Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Tuesday, August 19 2025 at 2:00 PM (Pacific Time)

Wells Fargo
Rate 6% (APR=6.029%) 6.625% (APR=6.767%)
Points / Credits US$1,008 US$9,204
Payment US$1,919 US$2,049
Saving over 30 years US$54,996 $0

(Assumptions: Purchase price: US$400,000. Loan amount: US$320,000. 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, August 19 2025 at 2:00 PM (Pacific Time)

Chase
Rate 6.125% (APR=6.185%) 6.49% (APR=6.582%)
Points / Credits US$846 US$2,853
Payment US$2,167 US$2,210
Saving over 30 years US$17,465 $0

(Assumptions: Purchase price: US$420,000. Loan amount: US$350,000. 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, August 19 2025 at 2:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.898%) 6.375% (APR=6.59%)
Points / Credits US$375 US$1,125
Payment US$887 US$936
Saving over 30 years US$18,390 $0

(Assumptions: Purchase price: US$200,000. Loan amount: US$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, August 19 2025 at 2:00 PM (Pacific Time)

Bank of America
Rate 5.875% (APR=5.904%) 6.5% (APR=6.727%)
Points / Credits US$617 US$1,726
Payment US$1,183 US$1,264
Saving over 30 years US$30,269 $0

(Assumptions: Purchase price: US$250,000. Loan amount: US$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, August 19 2025 at 2:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.125% (APR=6.127%) 6.25% (APR=6.627%)
Points / Credits US$70 US$3,808
Payment US$2,127 US$2,155
Saving over 30 years US$13,818 $0

(Assumptions: Purchase price: US$437,500. Loan amount: US$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, August 19 2025 at 2:00 PM (Pacific Time)

Better.com
Rate 5.875% (APR=5.904%) 6.375% (APR=6.544%)
Points / Credits US$493 US$3,200
Payment US$946 US$998
Saving over 30 years US$21,427 $0

(Assumptions: Purchase price: US$200,000. Loan amount: US$160,000. ZIP code: 94123, Credit 760+. Single Family Residence. Primary Residence. 30-day lock)

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