Rate comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, July 12 2024 at 5:00 PM (Pacific Time)

Wells Fargo
Rate 6.125% (APR=6.145%) 6.375% (APR=6.583%)
Points / Credits $434 $8,025
Payment $1,215 $1,248
Saving over 30 years $19,471 $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, July 12 2024 at 5:00 PM (Pacific Time)

Chase
Rate 6.25% (APR=6.261%) 6.625% (APR=6.72%)
Points / Credits $345 $2,853
Payment $1,847 $1,921
Saving over 30 years $29,123 $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, July 12 2024 at 5:00 PM (Pacific Time)

Citibank
Rate 5.875% (APR=5.921%) 6.5% (APR=6.56%)
Points / Credits $750 $1,125
Payment $887 $948
Saving over 30 years $22,335 $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, July 12 2024 at 5:00 PM (Pacific Time)

Bank of America
Rate 6.125% (APR=6.145%) 6.75% (APR=7.052%)
Points / Credits $434 $1,726
Payment $1,215 $1,297
Saving over 30 years $30,812 $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, July 12 2024 at 5:00 PM (Pacific Time)

Guaranteed Rate
Rate 6.25% (APR=6.278%) 6.49% (APR=6.816%)
Points / Credits $1,050 $3,248
Payment $2,155 $2,210
Saving over 30 years $21,998 $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, July 12 2024 at 5:00 PM (Pacific Time)

Better.com
Rate 6.125% (APR=6.125%) 6.25% (APR=6.431%)
Points / Credits $0 $3,200
Payment $972 $985
Saving over 30 years $7,880 $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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