Advertising Disclosures
Disclosure 105
Credit Scores – Disclosure current as of 28-Apr-26
LendingTree provides users with credit scores through its partnership with TransUnion® and through its relationship with VantageScore 3.0©. Credit scoring is not precise, and your score may differ among the three major credit bureaus and FICO®. Your VantageScore© is determined by granular data fields that when taken together determine your overall score. For more information, you can visit www.VantageScore.com.
Credit score bands generally align with the following credit scores but may update from time to time:
- Excellent – 720 or higher
- Good – 680 through 719
- Fair – 640 – 679
- Poor – 639 or less
LendingTree cannot guarantee the accuracy of any credit score or any items utilized from your credit report or credit history. Lenders may use FICO or a Tri-Merge credit score that may be different from your Vantage Score 3.0. Lenders may also use their own underwriting and business practices to determine your credit score. Any questions or concerns regarding your TransUnion credit score and/or credit data should be directed to TransUnion at 1-866-922-2100 or https://dispute.transunion.com.
Federal law gives you the right to get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus. To order your free annual credit reports you can (1) visit AnnualCreditReport.com; (2) call 1-877-322-8228, or (3) complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. For more information visit https://consumer.ftc.gov/articles/free-credit-reports.
Factors Impacting Credit
While there are numerous factors that can impact an individual’s credit score, the following are the factors that create a VantageScore credit score:
- Payment history – Have you consistently made payments on-time and in-full
- Total credit usage – How much of the total amount of credit available to you are you currently using?
- Credit mix and experience – How many different types of credit do you have (e.g., car loan, credit card, and a mortgage), and how long have you had a credit account?
- New accounts opened – How many recently opened credit accounts and recent credit applications do you have?
- Balance and available credit– What is the total of your current account balances plus any and delinquent account balances?
For more information, visit https://vantagescore.com/.
LendingTree Advertisement Disclosure:
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, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; 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 License #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 #1136; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; 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 #1136, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; 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 #1136MBR; NH Small Loan Lender License #1136SM; 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; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; 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. Licensing information last amended on 28-Apr-26.
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.