Lendgo Review: Mortgage, Refi & HELOC Marketplace (2026)

Is Lendgo legit?

Yes. Lendgo, Inc. is a California-based company founded in 2005 and currently headquartered in Beverly Hills, registered with the Nationwide Mortgage Licensing System under NMLS #1693075. The company was founded and is led by CEO Cyrus Zahabian, who describes building the platform after a frustrating personal experience shopping for a mortgage.

Lendgo is transparent about what it is and what it isn’t. The disclosures page explicitly states that it is not a banker or lender, and that submitting a profile is not a loan application or prequalification. The site uses SSL encryption and public-key cryptography to protect personal data, and states that any data shared between Lendgo and its network partners is encrypted.

One thing worth knowing before you start: by submitting your information, lenders in the network may contact you by phone, email or mail — and they may retain your data even if you don’t move forward. This is disclosed on the site but has been a significant source of customer complaints.

What makes Lendgo shine

• No cost, no credit impact. Lendgo is free to use and states that submitting your profile will not affect your credit score, making it a relatively low-risk way to explore options before committing to a lender.
• Lenders compete for you. Rather than approaching lenders one at a time, matched lenders reach out with offers tailored to your profile, which the platform describes as making “banks compete for borrowers.”
• Multiple loan types in one place. Home purchase, refinance, VA loans and HELOCs are all supported — a broader scope than some matching services.
• Educational resources included. The site offers a mortgage guide, calculator and educational content on topics like credit repair and debt consolidation, which may be useful for first-time buyers still navigating the process.

Where Lendgo falls short

• No upfront rate or fee disclosure. Lendgo cannot display rates, APRs, origination fees or closing costs before matching you with a lender. The disclosures page includes an illustrative representative rate, but explicitly notes this may not reflect what any particular lender offers you.
• Volume of follow-up contact. A consistent theme in customer reviews is that submitting a profile triggers immediate and sustained contact from multiple lenders — calls, texts and emails, sometimes before users even leave the site. Lendgo’s disclosures acknowledge this: lenders may contact you even if you’re on the Do Not Call list, and may retain your information regardless of whether you close a loan.
• Limited state availability. Lendgo holds mortgage broker licenses in approximately 22 states and DC. Not all states are covered.
• Marketplace transparency gaps. You won’t know which lenders you’ll be matched with, what loan types they offer, or what their credit requirements are until after you submit your profile.

How Lendgo compares to other lenders

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Loan products offered	State availability	Min. credit score
Rocket Mortgage	Conventional, Jumbo, FHA, VA, Refinance, Home equity loan	Available in all states	620	Apply online for free and lock in your rate for 90 days.	See rates More info Compare product selection Compare	loading
Veterans United	Conventional, FHA, VA, USDA, Jumbo, Refinance	Available in all states	620	Veterans United stands out from other lenders for its focus on serving the military community.	See rates More info Compare product selection Compare	loading

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Lendgo loan details

Other products Lendgo connects borrowers with

Beyond home purchase mortgages, Lendgo’s network also covers:

• Refinance loans. Rate-and-term and cash-out refinance options are available. The site’s disclosures include illustrative savings examples, though actual offers depend on matched lenders.
• VA loans. VA loans are listed as a supported product type. Eligibility requirements are set by the individual lenders you’re matched with.
• HELOCs and home equity loans. HELOCs are described as variable-rate with draw periods often lasting 10 years and total terms potentially up to 25 years. Home equity loans carry fixed rates. The site notes that home equity products are generally unavailable for properties currently listed for sale, and a home previously listed must typically be off the market for at least 90 days before applying.

Lendgo contact info

Costs and fees

Lendgo does not charge borrowers a fee to use the platform — it is paid by lenders for lead generation. Any costs you pay come from the lender you ultimately choose to work with. Typical mortgage costs borrowers should expect from matched lenders include:

• Origination fees. Charged by lenders at closing to process your loan. The amount varies by lender.
• Closing costs. These bundle document preparation, underwriting and attorney fees into a single payment due at closing.
• Third-party fees. Appraisals, credit reports and recording fees are often paid to companies other than your lender.
• VA funding fees. If you’re matched with a VA loan, this fee is paid to the Department of Veterans Affairs. It typically ranges from 1.4% to 3.6% of the loan amount depending on your situation.

Because Lendgo doesn’t set or disclose any of these costs before you’re matched, it’s important to compare the full loan estimate from any lender you’re connected with before committing.

Calculate your monthly mortgage payments

Use the calculator below to estimate your monthly payment based on loan amount, interest rate and term. Lendgo also offers a mortgage calculator on its own website at lendgo.com/calculators/mortgage-calculator.

How to qualify for a Lendgo mortgage

Lendgo itself doesn’t set qualification standards — those are determined by the individual lenders in its network. Typical mortgage eligibility factors those lenders assess include:

• Credit score (minimum thresholds not disclosed by Lendgo)
• Proof of income and employment history
• Debt-to-income ratio
• Loan-to-value ratio based on down payment or home equity
• Property type and intended use

Required documentation

Specific requirements vary by the lender you’re matched with, but most mortgage lenders typically ask for:

• Government-issued ID
• Social Security Number or Individual Taxpayer Identification Number
• Recent pay stubs or proof of income
• Tax returns (typically two years)
• Bank statements
• Employment history

How to apply

1. Submit your profile on Lendgo.com. Answer a short series of questions about your loan need, property and financial situation. This doesn’t affect your credit score.
2. Review competing offers. Lenders in the network reach out with loan offers tailored to your profile. You can compare rates, terms and lender details.
3. Choose a lender and apply directly. Once you select a lender, you’ll move into their formal application process, which typically includes a hard credit check and document submission.
4. Complete underwriting and close. Your chosen lender handles verification, appraisal, underwriting and closing. Fees and timelines depend on that lender.

Lendgo reviews and complaints

Despite holding a BBB A+ rating — which reflects Lendgo’s adherence to BBB standards, not customer satisfaction — the platform’s actual customer reviews across both BBB and Trustpilot are overwhelmingly negative.

The dominant complaint across both platforms is the same: after submitting a profile, users are immediately contacted by multiple lenders through calls, texts and emails — sometimes before they’ve even left the site.

A number of BBB reviewers also report difficulty unsubscribing from Lendgo’s marketing emails, describing broken unsubscribe links and continued contact after requesting removal. On Trustpilot, where Lendgo has not publicly responded to negative reviews, users also frequently flag advertised rates as unattainable once matched with actual lenders. Positive reviews, which do exist, tend to highlight the ease of use and the speed of receiving offers.