Rate Comparisons
Loan Factory vs. Wells Fargo
Rates as of Wednesday, December 11 2024 at 2:00 PM (Pacific Time)
| Wells Fargo | ||
|---|---|---|
| Rate | 6% (APR=6.023%) | 6.25% (APR=6.43%) |
| Points / Credits | $486 | $7,399 |
| Payment | $1,199 | $1,231 |
| Saving over 30 years | $18,433 | $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 Wednesday, December 11 2024 at 2:00 PM (Pacific Time)
| Chase | ||
|---|---|---|
| Rate | 6.125% (APR=6.128%) | 6.49% (APR=6.573%) |
| Points / Credits | $84 | $2,853 |
| Payment | $1,823 | $1,894 |
| Saving over 30 years | $28,412 | $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 Wednesday, December 11 2024 at 2:00 PM (Pacific Time)
| Citibank | ||
|---|---|---|
| Rate | 5.875% (APR=5.893%) | 6.5% (APR=6.68%) |
| Points / Credits | $288 | $1,125 |
| Payment | $887 | $948 |
| Saving over 30 years | $22,797 | $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 Wednesday, December 11 2024 at 2:00 PM (Pacific Time)
| Bank of America | ||
|---|---|---|
| Rate | 6% (APR=6.023%) | 6.75% (APR=7.002%) |
| Points / Credits | $486 | $1,726 |
| Payment | $1,199 | $1,297 |
| Saving over 30 years | $36,520 | $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 Wednesday, December 11 2024 at 2:01 PM (Pacific Time)
| Guaranteed Rate | ||
|---|---|---|
| Rate | 6.125% (APR=6.134%) | 6.375% (APR=6.746%) |
| Points / Credits | $319 | $4,032 |
| Payment | $2,127 | $2,184 |
| Saving over 30 years | $24,233 | $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 Wednesday, December 11 2024 at 2:01 PM (Pacific Time)
| Better.com | ||
|---|---|---|
| Rate | 5.875% (APR=5.923%) | 6.25% (APR=6.446%) |
| Points / Credits | $821 | $3,200 |
| Payment | $946 | $985 |
| Saving over 30 years | $16,419 | $0 |
(Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)