Advertising Disclosures

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

What portion of LendingTree’s services in connection with my loan request is free?

There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.

How does LendingTree get paid?

LendingTree does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.

Potential savings may vary based on the interest rates, balances and remaining repayment term of the loans you are seeking to refinance. Your overall repayment amount may be higher than the loans you are refinancing even if your monthly payments are lower. Variable rate options will fluctuate over the term of your loan with changes in the LIBOR (or other index utilized by the lender) rate, and will vary based on applicable terms and presence of a cosigner. Fixed interest rates may be based on applicable terms and presence of a co-signer. Additional terms and conditions, and rates are subject to change at any time without notice and may not be available in all states or for all types of current student loans. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Lenders are required to provide every potential borrower with disclosure information before they apply for a private student loan. The Lender you select is required to provide you with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. LendingTree, LLC is not a lender or creditor, it does not offer, extend or alter credit terms. Only participating lenders can perform the full application and deliver the required disclosures, please ask your lender about rates, terms, fees, and potential discounts that may be available for each product.

Pursuant to the contracts between LendingTree and the Lenders on its Network, LendingTree may also receive information from your Lender regarding the status of your application including, but not limited to, the amount or disposition of your loan. Information specific to your Lender’s use of your information will be found in your Lender’s specific Privacy Policy.

Please Note:

1. Certain federal and Private Loans may not be eligible for consolidation/refinance.

2. Certain consolidation/refinance plans may result in higher monthly payments or negative consequences (i.e. prepayment penalties).

3. Consolidation/refinance may lead to other negative results, such as loss of grace periods.

4. Loans in default generally cannot be consolidated until completion of a repayment trial plan so tell your lender if you are in default and determine relevant options (be wary of those asking for upfront fees as well)

5. Other options or programs may fit your needs (i.e. personal loan, debt consolidation and/or debt relief) consult your financial and/or tax advisor prior to making any decisions.

While LendingTree obtains a number of factors from your credit report it does not have all of your credit data and cannot guarantee any savings estimates delivered to your account. If you have activated savings alerts by providing your current interest rate, then LendingTree will update you monthly on what similarly situated consumers are receiving as match offers on similar products. Generally, you will need to realize a threshold dollar value of savings before we will alert you if not your details page will indicate that you have a "good rate". LendingTree is not offering financial advice that your rate is anything other than what it is in comparison with other customers on its Network and Savings are potential only and are based on current participating lenders, banks, brokers, peer-to-peer lenders, and other similar partners depending on the product. Savings Alerts are potential only and are not firm offers of credit and if your credit situation has changed you may not in fact be able to realize the savings. Only a selected lender/partner can tell you if you may in fact realize such savings since LendingTree does not know all of your financial information, employment, income, debts or assets. It is only an estimate of savings to empower you to take charge of your personal finances.

LendingTree is not a creditor as it does not offer, extend or alter credit; rather it is an online market lead generator that allows consumers to shop and compare rates, terms and costs associated with financial products such as mortgages, auto loans, personal loans, student loans, etc. LendingTree does not originate or fund any product it markets; rather it has a Network of Lenders who compete for your business. You may choose to speak with none, one or more of these Lenders to determine what your actual terms and savings may be. Only a lender can provide you with a formal application for credit, your inquiry form here is merely an expression of interest and/or intent to obtain credit. You must discuss your actual credit situation and fill out the lenders required documents prior to obtaining an extension of credit. Network Lenders may not have the best or the lowest rates so you are encouraged to continue to shop and compare additional lenders, credit unions, local financial institutions etc. to ensure you are truly getting your best deal for your situation.

You should contact your tax professional or other financial advisor to determine if you can actually realize savings by refinancing when it can extend the life of your current loan. You should ask the lender about all terms, rates, fees and costs associated with each product and if you will realize a net tangible benefit from the same. All initial estimated savings is done by trying to calculate what your rate may be; however, LendingTree does not have that information and cannot guarantee potential savings or that lenders will approve you for such product that would warrant those savings. All uses of estimated potential savings are examples only. LendingTree gathers information from the past 30 days of customer matches for the product indicated. A calculator is then utilized to find consumers that self-reported similar financial information in their inquiry form, and who received "matches" for the average rate, term and amount (minus taxes, insurance, and costs) at the lowest match rate for that time period. More particularly, the most lenders across the Network, offering the same low rate, assuming the same range of self-reported credit, estimated loan amount, estimated loan balance, location and 80% or better loan-to-value. Rates are not guaranteed and change daily. Lenders/Brokers/Dealers/Partners that perform the actual underwriting will have to determine if you meet their underwriting criteria which is unknown to LendingTree at the time of matching/offer/quote delivery. All amounts are estimates and examples only and do not represent an actual offer.

LendingTree Advertisement Disclosure (last updated December 17, 2021): LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733. For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details. LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694; AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469; AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage Licensee #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #4737; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #21-1261, 727 N. First Street, Suite 310, Saint Louis, Missouri 63102; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License # P50-02291;NH Mortgage Broker License #14208-MBR; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NY - LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 203926 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 37812 2nd Street, Willoughby, OH 44094; OK Mortgage Broker License #MB002490; OR Mortgage Lending License #ML-1862; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Mortgage Brokerage License #MB.00027; TN Mortgage License #109266; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 11500 State Highway 121, Ste. 410, Frisco, TX 75035; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Advertised Terms and Information
  • The information and disclosures above relate to advertised terms made by or through LendingTree.
  • Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
  • LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
  • You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
  • FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.