Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Tuesday, December 31 2024 at 12:50 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.375% (APR=6.377%) | 6.625% (APR=6.835%) |
| Points / Credits | $36 | $7,284 |
| Payment | $1,248 | $1,281 |
| Saving over 30 years | $19,128 | $0 |
(Assumptions: Purchase price: $267,000. Loan amount: $200,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Chase
Rates as of Tuesday, December 31 2024 at 12:50 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.375% (APR=6.39%) | 6.99% (APR=7.075%) |
| Points / Credits | $456 | $2,853 |
| Payment | $1,872 | $1,994 |
| Saving over 30 years | $46,277 | $0 |
(Assumptions: Purchase price: $375,000. Loan amount: $300,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)
Loan Factory vs. Citibank
Rates as of Tuesday, December 31 2024 at 12:50 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.25% (APR=6.272%) | 6.625% (APR=6.844%) |
| Points / Credits | $345 | $1,125 |
| Payment | $924 | $960 |
| Saving over 30 years | $13,740 | $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 Tuesday, December 31 2024 at 12:50 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.375% (APR=6.392%) | 7% (APR=7.28%) |
| Points / Credits | $356 | $1,726 |
| Payment | $1,248 | $1,331 |
| Saving over 30 years | $31,250 | $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 Tuesday, December 31 2024 at 12:50 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.5% (APR=6.514%) | 6.75% (APR=7.067%) |
| Points / Credits | $518 | $3,546 |
| Payment | $2,212 | $2,270 |
| Saving over 30 years | $23,908 | $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 Tuesday, December 31 2024 at 12:50 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.25% (APR=6.296%) | 6.5% (APR=6.683%) |
| Points / Credits | $778 | $3,200 |
| Payment | $985 | $1,011 |
| Saving over 30 years | $11,782 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)