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LendingTree vs loanDepot
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | LendingTree | loanDepot |
|---|---|---|
| Wirly Rating | 4.2/5 | 4/5 |
| Min. Credit Score | 580 | 620 |
| Loan Types | Conventional, FHA, VA, Jumbo, USDA | Conventional, FHA, VA, Jumbo |
| Best For | Comparing multiple offers | Repeat customers |
Pros and Cons
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
loanDepot
Pros
- +Lifetime guarantee waives lender fees on future refinances
- +Available nationwide with local loan officers
- +Solid digital application experience
Cons
- -Higher rates reported compared to some online lenders
- -Customer service ratings have fluctuated
- -No USDA loans
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.