Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Saturday, August 30 2025 at 4:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.012%) | 6.5% (APR=6.629%) |
| Points / Credits | US$400 | US$8,219 |
| Payment | US$1,919 | US$2,023 |
| Saving over 30 years | US$45,259 | $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)
Loan Factory vs. Chase
Rates as of Saturday, August 30 2025 at 4:00 AM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6% (APR=6.048%) | 6.375% (APR=6.473%) |
| Points / Credits | US$438 | US$2,853 |
| Payment | US$2,139 | US$2,184 |
| Saving over 30 years | US$18,449 | $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)
Loan Factory vs. Citibank
Rates as of Saturday, August 23 2025 at 4:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.75% (APR=5.785%) | 6.375% (APR=6.566%) |
| Points / Credits | US$563 | US$1,125 |
| Payment | US$875 | US$936 |
| Saving over 30 years | US$22,522 | $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)
Loan Factory vs. Bank of America
Rates as of Saturday, August 30 2025 at 4:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 5.75% (APR=5.769%) | 6.375% (APR=6.605%) |
| Points / Credits | US$419 | US$1,726 |
| Payment | US$1,167 | US$1,248 |
| Saving over 30 years | US$30,467 | $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)
Loan Factory vs. Guaranteed Rate
Rates as of Saturday, August 30 2025 at 4:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6% (APR=6.013%) | 6.25% (APR=6.509%) |
| Points / Credits | US$490 | US$3,486 |
| Payment | US$2,098 | US$2,155 |
| Saving over 30 years | US$23,516 | $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)
Loan Factory vs. Better.com
Rates as of Saturday, August 30 2025 at 4:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.75% (APR=5.769%) | 6.125% (APR=6.322%) |
| Points / Credits | US$335 | US$3,200 |
| Payment | US$934 | US$972 |
| Saving over 30 years | US$16,545 | $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)