Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

LendingTree mortgage service review

Compare rates and fees from hundreds of mortgage lenders on this leading marketplace.

LendingTree is a free online mortgage marketplace — not a direct mortgage provider. Rather than funding home financing products itself, LendingTree can connect you with partnered lenders after you complete an online form.

No reviews yet. Write a review


Loan products offeredConventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Minimum credit scoreConventional: 620
FHA: 500
VA: 620
USDA: 640
Jumbo: 800
Minimum down payment (Conventional)3%
State availabilityAvailable in all states
NMLS #1136

LendingTree requirements

Unlike direct mortgage lenders that require you to satisfy a certain set of criteria to get approved, the requirements on LendingTree vary from lender to lender. In general, however, you need a credit score of at least 500, though some lenders require a higher score. Your down payment also depends on what type of mortgage you choose. For example, you can get a VA mortgage with a $0 down payment, but you may need anywhere from 5% to 20% for some conventional and jumbo loans.


You’ll need to provide your:

  • Full name and personal contact information
  • Social Security number
  • Credit score and/or report
  • Date of birth
  • Current address

Costs and fees

LendingTree itself is free to use, but the lenders the platform connects you with will almost certainly charge fees to process your mortgage. Many lenders charge a one-time origination fee, which typically ranges from 0.5% to 1% of the amount you borrow.

Depending on your lender, you may also need to pay other fees, including:

  • Application fee
  • Underwriting fee
  • Rate-lock fee
  • Third-party fees
  • Other ongoing fees

How to compare mortgage rates through LendingTree

To compare mortgage rates in your area using LendingTree:

  1. Go to LendingTree’s site or use the form below. Click Home Purchase, then select the type of property you’re interested in buying and choose how the property will be used.
  2. Enter the city and state where you’re interested in living, and let LendingTree know if you’ve already found a home you want to buy and if you’re working with a real estate agent.
  3. Answer a multiple-choice question about when you intend to buy, then provide an estimated purchase price and declare how much of a down payment you can make.
  4. Tell LendingTree if you have an account with any major banks, then answer a couple of questions about whether this is your first time buying a home and if you have a co-borrower.
  5. Answer questions about your income, employment status, credit score and date of birth, then state if you or your spouse have served in the military and if you’ve recently filed for bankruptcy.
  6. Enter your current address, name and email address, then create a password and provide your phone number to review a list of lenders and their rates.

What types of mortgages can I get through LendingTree?

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo

Other mortgage products

Because LendingTree connects you with lenders, and is not a direct lender, you may be able to find a lender for other mortgage products, including:

  • Reverse mortgages
  • Home equity loans & lines of credit
  • Investment property mortgages

How LendingTree’s mortgage products compare to its competitors

While direct mortgage lenders only offer you access to a limited set of products, LendingTree’s marketplace lets you choose from hundreds of lenders offering a wide variety of home loans. Whether you’re looking for a conventional loan on a first home or hunting for a jumbo loan on a secondary residence, you’ll have no shortage of options to consider.

LendingTree is often compared to Credible, which is another mortgage marketplace. Both platforms are relatively similar in terms of how they work and what they offer. They’re each well-reviewed, and neither platform will charge you to compare mortgage rates. The primary distinction between the two marketplaces, however, is that LendingTree operates nationwide while Credible isn’t licensed to operate in Arizona, Hawaii, Missouri, Nevada, New York, Rhode Island, Utah or West Virginia.

Compare mortgage lenders and brokers

Compare these lenders and lender marketplaces by the type of home loan you're searching for, state availability and minimum credit score (for a conventional loan). Select See rates to provide the company with basic property and financial details for personalized rates.
Name Product Loan products offered State availability Min. credit score
(NMLS #1429243)
Conventional, Jumbo, Refinance
Preapproval in minutes and closing in as little as 3 weeks with no origination fees.
(NMLS #1121636)
Conventional, Home equity, Refinance
Not available in: HI, MO, NM, NY, WV
No hidden fees, multiple loan terms, and member discounts available.
Rocket Mortgage
(NMLS #3030)
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Streamline your mortgage from quote to final payment — all from your computer or phone.
(NMLS #330511)
Conventional, Jumbo, FHA, Refinance
Not available in: HI, MA, MN, NV, NH, VT, VA
Online preapproval in minutes and no origination fees with this direct lender.
(NMLS #1136)
Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
Available in all states
Connect with vetted home loan lenders quickly through this online marketplace.

Compare up to 4 providers

Ready to compare lenders?
View mortgage, refinance and home equity rates from multiple lenders and apply online.

Need help? Talk to a customer specialist


LendingTree reviews and complaints

As of October 2020, LendingTree has a rating of 4.5 out of 5 based on nearly 8,500 reviews on Trustpilot. Borrowers love the simplicity and convenience of finding a loan through this platform. All that’s required is completing a single online form, after which you are presented with multiple lenders and loan offers, giving you control over the home loan process.

On the other hand, LendingTree is only rated 2.28 out of 5 based on 91 reviews on the Better Business Bureau’s (BBB) website. The most common complaint in LendingTree reviews is the volume of phone calls and emails customers later receive from potential lenders. This is because LendingTree shares your contact information with a variety of third-party loan providers after you complete the online application, and some of these lenders may contact you more often than you’d like.

Pros and cons of LendingTree


  • 1,500+ lenders with reviews. LendingTree gives you access to a massive number of lending options, allowing you to compare lender ratings and verified customer reviews.
  • Competitive loan offers. LendingTree surfaces your most competitive loan offers, allowing you to quickly evaluate your mortgage rates and options.
  • Alerts on better deals. If LendingTree finds a lower rate compared to your current loan, it sends an alert to your LendingTree account.


  • Contact info shared with lenders. LendingTree shares your contact info with potential lenders that may email and call you with mortgage offers — even after you’ve chosen a lender.

What is LendingTree?

Founded in 1996, LendingTree is one of the leading online brokers for home loans, refinancing, reverse mortgages, home equity loans and other financial services. But LendingTree is not a direct lender, so it can’t provide you a loan for your home. Rather, it will connect you with a lender that can.

Frequently asked questions about LendingTree

Review by

Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

LendingTree is a solid resource you can use to quickly compare your options when it comes to getting a mortgage. But if you want to avoid third-party lenders soliciting you by phone and email, you might prefer working with a direct lender.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site