Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Thursday, December 26 2024 at 11:00 AM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6.5% (APR=6.506%) | 6.75% (APR=6.961%) |
| Points / Credits | $127 | $7,433 |
| Payment | $1,264 | $1,297 |
| Saving over 30 years | $19,186 | $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 11:00 AM (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 11:00 AM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 6.375% (APR=6.391%) | 6.875% (APR=7.059%) |
| Points / Credits | $257 | $1,125 |
| Payment | $936 | $985 |
| Saving over 30 years | $18,508 | $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 11:00 AM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6.5% (APR=6.513%) | 7% (APR=7.308%) |
| Points / Credits | $277 | $1,726 |
| Payment | $1,264 | $1,331 |
| Saving over 30 years | $25,569 | $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 11:00 AM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.625% (APR=6.637%) | 6.825% (APR=7.169%) |
| Points / Credits | $420 | $4,074 |
| Payment | $2,241 | $2,288 |
| Saving over 30 years | $20,574 | $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 11:00 AM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 6.375% (APR=6.418%) | 6.625% (APR=6.796%) |
| Points / Credits | $718 | $3,200 |
| Payment | $998 | $1,024 |
| Saving over 30 years | $11,842 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)