LendingTree Mortgage Marketplace in 2025: Compare Lenders and Rates Without Affecting Credit Score

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Mortgage

• Easily compare different lenders
• Competitive rates and wide selection of lenders
• Initial check won’t impact your credit

• No guarantee of offer quality
• Complaints about excessive communication from lenders

Rates (APR)	7.33% average for 30-year, 6.58% average for 15-year
Repayment terms	15 or 30 years typical; varies by lender
Min. credit score	620 for conventional; 500 for FHA
Min. down payment	0% – 3%, depends on lender and loan

Mortgage refinanceView Rates

Rates (APR)	7.35% for 30-year and 6.78% for 15-year (fixed)
Min. credit score	620
Max. DTI	45% – 50%
Property type	Depends on lender: Single-family, multi-family, condos, and (with some providers) mobile homes

LendingTree is a user-friendly mortgage and refinance marketplace that helps borrowers source loan offers from different lenders. The platform currently works with more than 500 vetted lenders, including big names like Rocket Mortgage, Zillow HomeLoans, and AmeriSave.

LendingTree mortgage customer reviews praise the platform for its convenience, transparency, and wide selection of mortgage products. You’ll probably find LendingTree useful if you need to run a quick lender comparison that won’t hurt your credit score. However, if you have a specific mortgage lender in mind, you may want to contact it directly.

Table of Contents

1. What types of mortgages does LendingTree offer? 
2. LendingTree mortgage rates and terms 
3. LendingTree mortgage refinance rates and terms 
4. How do you get a mortgage or refinance from LendingTree? 
5. FAQ

What types of mortgages does LendingTree offer? 

The loan providers who partner with LendingTree offer many mortgage options, such as:

• 30-year fixed rate 
• 15-year fixed rate
• 5/1 adjustable-rate mortgages (ARM)
• VA loans
• USDA mortgages
• Second mortgages
• Jumbo mortgages

LendingTree is one of the most extensive mortgage marketplaces today. Thanks to its wide lender pool, you can review diverse loan offers quickly and easily. 

On the other hand, some users complain about being flooded with calls and emails from different lenders after submitting their information through LendingTree. People may find this type of aggressive marketing intrusive and overwhelming. 

LendingTree mortgage rates and terms 

LendingTree is essentially a mortgage lead generator. It’s like a hotel aggregator website, but for home loans. You start by providing basic details, like the price of the house you plan to buy, your annual income, and your credit score. 

LendingTree submits this information to lenders that will then contact you if it seems like you fit their eligible borrower profile. You can easily compare the different proposals and move forward with the lender with the best loan terms.

You’ll find pretty much any type of mortgage in this vast marketplace. The interest rates and loan terms depend on the individual lender and on factors like your credit score, ability to repay the loan, debt-to-income (DTI) ratio, and any available collateral.

As a platform where lenders compete for clients, LendingTree can help you source a mortgage with more favorable terms than you’d find if you searched for specific lenders on your own. Ensure you look at the interest rate, additional fees, and how monthly payments fit into your budget. As of January 2025, here are the rates and terms you might find while shopping for a mortgage on LendingTree.

Term	Detail
Rates	7.33% for purchase loans, 7.35% for refinance loans(for a 30-year mortgage)
Loan amounts	Varies by lender and state
Repayment period	Usually 15 or 30 years
Fees	Approximately 2% – 6% of the loan amount

Eligibility requirements 

When considering your application, LendingTree lenders will look at your credit score, income, employment history, and other important financial data. Cosigners and the down payment you can provide will likewise influence your ability to qualify for a mortgage.

Every lender in the LendingTree database has different eligibility requirements, but for conventional mortgages, lenders typically prefer borrowers with a credit score of at least 620, stable income, and DTI no higher than 43%.

As a borrower, you can save a lot of time and effort by using LendingTree. The marketplace does the legwork for you by matching you with the lenders likeliest to suit your financial goals. With LendingTree, you can easily compare interest rates, fees, APR, down payment requirements, and other important mortgage factors. 

LendingTree simplifies mortgage prequalification since you can simultaneously prequalify with several lenders. It’s an important step that helps you determine how much you can borrow. Prequalification involves a soft credit check, which doesn’t affect your credit score. 

Eligibility requirement	Details
Min. credit score	620 for conventional, 500 for FHA
Min. income	None, but must show consistent income and ability to repay
Max. LTV	Approx. 97% for conventional and FHA loans
Down payment	3% – 20% of the purchase amount, depending on loan type
DTI ratio	50% or lower

LendingTree mortgage refinance rates and terms 

You can also tap into LendingTree’s lender network if you’re looking to refinance your mortgage. Just like with purchase home loans, LendingTree helps you find competitive refinance offers by screening interest rates, loan terms, and fees. 

You’ll need to provide financial details like your current mortgage balance and interest rate, property value, income, and credit score. LendingTree will narrow down the search based on your financial goals (e.g., lowering monthly mortgage payments or paying off your loan sooner). 

Currently, the average mortgage refinancing rates are 7.35% and 6.78% for 30 and 15-year fixed loans, respectively. As a homeowner, you can usually refinance your mortgage on better terms if your financial situation and credit score have improved significantly since you took your original home loan. 

When you search for a mortgage refinance on LendEDU, you’ll likely find:

Term	Detail
Rates	6.25% (15-year), 8.25% (30-year)
Loan amounts	Varies by state, national average was $295,492 in September 2024
Repayment period	Usually 15 or 30 years, some lenders may also offer other options
Fees	2% – 6% of the loan amount

Eligibility requirements 

Mortgage refinance providers favor borrowers with good credit scores, consistent income, and a history of steady mortgage payments. Conventional refinance loans usually require equity of at least 3%. FHA, VA, and USDA loans may have lower equity demands.

Most refinance lenders will only consider borrowers who have kept up with their monthly mortgage payments for the previous year. Eligibility criteria are stricter for cash-out refinance (borrowing against home equity) than rate-and-term refinance (refinancing to improve loan terms or reduce the interest rate). 

LendingTree is just as useful for refinancing as it is for home loans. It helps you access fast, personalized offers from multiple reputable lenders to choose the best mortgage refinance plan for your needs. The quick prequalification process gives you an estimate of the loan size for which you’re likely eligible.

Requirement	Details
Min. credit score	620 for conventional, 500 for FHA cash-out refinance
Min. income	None, but must prove steady income
Max. LTV	97% for conventional, 80% for cash-out refinance
Max. DTI	45% – 50% for conventional loans, 43% for FHA loans
Property appraisal	Usually required

How does LendingTree compare to alternatives? 

Although LendingTree is one of the biggest and most popular mortgage marketplaces, you might want to check out alternatives. 

One option is Zillow Group Marketplace. While Zillow is best known as a real estate search platform, it also helps potential homebuyers to connect with mortgage brokers and lenders. In addition, it has a direct lending option known as Zillow HomeLoans.

Zillow offers an easy-to-use lender search platform, but it centers more on its products and is thus less competitive as a loan marketplace. However, it boasts handy real estate tools you won’t find on LendingTree. Zillow can be a solid option to streamline your home-buying process as much as possible.

Credible is another handy marketplace that lets you compare lenders and rates. It’s a highly rated platform with convenient financial tools and a transparent prequalification process. 

Credible carefully curates your personal data to ensure you won’t drown in unsolicited calls from lenders, which may make it less overwhelming than LendingTree. Still, LendingTree gains the upper hand thanks to its larger lender network and diverse loan options.  

How do you get a mortgage or refinance from LendingTree? 

Sourcing mortgage offers through LendingTree is simple, and submitting your initial application only takes a few minutes. You’ll need to answer some platform-guided questions and enter information like your personal details, credit score range, income, and employment status. 

For example, if you plan to apply for a home loan, LendingTree will ask whether you’ve already zeroed in on a specific property:

… and how big your down payment is going to be:

Then you’ll proceed to:

• If applying for a mortgage: Provide details about the property you’re planning to purchase, namely its location, property type (e.g., single-family home or condo), and estimated value
• If applying for a refinance: Disclose your current home loan balance, interest rate, and your home’s estimated value and equity, and specify the intended purpose of refinancing (rate-and-term or cash-out)
• Compare loan offers based on interest rates, repayment terms, fees, closing costs, prepayment penalties, and the lender’s reviews 
• Choose the best fit and proceed with that specific lender’s loan application process

Once you start working with an individual lender, you’ll need to provide additional documentation, like bank statements, pay stubs, and tax returns. The lender will process your application, a step that requires a credit check and often property appraisal. Keep in mind that a hard credit check will likely knock your credit score down by a few points. 

If all goes well, the lender will approve you, and you’ll finalize your loan agreement. 

LendingTree mortgage customer reviews 

LendingTree is a popular and highly rated mortgage marketplace. Borrowers who use LendingTree praise the platform for its simplicity, speed, and ease of access to trusted lenders. It can eliminate a lot of guesswork as to whether or not you’re getting a mortgage on favorable terms.

For example, Donna writes in a review dating from November 21, 2024: “We could not be more pleased with the Lending Tree experience. Our loan was funded within 3 days of application!”

However, some customers point out problems with using LendingTree, namely aggressive marketing from too many lenders. In a review from December 11, 2024, Robert complains of “instant endless harassment”. He claims his phone and inbox were “bombarded with calls, texts, and emails from numerous lenders, including legitimate ones and scammers.”

Overall, LendingTree has an excellent rating on TrustPilot. It has low customer reviews on BBB but an A+ rating from the bureau itself. Nevertheless, the many comments about unsolicited calls and email may put some people off using LendingTree despite the many advantages this platform offers. We believe LendingTree should pay attention to this and start taking additional steps to protect its users’ privacy. 

Platform	Rating	Number of reviews
Trustpilot	4.3/5	14,166
BBB	1/5	110

You can reduce the amount of unwanted communication from lenders if you don’t disclose your phone number during the initial application. You could also set up a designated email and phone number for the lender screening process to divert any spam from your personal or business accounts. 

FAQ

Does LendingTree hurt your credit?

LendingTree itself does not hurt your credit when you use its platform to compare loan offers. However, when you apply for a mortgage with one of its partner lenders, the lender will likely perform a hard credit inquiry, which can lower your credit score by a few points.

Which credit score does LendingTree use?

LendingTree’s partner lenders may use different credit scoring models, but the most common is the FICO score. Some lenders may also consider VantageScore or their proprietary scoring methods.

How many home equity partners does LendingTree have?

LendingTree collaborates with a vast network of over 500 vetted lending partners to provide mortgages and refinancing. While the specific partners may vary based on your location and individual financial profile, its partners include loanDepot and Rocket Mortgage.

The availability of these lenders may depend on your specific circumstances. We recommend using LendingTree’s platform to receive personalized offers from multiple lenders, allowing you to compare rates and terms to find the best fit for your needs.