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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Monday, July 14, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.281%)
Points/ Credits$1,037
Payment$1,970
Save $47,038 over 30 years

Wells Fargo

Rate6.75% (APR=6.906%)
Points/ Credits$9,915
Payment$2,076
Save $0 over 30 years

Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Chase

Rates as of Monday, July 14, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.335%)
Points/ Credits$1,736
Payment$2,196
Save $27,789 over 30 years

Chase

Rate6.75% (APR=6.849%)
Points/ Credits$2,853
Payment$2,270
Save $0 over 30 years

Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Citibank

Rates as of Monday, July 14, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.137%)
Points/ Credits$196
Payment$911
Save $18,569 over 30 years

Citibank

Rate6.625% (APR=6.806%)
Points/ Credits$1,125
Payment$960
Save $0 over 30 years

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 Monday, July 14, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.137%)
Points/ Credits$262
Payment$1,215
Save $30,984 over 30 years

Bank of America

Rate6.75% (APR=6.95%)
Points/ Credits$1,726
Payment$1,297
Save $0 over 30 years

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 Monday, July 14, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.293%)
Points/ Credits$1,572
Payment$2,155
Save $21,942 over 30 years

Guaranteed Rate

Rate6.49% (APR=6.846%)
Points/ Credits$3,714
Payment$2,210
Save $0 over 30 years

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 Monday, July 14, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.125% (APR=6.137%)
Points/ Credits$210
Payment$972
Save $17,030 over 30 years

Better.com

Rate6.5% (APR=6.676%)
Points/ Credits$3,200
Payment$1,011
Save $0 over 30 years

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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