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LoanDepot Refinance Rates
Min. credit score: 620 · Min. equity: 15%
30-Year Refi
6.430%
APR 6.580%
15-Year Refi
5.680%
APR 5.830%
Cash-Out Refi
6.680%
APR 6.830%
Jumbo Refi
6.555%
APR 6.705%
VA IRRRL
5.805%
APR 5.955%
FHA Streamline
6.055%
APR 6.205%
vs. National Average
National Avg (30yr)
6.900%
LoanDepot Difference
-0.470%
LoanDepot Pros & Cons
Pros
- Lifetime guarantee on closing costs
- Fast online process
- Wide product range
Cons
- Origination fee applies
- Rates vary by state
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Frequently Asked Questions
What is LoanDepot's current refinance rate?+
LoanDepot's current 30-year refi rate is 6.43%, 15-year is 5.68%, and cash-out rate is 6.68%. Rates may vary based on credit score and loan amount.
What credit score do I need to refinance with LoanDepot?+
LoanDepot requires a minimum credit score of 620 for most refinance products. Higher scores qualify for better rates.
Does LoanDepot offer cash-out refinancing?+
Yes, LoanDepot offers cash-out refinancing at 6.68% for qualified borrowers with at least 15% equity remaining after the refinance.