LendingTree Review

A lead marketplace, not a lender: your application is sold to a network and the calls follow. Independent LendingTree review: 3.5/5 for purchase mortgage.

About LendingTree

A lead marketplace, not a lender: your application is sold to a network and the calls follow. LendingTree is offered by LendingTree, LLC (NMLS #1136) and currently holds an average rating of 3.5 out of 5 across 14,440 user reviews. It falls into the Purchase Mortgage category and tends to be the strongest fit for borrowers with an unusual file who want breadth, and do not mind the calls.

Editorial grade: B (composite score 74/100).

Highlights

LendingTree does not lend or service. It sells your enquiry to lenders in its network
No CFPB complaint record under its own name, because complaints attach to whichever lender writes the loan
Licensed under NMLS #1136 as a broker, which is a real licence — it is the business model, not the licensing, that this grade is about
Trustpilot 4.3/5 across 14,440 reviews (as stated in the advertiser's own feed)

What we like

Genuinely wide network, so a thin or unusual file may find an offer here that a single lender declines
Comparing several offers at once is the single most reliable way to cut a mortgage cost
No fee to the borrower

Where it falls short

Submitting once means being contacted by multiple lenders, often by phone, often for a long time
The clean CFPB record is a structural artefact: complaints land on the lender, not the marketplace, so it is not evidence of good outcomes
You still have to evaluate whichever lender you are matched with — the work is moved, not removed

Fees, minimums, and rates

Monthly fee: No fee to the borrower; lenders pay for leads. Minimum to open: Not stated. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.

How we reviewed it

For this review of LendingTree, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Purchase Mortgage shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.