Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Thursday, December 12 2024 at 4:00 PM (Pacific Time)

Wells Fargo
Rate 6.125% (APR=6.127%) 6.375% (APR=6.556%)
Points / Credits $48 $7,412
Payment $1,215 $1,248
Saving over 30 years $19,244 $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 Thursday, December 12 2024 at 4:00 PM (Pacific Time)

Chase
Rate 6.25% (APR=6.253%) 6.5% (APR=6.6%)
Points / Credits $111 $2,853
Payment $1,847 $1,896
Saving over 30 years $20,454 $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 Thursday, December 12 2024 at 4:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.93%) 6.375% (APR=6.59%)
Points / Credits $888 $1,125
Payment $887 $936
Saving over 30 years $17,877 $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 Thursday, December 12 2024 at 4:00 PM (Pacific Time)

Bank of America
Rate 6.125% (APR=6.127%) 6.75% (APR=7.031%)
Points / Credits $48 $1,726
Payment $1,215 $1,297
Saving over 30 years $31,198 $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 Thursday, December 12 2024 at 4:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.25% (APR=6.271%) 6.425% (APR=6.784%)
Points / Credits $763 $4,043
Payment $2,155 $2,195
Saving over 30 years $17,680 $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 Thursday, December 12 2024 at 4:00 PM (Pacific Time)

Better.com
Rate 6% (APR=6.031%) 6.25% (APR=6.47%)
Points / Credits $538 $3,200
Payment $959 $985
Saving over 30 years $12,022 $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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