loanDepot Mortgage vs. LightStream Personal 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 →
WealthSpott Verdict
loanDepot Mortgage wins on more measurable categories — particularly on rate and cost. LightStream Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
loanDepot Mortgage
LightStream Personal Loan
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 Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
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