loanDepot Mortgage vs. Third Federal Savings & Loan HELOC
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 →Third Federal Savings & Loan HELOC
Third Federal Savings & Loan
4.6
Perennial rate leader for traditional HELOCs. Low variable rates, no origination fee, $65/yr annual fee.
Full review →WealthSpott Verdict
loanDepot Mortgage wins on more measurable categories — particularly on rate and cost. Third Federal Savings & Loan HELOC may still be the right fit depending on your loan amount and term needs.
Feature
loanDepot Mortgage
Third Federal Savings
APR Range
6.40% – 7.90% Best
6.49% – 7.99%
Loan Amount
$100,000 – $3,000,000 Best
$10,000 – $200,000
Term Length
180–360 months
120–360 months
Origination Fee
0%–2% of loan amount
No origination fee; $65/year annual fee
Min Credit Score
620+ Best
660+
Funding Speed
21–30 days
2–4 weeks
loanDepot Mortgage
Third Federal Savings & Loan HELOC
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