Mortgage Refinance review

LendingTree review

Name: LendingTree review
Item: LendingTree
Rating: 8.1
Author: ChoosyOwl

Best for comparing many lenders

Online loan marketplace for comparing refinance offers from multiple lenders. Homeowners who want to see many refinance offers quickly and are comfortable being contacted by multiple lenders. We rank it #7 of 8 in our mortgage refinance comparison, with an editorial score of 8.1 out of 10.

Updated November 14, 2026By the ChoosyOwl editorial teamHow we rank

8.1/10

Our editorial score

LendingTree scores well on Refinance product range because its marketplace lets you compare rate-and-term, cash-out and other refinance offers from many lenders, and on Quote experience because its refinance page says seeing rates has no impact to your credit score. It scores lower on Support and servicing because it is a lead generator and broker, not a lender, and sharing your details can mean contact from several lenders.

How we score mortgage refinance

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Mortgage disclosure.

We are not a lender, a mortgage broker or a loan officer, and we do not make credit decisions or take loan applications. Rates, APRs, points, fees and loan terms are set by each lender and depend on your credit profile, income, home equity, loan amount, property type and state. Not every product is available in every state, and approval is never guaranteed.

Many lenders and comparison services let you see a rate quote or estimate with a soft credit inquiry, which does not affect your credit score. Submitting a full mortgage application typically triggers a hard credit inquiry, which may affect your credit score. Check each lender's disclosure to see which kind of inquiry it uses at each step.

Refinancing has closing costs, which can include origination charges, points, appraisal, title and recording fees. Some lenders let you roll costs into the loan or take a higher rate in exchange for lender credits, which means you pay them over time instead of upfront. Refinancing may increase the total finance charges you pay over the life of the loan. Compare the APR and the closing costs on each Loan Estimate, not just the interest rate.

Mortgage lenders and brokers must be licensed and are listed in the Nationwide Multistate Licensing System (NMLS). You can look up any company's NMLS ID and state licenses at nmlsconsumeraccess.org before you apply.

A mortgage, home equity loan or home equity line of credit is secured by your home. If you do not make the payments, you could lose your home to foreclosure.

Quick facts

Our rank#7 of 8

Best forBest for comparing many lenders

Company typeMarketplace (not a lender)

Refinance optionsCompare rate-and-term, cash-out and home equity offers

Rate quoteNo impact to your credit score to see rates (per site)

Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the LendingTree site. See the LendingTree company profile in our brand directory.

Overview

LendingTree is an online loan marketplace, not a lender. You enter details about your home and current loan, and LendingTree shows refinance offers from lenders in its network so you can compare rates and terms side by side. Its refinance page says you can compare rates with no impact to your credit score; the lender you choose will typically run a hard credit check when you apply.

LendingTree describes itself as a marketing lead generator and licensed mortgage broker. Because your information is shared with lenders in its network, expect to hear from more than one lender, and compare each Loan Estimate carefully. It also offers comparison tools for home equity loans, personal loans and other products.

LendingTree, LLC lists NMLS #1136 and a main office in Charlotte, North Carolina.

Pros and cons

Pros

See several lenders' offers from one form
No credit impact to compare rates
Wide lender network across most states

Cons

Not a lender, so it does not underwrite or service loans
Sharing your details may bring calls and emails from several lenders
Offers depend on which lenders are matched to you

Key features

Compare refinance offers from multiple lenders
Seeing rates has no impact to your credit score (per site)
Rate-and-term and cash-out refinance comparisons
Also compares home equity loans
Educational refinance guides and calculators

Who LendingTree is for

A good fit if

Homeowners who want to see many refinance offers quickly and are comfortable being contacted by multiple lenders.

Look elsewhere if

Anyone who wants to deal with only one company and avoid follow-up contact.

How we scored LendingTree

Our mortgage refinance score weighs refinance product range (25%), rate and cost transparency (25%), quote experience (20%), licensing and disclosure clarity (15%), support and servicing (15%). See the methodology.

LendingTree alternatives

#1
Rocket Mortgage
Best overall
Large online mortgage lender with published sample refinance rates, VA IRRRL and cash-out options.
- Rate-and-term and cash-out refinances
- VA streamline (IRRRL) and VA cash-out refinances
- FHA and jumbo refinance options
- Refinance estimate the site says has zero credit impact
9.2/10
Editorial score
Visit site (Rocket Mortgage, opens in a new tab) Read review Compare
#2
Better Mortgage
Best online experience
Online-first lender with a no-credit-impact refinance quote and published rate pages.
- Personalized refinance quote online with no credit impact (per site)
- Rate-and-term and cash-out refinances
- VA loans and home equity options
- Published refinance and cash-out rate pages
8.9/10
Editorial score
Visit site (Better Mortgage, opens in a new tab) Read review Compare
#3
New American Funding
Best for loan variety
Direct lender with FHA streamline, VA IRRRL, cash-out and non-QM options.
- FHA streamline refinance
- VA IRRRL and VA cash-out refinance
- Cash-out refinance and HELOC
- Non-QM and reverse mortgage options
8.8/10
Editorial score
Visit site (New American Funding, opens in a new tab) Read review Compare

Head-to-head

Own Up vs LendingTree

See all 8 mortgage refinance lenders compared

LendingTree FAQ

Is LendingTree a lender?

No. LendingTree says it is not a lender. It describes itself as a marketing lead generator and licensed mortgage broker that connects you with lenders in its network.

Does comparing refinance rates on LendingTree hurt my credit?

LendingTree's refinance page says there is no impact to your credit score to see rates. When you apply with a specific lender, that lender typically runs a hard inquiry.

Will several lenders contact me?

Possibly. LendingTree shares your request with lenders in its network, so you may hear from more than one. Compare Loan Estimates before you choose.

Sources and fact check

We checked the facts on this page against LendingTree's own website on November 14, 2026.