LendingTree Mortgage Review

Rating: 9.8 / 10 (Excellent)
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LendingTree is an online loan marketplace based out of North Carolina. Since 1996, its website has been a portal connecting borrowers with a variety of loans and mortgage products; as well as tools, educational resources, and access to other products (such as credit repair, debt relief, and home improvement, to name a few). They have an A+ rating with the BBB, and a five-star TrustPilot score.

LendingTree is a duly licensed mortgage broker that connects homebuyers with its network of home mortgage provides nationwide. The company offers a convenient online portal where you can submit your information to up to 5 lenders who are licensed to operate in your area. These lenders then compete for your business. Homebuyers are given the option of choosing which mortgage service to work with, allowing them to get the best deals available for their home mortgage needs.

Home Types

  • Single Home
  • Townhouse
  • Condo
  • Multi-family dwelling
  • Manufactured

Types of Mortgages

With its network of mortgage providers, LendingTree gives you a wide choice of companies to do business with. While industry standards place 20 percent as a minimum down payment for a new home, those with lesser down payments could avail themselves of an FHA loan to meet their needs.

  • Fixed Rate Mortgage
  • Adjustable Rate Mortgage
  • FHA Loans
  • VA Mortgages
  • Construction Loans

Mortgage Rates

LendingTree offers an Affordability Calculator that gives you a brief overview of what kind of house you can afford and an estimate of your mortgage payments based on your income, down payment and income to debt ratio. What’s interesting is that this simple search also provides you a list of mortgage services complete with mortgage rates.

*** LendingTree is a licensed mortgage broker and is not a direct provider of mortgage services. Mortgage rates and premiums are subject to mortgage provider selected.


Your search for a mortgage provider starts by clicking the “Get Qualified” button or the “View Free Offers” at the top of the screen. This immediately brings you to a series of questions. LendingTree helps connect you to its network of mortgage providers making the chances you qualify for a given loan increase.   

  • Credit Score
  • Debt to income ratio
  • Down payment required
  • Minimum Employment
  • Income

*** Qualifying for a home loan or the number of offers received definitely depends on the attractiveness of your credit profile.


Mortgage Rates at LendingTree

LendingTree makes the process of applying for home mortgage a more convenient experience by providing you with information on rates from up to 5 lenders. Starting your search begins with entering your basic information on the website. This is turn is sent to mortgage providers licensed in your area, giving you a chance to receive multiple offers and select the best mortgage rates available. Overall, LendingTree’s true value comes in terms of convenience. It empowers homebuyers by allowing them to shop for the best mortgage rates from different mortgage providers.  


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Customer Comments & Reviews

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Byron, Michigan
gave financial info - told GREAT - would be closing in 20 or less days. Then the foot draging began and 3-4 day lag between contact and misleading answers - They got $495 appraisal fee and $120 misc up front charges then told me my income did not qualify for any loan and could I get a cosigner - thanks for charging me over $600 for nothing.

Fitchburg, Massachusetts
This sounds like a marketing scam. They get your info and sell it to other mortgage providers.

Lourdes R
Fort Lauderdale, Florida
This is a very misleading company - don't give your information

Justine B
Brownsburg, Indiana
One of the worst companies every. Told my client they would have an interest rate 1/2% lower than the market and by the time we were ready to close it had increased to 1/2 % than the market and they charge extremely high lender fees. Would not use them.

Billy T
Eugene, Oregon
I will never EVER provide my contact information to this company. I was continuously harassed with numerous calls, daily, even after I told them to stop calling. I work nights, so this was an even worse issue. I told them repeatedly to leave their contact info and I would call them back when I woke up, but they continued to call. In fact, I had to threaten their reps with legal action before it stopped. They literally drove me to refinance with another institution, simply because of their tactics.

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