Fill out one application to choose from multiple loan offers
LendingTree is for homeowners looking to compare their home equity loan options across multiple lenders with one application. But if you’re concerned about your information being shared with lenders you don’t intend to work with, consider applying directly to a lender instead.
LendingTree is a lender-matching service that connects you with a variety of home loans, including home equity loans. Through a single online application, this service matches you with trusted lending partners.
But signing up puts your information on marketing lists for bank offers, even from the lenders you don’t choose, and you may receive a number of unsolicited calls and emails.
| Type | Marketplace/Broker |
| Loan products offered | HELOC, Home Equity loans |
| Minimum credit score | 620 |
| State availability | Available in all states |
| NMLS # | 1136 |
Have the following documentation ready before you apply:
You can’t apply for a loan through the LendingTree site, but to find lenders willing to work with you, follow these steps:
You can expect the following services from LendingTree:
This service connects borrowers with lenders for home purchase and home refinance products as well. You can also access a variety of mortgage loan-related calculators to help you suss out what kind of loan is best for you.
Compared to direct lenders, which typically can only offer you one or two home equity loans to choose from, LendingTree gives you access to more options. And they do the research for you. The list of lenders you’re connected with is specific to the loan you want and your eligibility statistics.
There are other marketplace services out there that offer access to a pool of lenders, but none with LendingTree’s nationwide reach.
Use our tool to get personalized estimated rates from top lenders based on your location and financial details. Select whether you’re looking for a Home Equity Loan, HELOC or Cash-Out Refinance.
If you selected a home equity loan or HELOC, enter your ZIP code, credit score and information about your current home to see your personalized rates.
In the Cash-Out Refinance tab, select Refinance and enter your ZIP code, credit score and other property details to see what you might qualify for.
The majority of reviews for LendingTree are favorable: As of July 2022, the company earns 4.6 out of 5 stars from Trustpilot from over 11,000 reviewers. Customers mention that the service is “fast” and “easy to use” and provides a “great” experience. However, this is for a range of loans, including personal loans, home loan products and more.
LendingTree has been accredited with the Better Business Bureau (BBB) since 2019 and has an A+ business rating. The company has a 1.38 out of 5 stars from 101 BBB customer reviewers, with most of the negative reviews reporting increased spam after signing up for the service and hard credit pulls that lowered credit scores.
What’s the difference between a home equity loan and home equity line of credit?
Home equity loans give you money in a lump sum, whereas a line of credit provides access to money as you need it up to the credit limit, much like a credit card. Home equity loans tend to have more fees than lines of credit, so make sure you look into all of your home loan options to determine the right fit for you.
How does LendingTree make money?
LendingTree makes money by providing your information to lenders who’ll likely approve your loan application. LendingTree could receive a referral fee or a commission once the loan is funded.
How can I stop getting calls and emails from LendingTree lenders?
Start by requesting to be put on LendingTree’s Do Not Call list. To stop any future calls from specific lenders, you may need to ask individual lenders to take your name off their contact lists.
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Heather Finder
Staff writer
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