LendingTree Review

ByChris MullerFeb. 09, 2021

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In a Nutshell

LendingTree is a loan marketplace where you can shop for a mortgage quickly and easily. After filling out a short application, LendingTree will find mortgage lenders that match your personal needs, financial situation, and where you live. There’s no cost or obligation to use LendingTree.


  • No cost and no obligation
  • A variety of lenders to choose from
  • Financial resources available


  • Not a direct lender
  • Rates and terms vary based on the lender

LendingTree at a Glance

Direct lender or marketplace?Marketplace
Loan typesNew mortgages, refinance loans, home equity, reverse mortgages
Loan amountVaries
Repayment termsVaries
Suitable forComparison shopping

LendingTree LendingTree Visit LendingTree


LendingTree is a loan marketplace that allows you to find a mortgage quickly and easily. Once you sign up for an account at LendingTree, you’ll have access to their entire dashboard, which includes a full credit score analysis chart, recommendations for products that might help you with your finances, and loan comparison shopping. 

If you’re looking to get a new mortgage or to refinance an existing one, LendingTree will take an initial application from you and source several different loan providers so you can compare the options that work for you. 

Suitable For?

LendingTree is suitable for people who want to compare loans for their home. Since applying for mortgages is cumbersome (and requires a hard pull on your credit), it’s usually advisable to get as many quotes as possible in a short window of time. 

This way, your credit is less impacted and you can make a more informed decision on which mortgage loan is right for you. LendingTree makes this process simple.

Types of Loans/Products

LendingTree has four total home loan products. You can get a traditional mortgage loan, refinance an existing home loan, get a home equity line of credit, or take out a reverse mortgage.

The rates and terms for each of these products are going to differ based on which one you choose and which lender you decide to go with. It’s recommended to get a quote from a specific lender to learn more.

The Application Process

With LendingTree, you just have to enter some basic information about the type of loan you want and how much you’re looking to borrow, as well as some personal information like your name, address, and Social Security Number (so LendingTree can verify your identity).

After that, they’ll present you with a variety of loan options (based on your creditworthiness and other factors) for you to choose from. When you find a loan that fits your needs, you can apply directly with that lender. 

Rates and Fee

LendingTree isa loan marketplace, not a direct lender. Because of that, rates and fees are going to be different with every lender you choose. Thankfully, LendingTree helps you sort through these details quickly when you’re selecting a loan. Contact one of the lenders you’re interested in directly to get more information.

Repayment Terms

Like the rates and fees, repayment terms will vary based on the type of loan you’re getting and which lender you choose. I can say that with LendingTree, you’ll have a lot of different options since you’ll have multiple lenders to choose from, so you should be able to find a repayment term that makes sense for your budget.

Help & Support

LendingTree directs its customers to the FAQ page, but if your question isn’t answered on that page, you can contact their Customer Care Department at 1-(888)-272-1355.


What if you don’t get matched with a lender?

If LendingTree can't locate a lender who matches your requirements, they'll notify you immediately. If they can not match your loan request to a lender, you can go back to their website and complete a new loan request any moment. LendingTree is always adding new lenders to their network.

Are you obligated to accept an offer?

You're under no obligation to accept a loan offer that's presented to you. However, should you accept a loan offer, you may be obligated to pay a fee to the creditor (like LendingTree Loans or Home Loan Center) to begin the processing of your loan program should you decide to apply for financing with that lender.

How do you close the loan after you’ve accepted an offer?

Once you accept an offer, you'll have to communicate with the bank directly (via mail, email, or telephone ) to complete the loan process. You'll have to validate the information you provided through LendingTree's website through W-2 forms, pay stubs, home appraisals, etc. You'll also have to sign the official application forms from the bank and schedule a closing date.

Can you change the information you submitted on a loan request?

Generally, you'll need to finish another loan request with the updated info. You can either do this online or by calling LendingTree Customer Care at 1-(888)-272-1355 where they could pre-fill much of your data using your primary loan request when you identify yourself.


11115 Rushmore Dr,

 Charlotte, NC 28277

LendingTree LendingTree Visit LendingTree


LendingTree is worth visiting if you’re looking for a home loan and want to compare rates and fees across lenders seamlessly.


This review was written after doing research from the LendingTree website, various customer reviews, and other reviews of LendingTree online.

LendingTree customer testimonials

ExcellentReviews 9,130
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  • author
    David Beaumont
    11 hours ago
    Lending Tree worked for me

    Lending Tree worked for me. I got a lower auto loan rate than I could have at the dealership. I thought they would be able to beat it, but they couldn't. The part where there was no lean on the vehicle was something the dealership hadn't seen before, but we got it figured out.


  • author
    a day ago
    This is not my first experience with…

    This is not my first experience with Lending Tree. Due to the many offers that get sent to me in the regular mail, and in emails, I wondered if Lending Tree would still be the best option for me. So, I looked around, but could never decide. Before I make a decision on anything involving money, I always read the reviews, recent ones first; a few good ones (5 star) and most of the bad ones (1 star). No matter which "opportunity" I researched, no one could come up to Lending Tree. Their offers are just exactly what they put into print. Fees are shown upfront. Interest rates and APRs are all laid out. Everything is there to help you make an informed decision. Not only that but once approved, the money is sent out very quickly. I managed to refinance a relatively large credit card debt, paying very close to what I was currently paying to the credit card company (which was the monthly minimum)...And, my loan will be PAID OFF in 60 months, not the 73 YEARS reported by credit card company. Bottom line, Lending Tree is the best at helping you when you really need it. Thank you.


  • author
    Darren Stevenson
    a day ago
    D review

    Not bad at all


  • author
    Jason Hubbs
    a day ago
    Amerisave is terrible

    Amerisave is terrible. I was told 45 days maximum close. Expect at least 60 to 90. Great communication until closing. No response to multiple emails and phone calls. Waited 5 days past due on my mortgage before acknowledgement that we closed. Had to contact everyone possible to get any response. Would never recommend and I will refinance again so they never earn the interest from me. Huge waste of time and terrible employees. Avoid at all costs.


  • author
    Steve Swift
    2 days ago
    Very easy process and so many offers…

    Very easy process and so many offers when my own bank declined to give us a loan. Made it easy to consolidate debt. Much appreciation!