Rate comparisons

Loan Factory vs. Wells Fargo

Rates as of Thursday, July 18 2024 at 4:00 AM (Pacific Time)

Wells Fargo
Rate 6.125% (APR=6.135%) 6.375% (APR=6.583%)
Points / Credits $210 $7,815
Payment $1,215 $1,248
Saving over 30 years $19,485 $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 Thursday, July 18 2024 at 4:00 AM (Pacific Time)

Chase
Rate 6% (APR=6.04%) 6.625% (APR=6.726%)
Points / Credits $1,281 $2,853
Payment $1,799 $1,921
Saving over 30 years $45,467 $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 Thursday, July 18 2024 at 4:00 AM (Pacific Time)

Citibank
Rate 6% (APR=6%) 6.375% (APR=6.471%)
Points / Credits $0 $1,125
Payment $899 $936
Saving over 30 years $14,445 $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 Thursday, July 18 2024 at 4:00 AM (Pacific Time)

Bank of America
Rate 6.125% (APR=6.135%) 6.875% (APR=7.149%)
Points / Credits $210 $1,726
Payment $1,215 $1,314
Saving over 30 years $37,156 $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 Thursday, July 18 2024 at 4:00 AM (Pacific Time)

Guaranteed Rate
Rate 6.25% (APR=6.277%) 6.49% (APR=6.804%)
Points / Credits $994 $3,157
Payment $2,155 $2,210
Saving over 30 years $21,963 $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 Thursday, July 18 2024 at 4:00 AM (Pacific Time)

Better.com
Rate 6% (APR=6.023%) 6.5% (APR=6.707%)
Points / Credits $400 $3,200
Payment $959 $1,011
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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