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.

• The Federal Housing Administration (FHA) offer government-insured mortgage loans. Mortgage insurance provided by FHA protects the lender if a borrower defaults on the FHA loan.
• If you choose an FHA product, you will pay a mortgage insurance premium (MIP) down payment at closing and on a monthly basis until the loan-to-value (LTV) reaches the prescribed limit.
• Since MIP is required it allows a lender to provide more flexible benefits and varying programs which include, but are not limited to:
• low down payments;
• no maximum earning limits;
• flexible credit guidelines;
• flexible income guidelines; and
• ARM and Fixed rate loans (maximum mortgage term may not exceed 30 years from the date that amortization begins. In the case of adjustable rate mortgages (ARMs), the term must be for 30 years).
• Maximum loan amounts vary by county;
• Minimum credit score is required;
• Not all requestors will qualify.
• Property value restrictions apply.

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 11-Dec-25.
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.