Guaranteed Rate Mortgage vs. Third Federal Savings & Loan HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
Guaranteed Rate Mortgage
Guaranteed Rate
4.3
Digital-first lender known for a transparent rate-lock guarantee and broad loan program coverage.
Full review →Third Federal Savings & Loan HELOC
Third Federal Savings & Loan
4.6
Perennial rate leader for traditional HELOCs. Low variable rates, no origination fee, $65/yr annual fee.
Full review →WealthSpott Verdict
Guaranteed Rate Mortgage wins on more measurable categories — particularly on rate and cost. Third Federal Savings & Loan HELOC may still be the right fit depending on your loan amount and term needs.
Feature
Guaranteed Rate Mortgage
Third Federal Savings
APR Range
6.20% – 8.10% Best
6.49% – 7.99%
Loan Amount
$100,000 – $4,000,000 Best
$10,000 – $200,000
Term Length
120–360 months
120–360 months
Origination Fee
Varies; typically 0.5%–1.5%
No origination fee; $65/year annual fee
Min Credit Score
620+ Best
660+
Funding Speed
21–30 days
2–4 weeks
Guaranteed Rate Mortgage
Third Federal Savings & Loan HELOC
Not sure which loan is right for you?
Browse all loans