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Guaranteed Rate vs loanDepot
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Guaranteed Rate | loanDepot |
|---|---|---|
| Wirly Rating | 4.3/5 | 4/5 |
| Min. Credit Score | 620 | 620 |
| Loan Types | Conventional, FHA, VA, Jumbo, USDA | Conventional, FHA, VA, Jumbo |
| Best For | Wide loan selection | Repeat customers |
Pros and Cons
Guaranteed Rate
Pros
- +Extensive loan product menu including niche options
- +Both digital and in-person support available
- +Competitive rates with rate lock flexibility
Cons
- -Origination fees vary by market and loan type
- -Online reviews cite occasional processing delays
- -Not available in all states for all products
loanDepot
Pros
- +Lifetime guarantee waives lender fees on future refinances
- +Available nationwide with local loan officers
- +Solid digital application experience
Cons
- -Higher rates reported compared to some online lenders
- -Customer service ratings have fluctuated
- -No USDA loans
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.