loanDepot Mortgage vs. SoFi Student 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 Student Loan may still be the right fit depending on your loan amount and term needs.
Feature
loanDepot Mortgage
SoFi Student Loan
APR Range
6.40% – 7.90%
4.49% – 14.70% Best
Loan Amount
$100,000 – $3,000,000 Best
From $1,000
Term Length
180–360 months
60–180 months
Origination Fee
0%–2% of loan amount
None
Min Credit Score
620+ Best
650+
Funding Speed
21–30 days
—
loanDepot Mortgage
SoFi Student Loan
Pros
- Competitive rates
- Competitive rates
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Requires cosigner for most
- Requires cosigner for most
- Good credit needed
- Good credit needed
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