How do I get started?
It’s simple. From the home page, select the loan type you want and complete our online loan request form. It takes about 15 minutes to complete the form. If you need help, look for our calculators and tips to help you along the way.
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What information do you collect?
We ask questions about you, your loan and your financial situation (income, assets and debts). You may want to gather your pay stub or last year's tax return before you start completing the forms. If you're refinancing your mortgage or looking for a home equity loan or line of credit, we need to know about the terms of your current mortgage, how much you owe and how much you want to borrow.
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How secure will my information be?
LendingTree uses the most secure technology available on the Internet to ensure that the data you send us remains absolutely confidential and secure.
Will you share or sell my information?
At LendingTree, your personal privacy and the security of your personal data are a primary concern of ours. LendingTree believes that you should be aware of who we are, the types of information we may collect on our web site, and what we do with your personal information. Our overall privacy policy is simple. Under no circumstances will LendingTree sell or share any personal information about you to or with any person or organization except to the Lenders in our network, our authorized agents, or as may be required by law or court order.
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What are your rates?
We get this question a lot. Here's why we don't post our rates: Because LendingTree is not a Lender and has no influence in the lending decision, we do not offer or list rates on our site. The rates are different for each Lender participating in our network. We know that many of you would like us to post our Lenders' rates so that you can quickly compare them to rates offered by other Lenders. LendingTree is designed to save you from this hassle. Instead of going from Lender to Lender to find the best rate, all you have to do is enter your information - and we'll try to give you up to four great rates to choose from. It's really that simple.
Can I phone, mail, email or fax in my request?
LendingTree is committed to sending your financial information to Lenders quickly and accurately. Using the phone, mail, email or fax would introduce the possibility of transcription errors, unnecessary delays and additional costs - which would reduce the benefits of using LendingTree! That is why we only accept loan requests through our online forms.
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Who are your Lenders?
The LendingTree Network includes many of the most respected Lenders in the United States. You probably know many of them. Those you may not be as familiar with may offer one or two loan types in a particular region of the country. Others only service borrowers who are looking for a loan through the Internet. One thing all of our Lenders have in common is that they're dedicated to providing the best service and competitive rates.
How can I learn more about the Lenders on the LendingTree Network?
The LendingTree Lender Scorecard is a valuable resource you can use to gain additional information about the Lenders that may be competing for your business. After our customers close their loans, we ask them to rank their Lenders in a variety of customer satisfaction categories. Five stars is the highest possible rating. We hope our Lender Scorecard helps you select the Lender that's right for you. We look forward to your feedback after you close your loan.
How many Lenders will bid for my business?
We work hard to send your loan request to four Lenders in The LendingTree Network. There are times, though, that we cannot match your request to four Lenders. However, our Lenders don't know how many Lenders you've been referred to. As a result, they operate under assumption that three other Lenders are reviewing your loan request at the same time they are. In order to get your business, they must make a competitive offer every time - no matter how many Lenders you've been sent to.
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Does each Lender pull my credit report?
Each Lender has their own policy about pulling your credit report. Some pull your report before they make you a loan offer, others pull your credit report after you have accepted their offer. In all cases, LendingTree pulls your credit report when you complete a loan request.
All inquiries for your credit report within a 14-day period will count as one inquiry if you are looking for a mortgage to purchase a home, a mortgage to refinance your home, a home equity loan or line of credit or an auto loan. If you are looking for a personal loan or credit card, however, each inquiry will be counted as a separate inquiry.
How will I find out which Lenders are reviewing my loan request?
We'll send you the names of the Lenders who are reviewing your loan request via email.
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Can I negotiate directly with the Lenders?
Absolutely. You are under no obligation to accept the Lenders' first offer. In fact, if you've received a better offer from another Lender, we give you the opportunity to tell the Lender about it through our web site. In most cases, when you receive your loan offers, we will provide you with contact information for each Lender. Feel free to contact the Lender directly to discuss different loan programs. However, if you accept a loan offer from a Lender in
The LendingTree Network>, be sure to send your response through LendingTree so that we can update our records.
Do you have Lenders who deal with less-than-perfect credit?
Yes! We have Lenders who work with borrowers with perfect credit and not-so-perfect credit. Although we can't guarantee that you'll get a loan offer, we will try to match your loan request with Lenders who are most eager to work with you.
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Does having a co-borrower improve my chances of finding a loan?
Including a co-borrower on your loan request may or may not affect your chances of finding a loan. Lenders will consider the credit reports, income, assets, debts and other information about both borrowers. Before you decide whether or not to include a co-borrower on your loan request, consider your combined financial picture.
What if I don't qualify for a loan?
If we can't find a Lender in our network who meets your needs, we will notify you almost immediately. If we can't match your loan request to a Lender, you may return to the site and complete a new loan request any time you want. (You must wait 72 hours before completing a new form.) We are always adding new Lenders to our network, so please continue to check back.
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How will I find out about my loan offers?
Within one business day, each Lender will post their decision about your loan request on our web site. When each Lender posts their decision, we will notify you via email. If your loan request was sent to four Lenders, you will receive four emails. Each email will tell you which Lender has responded. To find out the Lenders' responses, go back to our home page at www.lendingtree.com and click Check My Loan Status. If it's been one business day since you completed your loan request and you haven't received an email, you may still have an offer. Please go to our home page and check.
If I enter my email address incorrectly, how will I find out about my loan offers?
It is critical that you enter your email address correctly when completing a loan request. We use email to communicate with you when Lenders make a decision about your loan request. LendingTree is not responsible for any errors or delays in responding to a loan request caused by an incorrect email address provided by you or other technical problems beyond reasonable control. However, if it's been one business day since you completed your loan request and you haven't received an email, you may still have an offer. Please go to our home page and check.
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What if I don't have an email address?
LendingTree's system is designed to notify you via email that you have received a response from a Lender. If you don't have an email address, you can get one for FREE through web-based services such as Yahoo!, Snap and HotBot.
I don't know my password. How can I find out what it is?
When you completed your loan request, we provided you with a password on our confirmation page and asked you to print out the page and keep it in a safe place. If you no longer have this page, don't worry. We'll also send you your password when we send you an email notifying you that a Lender or credit card issuer has posted a decision. You may also retrieve your password by visiting our home page and clicking on "Check My Loan Status." From there, click on "Forget Your Password." Fill out a short form and your password will be emailed to you immediately.
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How do I compare loan or credit card offers?
It's important that you evaluate all of the terms of each offer before you choose the one that's best for you. Compare the interest rate, APR, points, loan amount, loan term and other details of the loan offer. Please use our online calculators to help you make your decision.
I've accepted an offer. How do I close the loan?
After you accept an offer, you will need to communicate with the Lender directly (via mail, email or phone) to complete the loan process. You will need to verify the information you provided through our site through W-2 forms, pay stubs, house appraisals etc. You'll also need to sign the official application forms from the Lender and schedule a closing. You won't be going through the loan process alone. You will be assigned a personal customer care advocate when you complete your loan request. Feel free to call on them to help you through the process.
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How can I check on the credibility of LendingTree?
We think the best endorsement comes from people who found a loan through LendingTree. We get letters each day from happy borrowers who found a loan. We've shared some of their comments in Customer Feedback. LendingTree is also a member of the Better Business Bureau. Please feel free to call them at (704) 527-0012 to check up on us. Our privacy policy has also been approved by TRUSTe, an independent, non-profit initiative whose mission is to build users' trust and confidence in the Internet by promoting the principles of disclosure and informed consent.
I live outside the United States. Can I use LendingTree to find a loan?
At this time, we only service requests for loans that originate in the United States.
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How do I check my loan status?
You may check the status of your loan from our home page. From www.lendingtree.com, click on "Check My Loan Status." You will be asked to enter your password and social security number.
You may also contact our Customer Care Department with your social security number and password.
Can you delete my information?
While we can assure you that we will not share the personal information provided by you on your loan request with any third party, we must maintain a record of your inquiry to comply with state and federal record retention laws. This is also consistent with our privacy policy. Should a state or federal regulator request records of consumers who completed loan requests, as a regulated entity, we must comply with that request to produce any such records.
Do you have any job openings?
Please go to Join the Team to check on available positions.
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How can I join the affiliate program?
Please go to Join the Affiliate Program for more information.
How can I change the information I submitted on my loan request?
If you already have Lenders competing for you:
You have the ability to update certain information you provided on your loan request. Simply log into your account, go to the "Offer Details" page, and look for the "change your offer request" link. Enter the information you wish to update, and LendingTree will contact your Lenders on your behalf to provide them with your new information. You may also contact your Lenders directly to make any necessary updates.
If you do not have Lenders competing:
You may complete another loan request with the updated information. Because you have already completed a loan request, we can pre-fill much of your information once you identify yourself by clicking the "Been Here Before?" link from our homepage.
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What are your closing costs?
Each Lender determines their own policy regarding closing costs. Unfortunately, because LendingTree is not a Lender and is not involved in the lending decision, we are unable to determine the amount of closing costs or out-of-pocket closing expenses. If we are able to match your request with a Lender, you may discuss your specific situation with them once you are in contact.
How do I cancel my request for a loan?
We are sorry that you do not wish to continue with your loan request. As soon as you submit your request, we try to match it with Lenders in our Network. If your loan request has been referred to a Lender, you must contact that Lender directly to cancel your request. The Lender's contact information is included in the details of your loan offer.
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How can I update my email address?
Please contact our Customer Care Department to correct or update your email address.
Why am I having problems accessing your web site?
If you received the "User Session Not Available" error message, your "cookies" may not be enabled. If you are using Internet Explorer, please follow these steps:
- Open your browser
- Click on Tools on upper tool bar
- Select Internet Options
- Click on Security tab
- Select Custom Level
- Scroll down and check to see that Cookies are enabled
- Click OK
If you are using Netscape, please follow these steps:
- Open your browser
- Click on Edit on upper tool bar
- Select Preferences from the drop-down menu
- Click on Advanced
- Verify in the box that "Accept All Cookies" is checked
- Click OK
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What if I don't want to give you my social security number?
We request your social security number to ensure that we receive accurate information from the credit reporting agency. Our Lenders evaluate the information they receive in your loan request as well as the information contained within your credit report. For these reasons, we encourage you to enter correct information in the social security field.
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How do I get my Real Estate incentive?
Once you close your Real Estate transaction, please send us a copy of your HUD-1 closing statement, correct mailing address, and contact phone number to:
LendingTree, LLC
Attn: Real Estate Incentive
PMB 008
15105-D John J. Delaney Drive
Charlotte, NC 28277
EXPIRATION NOTICE: You must send in your information within 30 days after closing your real estate transaction in order to receive your bonus. Any bonus requests postmarked after 30 days from loan closing will be considered ineligible for the bonus.
This offer is subject to availability and is not available in all states. Certain states may require cash back to be given as a credit at closing. You should receive the bonus within 4-6 weeks upon LendingTree's receipt of your bonus request.
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My question wasn't answered here. How can I contact LendingTree directly?
We want to be your advocate throughout the loan process. If you have questions or comments at any time, please contact our Customer Care Department.
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