loanDepot Mortgage vs. LightStream Home Improvement Loan
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 →
LightStream Home Improvement Loan
LightStream
4.6
APR 7.99–25.99%. Up to $100K. Same-day funding.
Full review →WealthSpott Verdict
loanDepot Mortgage wins on more measurable categories — particularly on rate and cost. LightStream Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
loanDepot Mortgage
LightStream Home Improvement
APR Range
6.40% – 7.90% Best
7.99% – 25.99%
Loan Amount
$100,000 – $3,000,000 Best
$5,000 – $100,000
Term Length
180–360 months
24–84 months
Origination Fee
0%–2% of loan amount
None
Min Credit Score
620+ Best
660+
Funding Speed
21–30 days
Same day
loanDepot Mortgage
LightStream Home Improvement Loan
Pros
- Low rates
- Low rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Strong credit needed
- Strong credit needed
- Unsecured only
- Unsecured only
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