loanDepot Mortgage vs. SoFi Student Loan Refinance
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.
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WealthSpott Verdict
loanDepot Mortgage wins on more measurable categories — particularly on rate and cost. SoFi Student Loan Refinance 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%
4.99% – 14.70% Best
Loan Amount
$100,000 – $3,000,000 Best
$5,000 – $500,000
Term Length
180–360 months
60–240 months
Origination Fee
0%–2% of loan amount
None
Min Credit Score
620+ Best
650+
Funding Speed
21–30 days
2–3 weeks
loanDepot Mortgage
SoFi Student Loan Refinance
Pros
- No fees
- No fees
- Unemployment protection
- Unemployment protection
- Competitive rates
- Competitive rates
Cons
- Must have degree
- Must have degree
- Good credit required
- Good credit required
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