loanDepot Mortgage vs. SoFi 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 →
WealthSpott Verdict
loanDepot Mortgage wins on more measurable categories — particularly on rate and cost. SoFi Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
loanDepot Mortgage
SoFi Home Improvement
APR Range
6.40% – 7.90% Best
8.99% – 25.81%
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
680+
Funding Speed
21–30 days
Same day to a few days
loanDepot Mortgage
SoFi Home Improvement Loan
Not sure which loan is right for you?
Browse all loans