loanDepot Mortgage vs. Figure Home Equity Line
Side-by-side comparison · Updated 2026 · Independently reviewed
loanDepot Mortgage
loanDepot
4.2
High-volume online lender with a fully digital application and a wide range of loan types.
Full review →Figure Home Equity Line
Figure
4.8
Fully digital HELOC with funding in as little as 5 days and a fixed interest rate — no variable-rate risk.
Full review →WealthSpott Verdict
loanDepot Mortgage wins on more measurable categories — particularly on rate and cost. Figure Home Equity Line may still be the right fit depending on your loan amount and term needs.
Feature
loanDepot Mortgage
Figure Home Equity
APR Range
6.40% – 7.90% Best
7.35% – 15.54%
Loan Amount
$100,000 – $3,000,000 Best
$15,000 – $400,000
Term Length
180–360 months
60–360 months
Origination Fee
0%–2% of loan amount
0%–4.99% of draw amount (rolled into balance)
Min Credit Score
620+ Best
640+
Funding Speed
21–30 days
As fast as 5 business days
loanDepot Mortgage
Figure Home Equity Line
Not sure which loan is right for you?
Browse all loans