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LendingTree mortgage service review

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Connect with vetted lenders on mortgages of up to 30 years with this online lending giant.

LendingTree is a free online loan marketplace — not a direct provider. Rather than fund home financing products directly, it connects you to partnered lenders after filling out an online form.


Loan types Conventional, Refinance, Home Equity, HELOC, Jumbo, Reverse, FHA, VA, USDA
Minimum credit 620
Other minimum credits 620
Minimum down payment 3.5%
Origination fee Depends
Other fees While LendingTree’s service is free to use, there will likely be fees associated with your home loan. These fees vary by lender but often include an origination fee and prepayment fees. A good rule of thumb is to budget at least 0.5% to 1% of the amount you borrow for the loan origination fee.
Available States Available in all states


  • Easy to get started
  • Compare rates from a number of lenders
  • Get alerts when a better deal is available


  • Contact info shared with potential lenders
Borrowers love the simplicity and convenience of finding a loan through LendingTree’s online service. After completing a single online form, you’re presented with multiple lenders and loan offers in minutes, giving you control over the home loan process.

Trustpilot awards LendingTree a score of 8.6 out of 10. The Better Business Bureau gives LendingTree an B rating.

The most common complaint among LendingTree borrowers? An inundation of phone calls and emails from potential lenders. After completing the online form with LendingTree, your contact information is shared with LendingTree’s partnered loan providers.

If you choose LendingTree, prepare for lenders to contact you with potential loan offers, or consider filling it out with a secondary email address or phone number instead of submitting your main contact info.

What types of loans does LendingTree offer?

The specifics of your home loan ultimately depend on the lender that provides the loan you accept. You can compare offers through LendingTree for:

Conventional mortgages

You can use LendingTree to find a fixed- or adjustable-rate mortgage with a term length that suits your needs.

VA loans

VA loans are available to military service members, veterans and some military spouses with $0 down.

FHA loans

LendingTree allows borrowers to compare offers for government-backed FHA loans through its website. FHA loans come with less stringent credit requirements and down payments as low as 3.5%, which makes accessing a mortgage more accessible for some borrowers.

Be aware that FHA loans are often accompanied by a lot of paperwork and higher ongoing fees as a result of the insurance premiums required to secure them. While FHA loans are a good option for those who might otherwise have difficulty accessing a home loan, this form of mortgage is not for everyone.

Jumbo loans

Jumbo loans are suited to mortgages over $510,400. Each lender that LendingTree partners with will have a different maximum mortgage limit.

Other mortgage types

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

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

LendingTree fees

LendingTree service is free to use, so any cost associated with your home loan will be a result of your lender’s processing fees.

Many lenders charge a one-time origination fee for processing a loan that typically ranges from 0.5% to 1% of the amount you borrow.

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

  • Application fee
  • Origination fee
  • Underwriting fee
  • Rate lock fee
  • Ongoing fees
  • Prepayment fees
  • Third party fees


You’ll generally need a credit score of at least 620, though a higher credit score will be required by some mortgage providers you may be matched with.

Your down payment will depend on what type of loan you choose. For example, VA loans are available with $0 down, 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
  • Your Social Security number
  • Your credit score and/or report
  • Your date of birth
  • Your current address

How to get a home loan with LendingTree

To find a mortgage using LendingTree:

Pros and cons


  • Simple form. Complete a short online questionnaire to get started.
  • Competitive loan offers. LendingTree compiles your most competitive loan offers, which makes it easy for you to evaluate and compare your mortgage rates and options.
  • 1,500+ lenders with reviews. These partnered lenders offer access to a large portfolio of lending options, and you can compare lender ratings and reviews from verified customers for a more informed decision.
  • Alerts on better deals. If LendingTree finds a better rate than your current loan, it sends an alert to your LendingTree account.


  • Contact info shared with lenders. LendingTree sends your contact info to potential lenders to get in touch with you. Unfortunately, this also means lenders can flood your inbox and voicemail with marketing emails and offers even after you’ve chosen a lender.

Compare other mortgage lenders

Name Product Loans offered State availability Min. credit score
Axos Bank
Conventional, Refinance, Jumbo, Home Equity, Fixed, Adjustable, FHA, VA, USDA
Available in all states
Explore a full suite of home loan options with this direct online lender.
Requires minimum credit score of 680 for conventional loans above $100,000 only. Not currently offering FHA, VA, USDA, Jumbo, or certain types of refinancing. A short online form presents you with multiple loan options and terms to choose from. Not available in every state: make sure you live in a qualifying state before applying.
Rocket Mortgage
Conventional, Refinance, Jumbo, FHA, VA, USDA
Available in all states
Streamline your mortgage from quote to final payment — all from your computer or phone.

Compare up to 4 providers

What is LendingTree?

Founded in 1998, LendingTree is one of the leading online brokers for home loans, refinancing, reverse mortgages, home equity loans and other financial services. But it’s not a direct lender. That means that it won’t provide you a loan for your home — it’ll just connect you with a lender that can.

As of August 2019, Trustpilot awards LendingTree a score of 8.6/10 with nearly 7,000 reviews. The Better Business Bureau gives LendingTree a B rating with an average of 3/5 stars.

The most common complaint among LendingTree borrowers is too many phone calls and emails from potential lenders. After completing the online form with LendingTree, your contact information is shared with LendingTree’s partnered loan providers.

Frequently asked questions about LendingTree

Expert review

Shannon Terrell

Review by

Shannon Terrell is a writer for Finder who studied communications and English literature at the University of Toronto. On any given day, you can find her researching everything from equine financing and business loans to student debt refinancing and how to start a trust. She loves hot coffee, the smell of fresh books and discovering new ways to save her pennies.

Expert review

This connection service is good for borrowers with good credit looking to compare options. However, if you want to avoid lenders soliciting your email and phone, try working with a direct lender.

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