loanDepot Mortgage
Best High-Volume LenderloanDepot
4.2
6.40%–7.90% APR$100,000–$3,000,000Fee: 0%–2% of loan amountMin credit: 620+
APR Range
6.40%–7.90%
Loan Amount
$100,000–$3,000,000
Term
180–360 mo
Origination Fee
0%–2% of loan amount
Our take
One of the largest non-bank lenders in the US. Strong for FHA and conventional loans with a streamlined online process. Competitive on rate but customer service reviews are mixed — best for self-sufficient borrowers.
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Full details
| Minimum loan amount | $100,000 |
| Maximum loan amount | $3,000,000 |
| Lowest APR | 6.40% |
| Highest APR | 7.90% |
| Shortest term | 180 months |
| Longest term | 360 months |
| Origination fee | 0%–2% of loan amount |
| Minimum credit score | 620+ |
| Funding speed | 21–30 days |
Frequently asked questions
What is the APR range for loanDepot Mortgage?
loanDepot Mortgage offers APR from 6.40% to 7.90%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with loanDepot Mortgage?
Loan amounts range from $100,000 to $3,000,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for loanDepot Mortgage?
A minimum credit score of 620 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does loanDepot Mortgage charge an origination fee?
Yes, loanDepot Mortgage charges an origination fee of 0%–2% of loan amount. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with loanDepot Mortgage?
loanDepot Mortgage typically funds loans within 21–30 days. Actual funding time may vary based on verification requirements and your bank.
Is loanDepot Mortgage worth it?
One of the largest non-bank lenders in the US. Strong for FHA and conventional loans with a streamlined online process. Competitive on rate but customer service reviews are mixed — best for self-sufficient borrowers.
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Verified Mar 2026
loanDepot Mortgage