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loanDepot vs SoFi
Side-by-side refinance comparison based on public data and CFPB records.
By Wirly Editorial Team | Last reviewed: May 2026 | AI-assisted, human-reviewed
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Quick Comparison
| Feature | loanDepot | SoFi |
|---|---|---|
| Wirly Rating | 4/5 | 4.4/5 |
| Min. Credit Score | 620 | 600 |
| Loan Types | Conventional, FHA, VA, Jumbo | Conventional, Jumbo |
| Best For | Repeat customers | High-balance loans |
CFPB complaint figures reflect 2024 data. Lender profiles last reviewed May 2026.
At a Glance
Wirly Rating
Min. Credit Score
Loan Types Offered
Pros and Cons
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
SoFi
Pros
- +No origination, application, or appraisal fees
- +Competitive rates for well-qualified borrowers
- +Unemployment forbearance program for members
Cons
- -No FHA, VA, or USDA loans
- -Higher minimum credit score than some competitors
- -Limited loan product variety
How we compare lenders
Wirly compares lenders using public HMDA lending data, CFPB complaint records, published rate and fee disclosures, and editorial review. Rankings and ratings stay independent of advertising relationships. Read our full ranking methodology for details.
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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.