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Guaranteed Rate vs LendingTree
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | Guaranteed Rate | LendingTree |
|---|---|---|
| Wirly Rating | 4.3/5 | 4.2/5 |
| Min. Credit Score | 620 | 580 |
| Loan Types | Conventional, FHA, VA, Jumbo, USDA | Conventional, FHA, VA, Jumbo, USDA |
| Best For | Wide loan selection | Comparing multiple offers |
Pros and Cons
Guaranteed Rate
Pros
- +Extensive loan product menu including niche options
- +Both digital and in-person support available
- +Competitive rates with rate lock flexibility
Cons
- -Origination fees vary by market and loan type
- -Online reviews cite occasional processing delays
- -Not available in all states for all products
LendingTree
Pros
- +Receive up to 5 offers from competing lenders
- +Wide range of loan types and lender partners
- +Helps borrowers with lower credit scores find options
Cons
- -Not a direct lender (marketplace model)
- -May receive marketing calls from multiple lenders
- -Rates shown are estimates until lender verification
Ready to see your numbers?
Use our free calculators to see exactly how much you could save with either lender.
This comparison is for educational purposes only and does not constitute financial advice. Rankings reflect publicly available data and editorial evaluation. Wirly is not a lender or mortgage broker. See our methodology.