Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Monday, December 02 2024 at 4:00 PM (Pacific Time)

Wells Fargo
Rate 6% (APR=6.039%) 6.25% (APR=6.455%)
Points / Credits $840 $7,282
Payment $1,199 $1,231
Saving over 30 years $17,962 $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 Monday, December 02 2024 at 4:00 PM (Pacific Time)

Chase
Rate 6% (APR=6.041%) 6.625% (APR=6.714%)
Points / Credits $1,326 $2,853
Payment $1,799 $1,921
Saving over 30 years $45,422 $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 Monday, December 02 2024 at 4:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.921%) 6.5% (APR=6.68%)
Points / Credits $750 $1,125
Payment $887 $948
Saving over 30 years $22,335 $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 Monday, December 02 2024 at 4:00 PM (Pacific Time)

Bank of America
Rate 6.125% (APR=6.127%) 6.75% (APR=7.022%)
Points / Credits $42 $1,726
Payment $1,215 $1,297
Saving over 30 years $31,204 $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 Monday, December 02 2024 at 11:50 AM (Pacific Time)

Guaranteed Rate
Rate 6.25% (APR=6.277%) 6.425% (APR=6.801%)
Points / Credits $991 $4,018
Payment $2,155 $2,195
Saving over 30 years $17,427 $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 Monday, December 02 2024 at 4:00 PM (Pacific Time)

Better.com
Rate 6% (APR=6.023%) 6.375% (APR=6.585%)
Points / Credits $400 $3,200
Payment $959 $998
Saving over 30 years $16,840 $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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