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SoFi vs. LendingTree

LendingTree is our pick based on loan selection and greater choice for borrowers of all types.

LendingTree is a loan marketplace that lets you choose from a range of lenders, while SoFi is a fintech lender offering several types of loans. LendingTree gets our vote based on loan selection and greater flexibility.

Our verdict: LendingTree is our choice

LendingTree is a loan marketplace that lets you compare different lenders to help find the right loan for your needs. We like the service because lenders compete for your business, and you might get a better rate than if you searched on your own.
In our view, LendingTree wins over SoFi because you’ll have access to a much wider range of loans, including government-backed options, home equity loans and lines of credit (HELOCs) and even reverse mortgages. SoFi only offers conventional, jumbo and home equity loans.
But with LendingTree, you have to share your information so it can match you up to suitable lenders. This may result in more phone calls or emails than you like.

Overview: SoFi vs. LendingTree

At a quick glance
  • Consider this lender if you have student loan debt.
  • Choose another lender if you live in Hawaii.
  • Consider LendingTree if you want to compare several quotes.
  • Choose another lender if you don’t want to get multiple calls or emails.
Loan products offered Conventional, Jumbo, Home equity, Refinance Conventional, Jumbo, FHA, VA, USDA, Home Equity, HELOC, Reverse, Refinance
State availability Not available in: HI Available in all states
Min. credit score 620 620
BBB Rating A+ A+
Trustpilot Rating Poor Excellent
  • Multiple fixed-rate terms
  • Membership perks
  • Fully-online application process
  • Lender portfolio
  • Free to use
  • Money-saving notifications
  • Must put down at least 10%
  • Limited service
  • Mortgage can’t be used for investment
  • Calls and emails
  • Could hurt your credit
More info Read Review Read Review

SoFi customer reviews

SoFi gets overall good marks from customers, earning a 2.5 out of 5 star rating on Trustpilot from over 2,500 reviewers as of June 2022. The lender scores lower on the Better Business Bureau (BBB) with 1.22 out of 5 stars from 110 reviews.
Customers who like SoFi comment on the ease of applying online with few documents and the responsiveness of its customer service team. On the other hand, a few unhappy customers report difficulty getting approved and a lack of communication from loan officers.

LendingTree customer reviews

LendingTree has a rating of 4.6 out of 5 based on over 11,000 reviews on Trustpilot as of June 2022. Borrowers say they like the simplicity and convenience of finding a loan through the service.
On the other hand, LendingTree is only rated 1.38 out of 5 from 101 customers on the Better Business Bureau’s (BBB) website. The most common complaint is the volume of phone calls and emails received.

Compare other mortgage options

SoFi and LendingTree are both popular options with thousands of homebuyers across the US. But if you’re a tech-savvy borrower and want to go with a fully digital mortgage that doesn’t charge any origination fees, consider Better or Beeline.
Alternatively, if you’re looking for a different type of loan that you can’t get through SoFi or LendingTree, we suggest Draper & Kramer Mortgage or North American Savings Bank. Both lenders offer a wide range of loan products for investors, second-time homebuyers and nontraditional borrowers.
Find your perfect mortgage by comparing these lenders and lender marketplaces. Select See rates to get a personalized quote.

Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.

Name Product Loan products offered State availability Min. credit score
Not rated yet
Conventional, Jumbo, FHA, VA, USDA, Refinance
Not available in: NY
Great customer reviews and customized rate quotes in three minutes with no SSN needed.
CrossCountry Mortgage
Conventional, Jumbo, FHA, VA, USDA, HELOC, Reverse, Refinance
Available in all states
Rocket Mortgage
Not rated yet
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Apply online for free and lock in your rate for 90 days.
Veterans United
Not rated yet
Veterans United
Conventional, FHA, VA, USDA, Jumbo, Refinance
Available in all states
Veterans United stands out from other lenders for its focus on serving the military community.
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Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Forbes Advisor, Lifewire and financial comparison sites like iSelect and She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

Kat's expertise
Kat has written 198 Finder guides across topics including:
  • Mortgages
  • Home equity loans
  • Mortgage refinancing

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