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.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 9, 2026.

Our verdict

Borrowers with an unusual file get breadth here, since a wide network may turn up an offer a single lender would decline, at no fee to you. The price is the phone: one submission brings calls from multiple lenders, often for a long time. Its clean CFPB record is structural, because complaints land on the lender, so vet whichever one you're matched with.

Skip it if you don't want calls from multiple lenders, or your file is simple enough for one lender to handle.

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). Our editorial rating is 3.5 out of 5.

Best 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 license. It is the business model, not the licensing, that this grade is about
Trustpilot 4.3/5 across 14,440 reviews (as the company states it)

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 fees last checked on September 9, 2026.

How we reviewed it

This is a desk review: we have not opened an account with LendingTree, LLC (NMLS #1136). It is built from LendingTree, LLC (NMLS #1136)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Purchase Mortgage shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.