Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, July 15 2025 at 2:00 PM (Pacific Time)

Wells Fargo
Rate 6.25% (APR=6.301%) 6.75% (APR=6.893%)
Points / Credits $1,699 $9,456
Payment $1,970 $2,076
Saving over 30 years $45,917 $0

(Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Chase

Rates as of Tuesday, July 15 2025 at 2:00 PM (Pacific Time)

Chase
Rate 6.375% (APR=6.422%) 6.75% (APR=6.847%)
Points / Credits $322 $2,853
Payment $2,224 $2,270
Saving over 30 years $19,123 $0

(Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit 740+. Single Family Residence. Primary Residence. 30-day lock)

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Loan Factory vs. Citibank

Rates as of Tuesday, July 15 2025 at 2:00 PM (Pacific Time)

Citibank
Rate 6.125% (APR=6.146%) 6.625% (APR=6.806%)
Points / Credits $330 $1,125
Payment $911 $960
Saving over 30 years $18,435 $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 Tuesday, July 15 2025 at 2:00 PM (Pacific Time)

Bank of America
Rate 6.125% (APR=6.146%) 6.75% (APR=6.944%)
Points / Credits $440 $1,726
Payment $1,215 $1,297
Saving over 30 years $30,806 $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 Tuesday, July 15 2025 at 2:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.375% (APR=6.381%) 6.45% (APR=6.816%)
Points / Credits $210 $4,158
Payment $2,184 $2,201
Saving over 30 years $10,068 $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 Tuesday, July 15 2025 at 2:00 PM (Pacific Time)

Better.com
Rate 6.125% (APR=6.146%) 6.375% (APR=6.595%)
Points / Credits $352 $3,200
Payment $972 $998
Saving over 30 years $12,208 $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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