Compare LendingTree vs. SoFi Mortgage Rates

What’s the difference between LendingTree Mortgage and SoFi Mortgage? See how our editors compare the two companies below.
Last Updated: April 27, 2018
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LendingTree Mortgage
9.8 / 10 - Excellent
#1 in Mortgage Rates
SoFi Mortgage
9.5 / 10 - Excellent
no_rank
vs

Key Facts

 

  • Our #1 Choice - Banks Compete, You Win!
  • Rates as low as 3.75% APR (for 15-year fixed-rate mortgages)
  • Compare quotes from up to 5 lenders in minutes, free of cost
  • Save time, view offers online, and get your free credit score
  • Take advantage of their extensive customer education section
  • As little as 10% down on loans of up to $3M with no PMI
  • Affordable down payments and no origination fees
  • Find exclusive rates and get pre-qualified in minutes
  • Receive funds in as little as 30 days after closing
  • Checking your score will not affect your credit
  • Not available in all states

OVERALL RATINGS

 LendingTreeSoFi
Loan Specifics10/109/10
Customer Experience10/1010/10
Qualification Requirements10/109/10
Lender Reputation10/1010/10

Customer Experience Compared

Types of Mortgage Loans Offered

LendingTree
vs
SoFi
  • Marketplace
  • Fixed Rate 15 Year
  • Fixed Rate 30 Year
  • 5/1 ARM
  • 7/1 ARM

Minimum Loan Amount

$80,000

Customer Experience Compared

Online Features

 LendingTreeSoFi
Online Application
Yes
Yes
Online Quote
Yes
Yes
Additional Tools and Resources
Affordability Calculator
Loan-to-debt Ratio Calculator
Help Articles
Check Today's Rates
Mortgage Calculator
Help Articles

Loan Closing Time

Decision and Closing Times


Qualification Requirements Compared

Key Requirements at a Glance

 LendingTreeSoFi
Minimum FICO Score
580
Non-Traditional Credit History Considered?
Yes
Yes

Additional Qualification Requirements


Lender Reputation Compared

Key Facts

 LendingTreeSoFi
Lender Type
Marketplace
Direct Lender
Year Founded
1996
2011
BBB Rating
A-
A+
BBB Positive Reviews
86
25
BBB Negative Reviews
64
82
TrustPilot Rating
9.3 out of 10
9.3 out of 10
Collection Date
2018-02-02
2018-02-05

Complaints & Regulatory Actions

 LendingTreeSoFi
Nationwide Mortgage Licensing System ID
1136
1121636
The Nationwide Mortgage Regulatory Actions
3
0
Consumer Financial Protection Bureau Complaints
157
64


Company Profile

Full Name
LendingTree Mortgage
SoFi Mortgage
Company Website
Headquarters
11115 Rushmore Drive, Charlotte, NC, 28277
One Letterman Drive Building C Main Floor Suite 250, San Francisco, CA, 94129

Final Verdict

LendingTree Mortgage has a higher overall rating than SoFi Mortgage. LendingTree scores better than SoFi across: Loan Specifics, and Qualification Requirements. However, SoFi scores better on Customer Experience, and Lender Reputation.