Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, November 01 2024 at 4:00 PM (Pacific Time)

Wells Fargo
Rate 6.375% (APR=6.382%) 6.625% (APR=6.81%)
Points / Credits $152 $6,784
Payment $1,248 $1,281
Saving over 30 years $18,512 $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 Friday, November 01 2024 at 4:00 PM (Pacific Time)

Chase
Rate 6.375% (APR=6.415%) 6.875% (APR=6.984%)
Points / Credits $1,259 $2,853
Payment $1,872 $1,971
Saving over 30 years $37,158 $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 Friday, November 01 2024 at 4:00 PM (Pacific Time)

Citibank
Rate 6.25% (APR=6.25%) 6.625% (APR=6.844%)
Points / Credits $0 $1,125
Payment $924 $960
Saving over 30 years $14,085 $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 Friday, November 01 2024 at 4:00 PM (Pacific Time)

Bank of America
Rate 6.375% (APR=6.387%) 6.875% (APR=7.167%)
Points / Credits $250 $1,726
Payment $1,248 $1,314
Saving over 30 years $25,236 $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 Friday, November 01 2024 at 4:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.5% (APR=6.519%) 6.75% (APR=7.121%)
Points / Credits $679 $4,281
Payment $2,212 $2,270
Saving over 30 years $24,482 $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 Friday, November 01 2024 at 4:00 PM (Pacific Time)

Better.com
Rate 6.25% (APR=6.274%) 6.625% (APR=6.828%)
Points / Credits $400 $3,200
Payment $985 $1,024
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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