Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, December 06 2024 at 2:00 PM (Pacific Time)

Wells Fargo
Rate 6% (APR=6.01%) 6.125% (APR=6.328%)
Points / Credits $222 $8,087
Payment $1,199 $1,215
Saving over 30 years $13,625 $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, December 06 2024 at 2:00 PM (Pacific Time)

Chase
Rate 6% (APR=6.022%) 6.375% (APR=6.484%)
Points / Credits $717 $2,853
Payment $1,799 $1,872
Saving over 30 years $28,276 $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, December 06 2024 at 2:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.875%) 6.375% (APR=6.578%)
Points / Credits $0 $1,125
Payment $887 $936
Saving over 30 years $18,765 $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, December 06 2024 at 2:00 PM (Pacific Time)

Bank of America
Rate 5.875% (APR=5.921%) 6.625% (APR=6.919%)
Points / Credits $1,000 $1,726
Payment $1,183 $1,281
Saving over 30 years $36,006 $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, December 06 2024 at 2:00 PM (Pacific Time)

Guaranteed Rate
Rate 6% (APR=6.035%) 6.125% (APR=6.449%)
Points / Credits $1,299 $4,106
Payment $2,098 $2,127
Saving over 30 years $13,247 $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, December 06 2024 at 2:00 PM (Pacific Time)

Better.com
Rate 5.875% (APR=5.898%) 6.375% (APR=6.581%)
Points / Credits $400 $3,200
Payment $946 $998
Saving over 30 years $21,520 $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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