SmartRatesUSA
Mortgage Lender Review🔍 Best for Rate Shopping

LendingTree

Broker Marketplace

30-yr fixed APR around 6.40%. Shoppers who want to compare multiple lender quotes quickly.

At a Glance

30-Yr Fixed APR

6.40%

15-Yr Fixed APR

5.75%

Min. Credit Score

580

Min. Down Payment

3%

Lender Type

Broker Marketplace

Avg. Closing Time

Varies by lender

Key Features

Compare multiple lender offers from one form

No cost to compare quotes

Wide network of partner lenders

Pros & Cons

Pros

  • See several real quotes side-by-side
  • Good for rate-shopping in one place
  • Works for most loan types

Tradeoffs

  • Expect follow-up calls from multiple lenders
  • Final terms set by the matched lender, not LendingTree

Best for: Shoppers who want to compare multiple lender quotes quickly

Frequently Asked Questions

What credit score do I need for a mortgage with LendingTree?

LendingTree generally works with borrowers around 580+, though the exact rate and approval odds depend on your full credit profile, down payment, and loan program.

What loan types does LendingTree offer?

LendingTree offers Conventional, FHA, VA, Jumbo, Refinance. Availability can vary by state and property type, so confirm your specific loan program directly with the lender.

Does LendingTree charge lender fees?

LendingTree charges standard lender fees as part of closing costs — ask for a full Loan Estimate to see the exact breakdown before committing.

Other Mortgage Lenders

Rocket Mortgage

6.75% 30-yr fixed APR

Better Mortgage

6.49% 30-yr fixed APR

Navy Federal Credit Union

6.35% 30-yr fixed APR

Rates shown are illustrative national averages for 2026 and change daily based on market conditions, loan amount, credit score, and property type — always confirm current rates directly with the lender.

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