Mortgage Loans lender review
Theta Loans Review
Our editorial team scored Theta Loans on rate competitiveness, fee transparency, funding speed, customer support, and program coverage.
At a glance
- APR range
- 5.99%–29.99%
- Loan amounts
- $1,000 – $100,000
- Minimum credit score
- 580
- Funding speed
- Varies
- NMLS ID
- —
- BBB rating
- —
- Headquarters
- Wilmington, DE
- Founded
- 2010
Editorial review
Placeholder editorial review for Theta Loans (Mortgage Loans). Real content lands separately.
Apply with Theta Loans
Pre-qualifying with a soft credit pull lets you see your real offer without affecting your credit score.
See my rate at Theta LoansFrequently asked questions
Is Theta Loans a direct lender?
Theta Loans is licensed under NMLS (verify on NMLS Consumer Access). Whether they fund the loan directly or act as a broker varies by program and state — confirm in your specific loan estimate.What credit score do I need?
Theta Loans accepts applications starting at 580. Best rates typically require 720+ scores. Your actual offer depends on your full credit profile plus property type, down payment, and DTI.How long does closing take?
Theta Loans advertises around 30-45 business days for a typical purchase. Refinance timelines are usually similar; faster (14-21 day) closings are possible on clean files.