Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, December 03 2024 at 2:00 PM (Pacific Time)

Wells Fargo
Rate 6% (APR=6.031%) 6.25% (APR=6.442%)
Points / Credits $672 $7,957
Payment $1,199 $1,231
Saving over 30 years $18,805 $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 Tuesday, December 03 2024 at 2:00 PM (Pacific Time)

Chase
Rate 6.125% (APR=6.133%) 6.49% (APR=6.583%)
Points / Credits $246 $2,853
Payment $1,823 $1,894
Saving over 30 years $28,250 $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 Tuesday, December 03 2024 at 2:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.91%) 6.375% (APR=6.59%)
Points / Credits $563 $1,125
Payment $887 $936
Saving over 30 years $18,202 $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, December 03 2024 at 2:00 PM (Pacific Time)

Bank of America
Rate 6.125% (APR=6.13%) 6.75% (APR=7.004%)
Points / Credits $108 $1,726
Payment $1,215 $1,297
Saving over 30 years $31,138 $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, December 03 2024 at 2:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.25% (APR=6.267%) 6.375% (APR=6.764%)
Points / Credits $644 $4,302
Payment $2,155 $2,184
Saving over 30 years $14,098 $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, December 03 2024 at 2:00 PM (Pacific Time)

Better.com
Rate 6% (APR=6.012%) 6.5% (APR=6.686%)
Points / Credits $200 $3,200
Payment $959 $1,011
Saving over 30 years $21,720 $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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