% (APR=6.893%)
Points / Credits US$1,030 US$9,752
Payment US$1,944 US$2,076
Saving over 30 years US$56,242 $0

(Assumptions: Purchase price: US$400,000. Loan amount: US$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 Wednesday, July 09 2025 at 2:00 PM (Pacific Time)

Chase
Rate 6.25% (APR=6.3%) 6.75% (APR=6.84%)
Points / Credits US$439 US$2,853
Payment US$2,196 US$2,270
Saving over 30 years US$29,086 $0

(Assumptions: Purchase price: US$420,000. Loan amount: US$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 Wednesday, July 09 2025 at 2:00 PM (Pacific Time)

Citibank
Rate 6% (APR=6.005%) 6.5% (APR=6.717%)
Points / Credits US$83 US$1,125
Payment US$899 US$948
Saving over 30 years US$18,682 $0

(Assumptions: Purchase price: US$200,000. Loan amount: US$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 Wednesday, July 09 2025 at 2:00 PM (Pacific Time)

Bank of America
Rate 6% (APR=6.005%) 6.625% (APR=6.869%)
Points / Credits US$110 US$1,726
Payment US$1,199 US$1,281
Saving over 30 years US$31,136 $0

(Assumptions: Purchase price: US$250,000. Loan amount: US$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 Wednesday, July 09 2025 at 2:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.25% (APR=6.261%) 6.375% (APR=6.774%)
Points / Credits US$420 US$4,347
Payment US$2,155 US$2,184
Saving over 30 years US$14,367 $0

(Assumptions: Purchase price: US$437,500. Loan amount: US$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 Wednesday, July 09 2025 at 2:00 PM (Pacific Time)

Better.com
Rate 6% (APR=6.005%) 6.375% (APR=6.562%)
Points / Credits US$88 US$3,200
Payment US$959 US$998
Saving over 30 years US$17,152 $0

(Assumptions: Purchase price: US$200,000. Loan amount: US$160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)

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