LendingTree is a mortgage brokerage that connects consumers to multiple offers from banks and lending institutions.  They do the work for you by providing the ability to shop, compare and save on the type of mortgage you are looking for.  

Whether this is your first time applying for a home loan, or you're buying a vacation home or investment property, you’ll want to be prepared.

LendingTree works with hundreds of mortgage providers offering loans through banks, credit unions, and online specialty mortgage providers including  Wells Fargo, Bank of America and Citizens Bank. LendingTree offers every type of mortgage including conventional mortgages, VA mortgage loan, and FHA mortgage loans

Mortgage Calculator

The first step in getting a mortgage is calculating what you can afford. LendingTree provides a mortgage calculator on their site to get you started. With mortgage interest rates continuing to increase, it's important to know what you can qualify for before you start house shopping.  LendingTree also has a mortgage negotiator where you can enter the mortgage deal you've already found and compare to see if they can beat your current offer.

Get up to five free loan offers in minutes!

There's no cost and no obligation. It's just a great first step to turn your dream home into a reality. 

Looking to purchase a primary home, secondary home or rental property.  LendingTree is a leading online mortgage marketplace that connects consumers with one of the largest networks of lenders in the nation.  

New Mortgage

LendingTree's website tells us that getting a mortgage loan doesn't have to be difficult. They help consumers find the right home financing with the right mortgage lender

Conventional Mortgage

A conventional mortgage is not insured by a government agency but follows Fannie Mae guidelines.

VA Mortgage

A mortgage loan available to veterans and current military personnel.

If you're an eligible veteran and need to finance more than 80 percent of your home’s purchase price or appraised value, a VA Mortgage may be a good option for you.

FHA Mortgage

A Federally insured mortgage loan provided by an FHA-approved lender.

If you need to finance more than 80 percent of your home’s purchase price or appraised value, an FHA mortgage might be right for you.

Jumbo Mortgage

LendingTree specializes in jumbo mortgages and you will receive a great deal of information explaining how these products differ from a conforming mortgage. 

A jumbo mortgage is a non-government loan amount that exceeds limits set by Fannie Mae and Freddie Mac. The government-sponsored mortgages offer the majority of home loans ranging from $417,000 to $625,500 in higher-priced areas. The super jumbo mortgages can range from $650,000 to millions of dollars.

Loan Amounts Any Mortgage Amount
Required Credit Score Credit Score Requirement Varies with Product (FHA, Conventional, VA) Down Payment, Purchase Price of Home:
Types of Income Salaried,
Variable Rate Option Yes offered for all products
APR Range

APR will Fluctuate with the following:

  • Term Selected (5, 10, 15, 30 Year)
  • Fixed or Variable Rate
  • Type of Mortgage Selected (FHA, Conventional, VA)
  • Federal Prime Interest Rate Fluctuations
  • Individual Lender making offer
Loan Term Mortgage Term - 5 years to 30 years for all products offered.
Repayment Schedule Various choices
Credit Inquiry Hard Credit Inquiry
Fees and Closing Costs Closing Fees, Legal Fees, Prepayment Fees
Secured Loans Secured by property
Co-Signer Yes
Direct Deposit Funds are disbursed at closing
Loan Purpose To purchase a home (primary, secondary, or rental)
Qualifications U.S. Citizen, permanent resident with documentation
Allows Military Yes
Insurance Mortgage Insurance offered by 3rd company at time of close
Legal Documents Required U.S. Citizen, Green Card
Number of Offers 5 free loan offers within minutes of
Customer Service Phone, email, fax,

In Our View

LendingTree is well positioned to offer the best options for mortgages, home equity lines of credit, home equity loans, and mortgage refinancing

We researched the reviews (see references below) on Trust Pilot and Consumer Affairs and found over 7,000 reviews. The two main issues from borrowers were:

    1. Continued phone calls from lenders after you have completed the process. Lending Tree responded to these complaints with the following:

      Thank you for bringing this to our attention. If you are still receiving unwanted calls please email us at LendingTreeSocial@LendingTree.com and we can add you to our DNC list. Also, if you are able to tell us names or company names of those who were rude that would be helpful.

  1. The lenders complete a hard inquiry on your credit score.  We have researched the damage hard inquiries have on your credit score when you are searching for the best deal for items like mortgage products or auto loans. 

    We found this information on hard inquiries with the Fair Isaac Corporation MyFICO: Credit Education:

Does the Credit Score formula treat all credit inquiries the same?

MyFICO response: No. Research has indicated that FICO Scores are more predictive when they treat loans that commonly involve rate-shopping, such as mortgage, auto, and student loans, in a different way. For these types of loans, FICO Scores ignore inquiries made in the 30 days before scoring. So, if you find a loan within 30 days, the inquiries won't affect your scores while you're rate shopping. Also, FICO Scores look on your credit report for rate-shopping inquiries older than 30 days. If your FICO Scores find some, your scores will consider inquiries that fall in a typical shopping period as just one inquiry. For FICO Scores calculated from older versions of the scoring formula, this shopping period is any 14-day span. For FICO Scores calculated from the newest versions of the scoring formula, this shopping period is any 45-day span.  

The full article from MyFICO is attached in references below.


Customer Service 1-800-813-4620


  • 8 a:m: - 9 p:m: EST


  • 8 a:m: - 8 p:m: EST


  • 10 a:m: - 7 p:m: EST


LendingTree, LLC

11115 Rushmore Drive

Charlotte, NC


  1. Effect of a Hard Inquiry on your Credit Score MyFICO - Effect of a Hard Inquiry on your Credit Score MyFICO acquired July 2018
  2. TrustPilot LendingTree Review - https://www.trustpilot.com/review/www.lendingtree.com?page=297 acquired July 2018
  3. Consumer Affairs Lending Tree Review - Consumer Affairs Lending Tree Review Acquired July 2018