LendingTree Mortgage Refinance Review

Rating: 9.8 / 10 (Excellent)
8 Customer Reviews - see all reviews
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LendingTree is a duly licensed mortgage broker that facilitates home refinancing services through a convenient online portal. It helps connect homeowners searching for home refinancing options with its large network of mortgage lenders. Homeowners are able to get quotes from as many as five lenders in a matter of minutes. LendingTree aims to make home refinancing easier by empowering homeowners to make more informed decisions by selecting the best quotes from numerous mortgage lenders.   

Types of Home Refinancing Mortgages

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages


Other home loan options

Aside from providing mortgage refinancing, LendingTree also offers home equity loans and reverse mortgage options through its network of mortgage lenders.

  • Home Equity Loans
  • Reverse Mortgage


Qualifying for Mortgage Refinance

A majority of people applying for home refinancing are having difficulty keeping up with their monthly payments. Hence, most of these homebuyers may have experienced a drop in their credit ratings. LendingTree lets mortgage lenders compete for your business. This means finding a mortgage lender that accepts less than ideal credit scores is possible.


Credit Score

580 or better

Income to Debt Ratio

35% or more

Years Employed

2 years

Loan Terms

Up to 30 years


Things that lenders may ask for

  • Current mortgage information
  • Homeowners insurance
  • Property tax bill
  • Prior closing documents
  • Latest payroll stubs
  • W-2 forms
  • Most recent bank statements


Refinance Mortgage Rates


Fixed Rate Mortgages


30-Year Term

15-Year Term

Mortgage amount



Annual percentage rate (APR)



Number of monthly payments



Principal and interest




Adjustable Rate Mortgages

5/1 ARM


Mortgage amount


Annual Percentage Rate (APR)

3.75% for the first 60 months

Number of monthly payments


Principal and interest



Why Mortgage Refinance at LendingTree

LendingTree as a mortgage refinance service truly shines because of its ability to connect homeowners to different lenders who all compete for their business. Rather than working with a single company and negotiating for smaller interest rates, LendingTree gives homeowners multiple options for making a more informed decision. 


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Latest Reviews

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Sharon J
Pittsburg, Kansas
they gave me the amount then told me there would be an $8,000 closing cost which made our loan higher than what we wanted because their closing rates are outrageous. I complained. I woman named Jennifer called me once and supposedly connected me with another guy who called me once and I never heard from Jennifer again nor have I heard from the loan officer again nor have I received a lower rate, counter offer, agreement to work out something better, etc. It. was either their way or the highway and they plain and simply lied to me. They do not care if they get your loan or refinance you or not but whenever you punch in those numbers on your computer your phone is ringing before you can... Read More

Waterloo, Iowa
Won't even pick up the phone. Or have a call center to help during nonbusiness hours. I don't see how they're rated number one.

Chris B
Sacramento, California
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joe s
Ramsey, New Jersey
I was fornswaggled into this cheezy mortgage company because the 3 before me sold my loan and/or went buy buy.... I had in the process of one bank bite the bullet get a lower credit rating because it came up a month I did not have to pay....I wish you would get clear of your loan when a bank goes under. It seems fair because it is their fault for going under. I also have no escrow with the bank which was not a problem with my first bank in which I signed up with...But they want more percentage points for that... even though a bank before had not paid the taxes on my house before and a lean was taken out... Isn't not totally bad but sometimes useless it trying to change anything like new... Read More

Mount Airy, North Carolina
after going thru the exhaustive hoops and appraisal process for a refi, we wanted a 100000 loan on an appraised house of 175000 with credit ratings of my wife and myself of over 700 and at the last minute got declined. Royal mortgage you stink!!!

Williams, Indiana
Lending Tree asked for every private detail it could about my life and at the end of it all, it spat out "We weren't able to match you with any lenders in our network." So I've given them everything and they have given me nothing. Not impressed.

Trent H
Pearland, Texas
Lending tree does a great job of giving you many options. I do not like the fact that a phone number must be entered immediately. Get ready to have your phone blow up with offers.

jon s
Toronto, Ontario
that's a good offer for mine. thanks for suggestion

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