Founded in 1996, LendingTree seeks to empower consumers by providing a list of lenders to easily compare offers. The company provides lending services for mortgages, auto loans, business loans, personal loans, and more. LendingTree offers nationwide coverage so you can use the company as your lending marketplace regardless of your state of residence. To access a list of lenders, consumers need to fill out a form before receiving personalized rates and terms. 

The Good

  • Multiple Loan Offers
  • Educational Resources
  • Competitive Rates

Multiple Loan Offers

LendingTree allows customers to view multiple home loan offers simultaneously (from outside lenders, as LendingTree does not offer loans). The company displays interest rates and APRs from many of the top mortgage lenders in the country. LendingTree provides free and easy comparisons entirely online and is available to consumers in all 50 states.

Additionally, Lending Tree provides customers with a wide selection of lender options. The company itself is not a lender, but instead directly connects consumers to potential lenders. Lending Tree provides a list of FHA, VA, and conventional home loan lenders, as well as home refinance, home equity, and reverse mortgage loan lenders. Mortgage rates are available in 30-year fixed, 15-year fixed, or 5/1 ARM (a hybrid adjustable-rate mortgage) formats. The variety of options allows customers to find the loan that best fits their needs.

Educational Resources

LendingTree offers a wide selection of educational resources on its website, which is useful for customers who are new to home loans. The company provides tools for checking your home's value, deciding between renting and buying, and several interactive financial calculators. In addition, you can find a glossary of common mortgage terms on its website, as well as mortgage news and articles.

Competitive Rates

LendingTree displays rates from multiple lending companies. The company shows varying APR and interest rates for a variety of types of home loans. Many of these rates are competitive for the home loan industry. 


LendingTree has a clear and easy-to-use website. The company clearly explains important factors for home loans and outlines its lending platform. Note that for information such as specific rates, customers will need to fill out a form on LendingTree's website. 

The Bad

  • Personal Info Required

Personal Info Required

In order to access a list of mortgage lenders, prospective buyers must provide their city and state, loan amount, annual income, employment status, credit score, date of birth, bankruptcy and foreclosure history, and street address. All of this information is crucial for a lender to have in order to determine eligibility, interest rate, and beyond, but it would be helpful for users to be able to see a list of lenders before sharing their information. 

The Bottom Line

LendingTree is a good source to reference several different lenders before committing to one. After filling out an information form, the company displays mortgage rates from several different companies at once so the consumer can compare lenders all at once.

The one downside is that LendingTree requires personal information before giving access to its list of lenders. And where LendingTree is a lender comparison site rather than a direct lender, keep in mind that you'll want to verify fees and additional costs directly with each lender before going through with the mortgage. You can find LendingTree reviews from real consumers below. 

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August 29th, 2018 Saint George, UT

Lengthy application. They advertise bad credit, no credit they still will get us approved. That is not true. I was declined a few times. Then i kept getting phone calls / voice mail from Lending Tree saying i have been approved which is totally false.

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