Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, December 13 2024 at 2:00 PM (Pacific Time)

Wells Fargo
Rate 6.125% (APR=6.156%) 6.375% (APR=6.581%)
Points / Credits $668 $7,877
Payment $1,215 $1,248
Saving over 30 years $19,089 $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 Friday, December 13 2024 at 2:00 PM (Pacific Time)

Chase
Rate 6.25% (APR=6.257%) 6.75% (APR=6.856%)
Points / Credits $225 $2,853
Payment $1,847 $1,946
Saving over 30 years $38,192 $0

(Assumptions: Purchase price: $375,000. Loan amount: $300,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Citibank

Rates as of Friday, December 13 2024 at 2:00 PM (Pacific Time)

Citibank
Rate 6% (APR=6.032%) 6.5% (APR=6.68%)
Points / Credits $513 $1,125
Payment $899 $948
Saving over 30 years $18,252 $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 Friday, December 13 2024 at 2:00 PM (Pacific Time)

Bank of America
Rate 6.125% (APR=6.161%) 6.75% (APR=7.029%)
Points / Credits $766 $1,726
Payment $1,215 $1,297
Saving over 30 years $30,480 $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 Friday, December 13 2024 at 2:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.375% (APR=6.377%) 6.475% (APR=6.846%)
Points / Credits $91 $4,263
Payment $2,184 $2,206
Saving over 30 years $12,092 $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 Friday, December 13 2024 at 2:00 PM (Pacific Time)

Better.com
Rate 6.125% (APR=6.138%) 6.375% (APR=6.549%)
Points / Credits $221 $3,200
Payment $972 $998
Saving over 30 years $12,339 $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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