LendingTree Review

Executive Summary

LendingTree is an online loan marketplace which can connect you to a broad network of lenders. Their website is easy to navigate, and their credit score function is top-notch. When you qualify for a loan, you can see the offer immediately and view additional details to help you make a decision. You do have to enter a Social Security number in order to view loan offers, and average rates are not available on the site, so there is definitely some room for improvement.

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LendingTree Highlights

  • Credit score page is loaded with helpful information
  • Fill out one form and information is sent to multiple lenders
  • Connect to a network of over 350 lenders, creditors and banks


  • Learn what your credit score means and what you can do with it
  • Simple, easy-to-understand interface with large text and buttons
  • No fees are required to shop for a mortgage loan
  • Get a loan offer from a lender within minutes when you qualify
  • Easily access additional details about a loan offer


  • Rates are only shown after you enter your Social Security number
  • There may not be available loan offers for your parameters
  • A new loan request is required if you want to change any details
  • Many lenders quote high monthly payments


Though the monthly payments will depend on your specific criteria, you will find the APRs are very reasonable. Our lowest quoted APRs (using the aforementioned parameters) were only 3.50% for a 15-year fixed mortgage and 4.00%  for a 30-year fixed mortgage. Your own results will depend on your credit score and other factors, but LendingTree is definitely one of the more competitive providers we’ve seen when it comes to APR offers.

Interest Rate

The low interest rates are yet another win for LendingTree. We discovered 15-year fixed rates as low as 3.50%. Of course there are plenty of higher rates offered as well, but if you remain diligent and carefully weigh your options, you should be able to find a rate that’s to your advantage.

Loan Term

Since LendingTree's network consists of more than 350 partners, there are a wealth of fixed and adjustable terms available. The most common offers you can expect to find are for 15-year fixed, 30-year fixed, 5/1 ARM and 30-year 5/1 ARM. Best of all, you can easily compare the different terms to see how they would impact your monthly rate, lifetime investment, and other factors.

Loan Features

LendingTree does not charge a fee for connecting users with their network of partners, so you will never have to worry about hidden fees for this service. The company also offers free credit scoring, which can be invaluable as you determine your loan options.


The credit score page is one of the crowning achievements of LendingTree. You can view your number rating and standing, observe the accounts that have impacted your credit, and even access available credit card offers. Unfortunately, the number of available loan offers is surprisingly limited for a lender network of this size, even if the available offers did have some of the best APRs and interest rates we’ve seen. If you want to learn more about your credit score and start browsing lenders in an intuitive, user-friendly fashion, LendingTree is a respectable choice.


LendingTree is definitely one of the more competitive providers we’ve seen when it comes to APR offers.

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Physical Address

LendingTree, LLC

11115 Rushmore Drive

Charlotte, NC 28277


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