LendingTree Review

Sarah Badani

In a Nutshell

LendingTree offers everything you could want in your mortgage search; a range of credit options, various loan types and good service


  • Check your credit score and how it affects your loan offers
  • One form and information is sent to multiple lenders
  • Get loan offers within minutes


  • High number of phone calls and emails
  • Dealing with a lot of lenders vying for your business
  • Rates only shown after entering your Social Security number

Visit Site

LendingTree at a Glance

Loan Types

Purchase, refinance, home equity, reverse

Featured Loans

FHA, USDA, VA, jumbo, conventional

Repayment Terms   

10-,15-, 20-, 30- years fixed-rate, 5/1, 7/1 ARM

Down Payment

0%-20% minimums based on loan type

Credit Score


Best For

HELOC with low closing costs

Direct Lender or Marketplace 


LendingTree is an online marketplace connecting borrowers to a broad network of lenders, and has aided over 55 million loan requests since it was founded in 1998. Its website is easy to navigate, and its credit score function is top notch. When you qualify for a loan, you can see the offer immediately and view additional details to help you make a decision. You must enter a Social Security number to view loan offers, and the average rates are not available on the site, which may not be ideal for every potential borrower.

Who Is LendingTree Best for?

LendingTree offers consumers several offers from multiple lenders for:

  • Busy borrowers who want to see several loan options at a glance
  • Borrowers with poor credit or unconventional income looking for flexible lenders
  • HELOC, where you are paid out as needed from your home equity

Since there are hundreds of lenders competing for your business, LendingTree is able to provide a custom-tailored selection of offers to choose from based on your specific criteria. In addition, LendingTree lets you compare different loan terms side by side in order to find the best monthly rate.

LendingTree Highlights:

  • No user fee
  • Free credit scoring
  • One form sent to many lenders
  • Network of over 350 lenders
  • Easy-to-use website
  • Possible loan offer within minutes
  • Easy to find offer details

The Application Process

The entire application process should take approximately 10 minutes. Go to LendingTree’s home page, select the type of loan you want, and complete an online request. If you need help, look for the calculators, a home valuation tool, and tips to help you along the way. You can also contact LendingTree Customer Care by phone with questions.

Knowing your credit score is the first step in securing a loan. LendingTree allows you to check your credit score for free and tells you how it will affect your ability to secure a loan. As a loan broker, LendingTree is a viable option for borrowers with a vast array of credit scores. Since the company is partnered with all types of lenders, you may have a better chance of finding one that works with individuals that have bad, or even limited, credit.

LendingTree Review

Types of Loans

  • Fixed-rate mortgages
  • Adjustable-rate mortgages
  • Reverse mortgages
  • Home equity loans and HELOC
  • Jumbo loans
  • FHA loans
  • VA loans
  • HARP loans

Within minutes of submitting an application, you'll receive loan offers from several different lenders. If you're not exactly sure where your credit stands or what kind of offers to expect, this will help you wade through lots of options and get an idea of what loan terms you could be receiving. Once you understand how LendingTree works, you can evaluate the quotes you'll receive  in the My LendingTree portal to find the best offer for you.

Pros and Cons

Some users complain about the large number of phone calls and emails they've received from lenders almost immediately after filling out the form. Because LendingTree passes your information to lenders, there's no real way to limit this contact. You are agreeing to it when you decide to apply for a mortgage loan.

If you do not want to deal with many lenders vying for your business, a broker like LendingTree might not be a great choice for you. Although LendingTree allows you to compare multiple offers at one time, this may be overwhelming for some.

Rates and Terms —The Bare Basics

Hundreds of lenders competing for your business allows you to choose your terms, based on specific criteria. You decide the amount you want to put down, an APR, and repayment term, and LendingTree sends you offers. 

Terms are not set by LendingTree, but by individual lenders based on your criteria.

Repayment Terms

Since LendingTree’s network consists of more than 350 partners, there are a wealth of fixed and adjustable terms available. The most common offers you can expect to find are for:

  • 15-year fixed
  • 30-year fixed
  • 5/1 ARM
  • 30-year 5/1 ARM

You can compare the different terms to see how they would impact your monthly rate, lifetime investment, and other factors.

Help & Support

LendingTree offers calculators and tips to help you through the application process. You can also contact LendingTree Customer Care at 1-888-555-8733 with questions.

LendingTree FAQ

Q: Where can I find my loan offers? 

A: As part of your quote retrieval, you'll be signed up for LendingTree's My LendingTree portal. In the online portal, you'll find individual lenders loan offers there, often in only minutes. As the quotes are added to your account, you'll receive a notification. 

Q: What are LendingTree's closing costs?

A: LendingTree does not charge you any fees. Every lender sets its own fee structure regarding closing costs and the final fees are determined between you and your finalized lenders. 

Q: Can I email, mail or fax in my LendingTree application? 

A: LendingTree does not accept any applications outside of it's online form or phone line. This reduces the possibility of errors and unnecessary costs and delays. 

Q: What if I have bad credit? 

A: Bad credit is not an obstacle to owning a home with LendingTree. Because it has a range of lenders, borrowers with poor credit will be matched with loan providers who are happy to consider your application. 


If you want to learn more about your credit score and start browsing lenders in an intuitive, user-friendly fashion, LendingTree is a respectable choice. While the number of available loan offers is surprisingly limited for a lender network of this size, they come with very competitive APR and interest rates

Visit Site

Physical Address

LendingTree, LLC

11115 Rushmore Drive

Charlotte, NC 28277


Sarah Badani has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding to her writing along with her own flavor to spice up each topic in a unique and inviting way.

LendingTree customer reviews

Based on 161 reviews

Ease of use

Brand satisfaction

Value for money

Service quality

Write review

Adjust category ratings

Ease of use

Ease of use

Brand satisfaction

Value for money

Service quality

Brand satisfaction

Ease of use

Brand satisfaction

Value for money

Service quality

Value for money

Ease of use

Brand satisfaction

Value for money

Service quality

Service quality

Ease of use

Brand satisfaction

Value for money

Service quality

Share your experience

People discuss, price, satisfaction level and more.

Write your review

23 Jan 2021

Almost done!

Check that everything's correct, fill in your details, and submit your review!


Ease of use

Brand satisfaction

Value for money

Service quality


Your review will be screened by our team
Thanks, we love getting your feedback

Top Reviews

Connie, FL
a year ago

Ease of use

Brand satisfaction

Value for money

Service quality

Application process was very easy and funds were available promptly. Repayment has been effortless

Carolyn, SC
a year ago

Because they are very understanding of your problems with debt and they helped me lower my debt significantly

Craig, MN
a year ago

Only took several days to get approved and then the money was transferred too my bank account.

Gilbert, TX
a year ago

I am completely satisfied with their services because they made it easy they have great customer services and they listen

Lillie, AL
a year ago

I was treated like family and that's what means the most. Customer service is the face of a company.

Sara, MN
a year ago

Lending tree has given me two loans that were easy to open an application. The interest rate was good.

Ron, OH
a year ago

They simply have the best rates and customer service, they are easy to use and you get the most value for your money. They have been around a long time and have the experience to help you get out of debt.

Brooke, OK
a year ago

The email subscription is great with tips and potential for new loans, credit repairs, etc.

Shon, NM
a year ago

No it was great they were very responsive and found me the loan I need in less than a day it was great

a year ago

Very easy to do business with. Funded the loan very quickly. No unnecessary paperwork to submit.

Gianna, PA
a year ago

I found it very easy to apply for the loan. The repayments were set up to automatically withdraw from my bank account , I did everything online.

a year ago

Good company and services. Easy to use and navigate their website and they have good options to choose from.

Cryssie, NC
a year ago

I will never use any other mortgage service other than LendingTree. I have had such an awesome experience with them and my family is preparing to buy a new home and we are absolutely looking forward to using LendingTree again!

a year ago

Easy to use quick and efficient in getting your information and giving you an answer. You can go through a easy process when obtaining a loan.

Anna, MO
a year ago

They were very upfront and easy to work with. The answered all questions and took time to explain everything in detail. They provide weekly updates and suggestions for my account.

John, PA
a year ago

I took out a loan for some dental work and am satisfied with my interaction with Lending Tree.

Mike, CA
a year ago

When you're in the business of looking for a loan, this is the company to do business with. They truly care about your needs and have a product that fits your needs.

Natasha, TX
a year ago

The service is easy and I haven't had any problems with the company. The loan process is fact and efficient.

Maria, LA
a year ago

Lending Tree searches to get me the best rate and best monthly payments. Customer service was extremely easy to work with to get the tight loan for us.

NeNe, FL
a year ago

Lending Tree is very doable. They work very hard to ensure there clients get the loan and money they deserve. I think the credit score to be approved should be lowered to accommodate widows that are having a difficult time.