Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Thursday, December 26 2024 at 2:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.375% (APR=6.403%) | 6.75% (APR=6.961%) |
| Points / Credits | $591 | $7,433 |
| Payment | $1,248 | $1,297 |
| Saving over 30 years | $24,482 | $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 Thursday, December 26 2024 at 2:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.5% (APR=6.504%) | 7% (APR=7.104%) |
| Points / Credits | $117 | $2,853 |
| Payment | $1,896 | $1,996 |
| Saving over 30 years | $38,704 | $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 Thursday, December 26 2024 at 2:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.25% (APR=6.304%) | 6.625% (APR=6.844%) |
| Points / Credits | $849 | $1,125 |
| Payment | $924 | $960 |
| Saving over 30 years | $13,236 | $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 Thursday, December 26 2024 at 2:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.375% (APR=6.419%) | 7% (APR=7.286%) |
| Points / Credits | $911 | $1,726 |
| Payment | $1,248 | $1,331 |
| Saving over 30 years | $30,695 | $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 Thursday, December 26 2024 at 2:00 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.5% (APR=6.544%) | 6.75% (APR=7.103%) |
| Points / Credits | $1,610 | $4,018 |
| Payment | $2,212 | $2,270 |
| Saving over 30 years | $23,288 | $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 Thursday, December 26 2024 at 2:00 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.375% (APR=6.401%) | 6.5% (APR=6.701%) |
| Points / Credits | $435 | $3,200 |
| Payment | $998 | $1,011 |
| Saving over 30 years | $7,445 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)