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LendingTree vs loanDepot
Side-by-side refinance comparison based on public data and CFPB records.
By Wirly Editorial Team | Last reviewed: May 2026 | AI-assisted, human-reviewed
Compare Refinance Offers from Multiple Lenders
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- Get matched in minutes based on your situation
- No impact on your credit score for prequalification
- Marketplace results may include lenders shown on this page
Wirly earns a commission when you submit a quote through our marketplace partner. This does not affect your rates or terms. See our affiliate disclosure.
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 |
CFPB complaint figures reflect 2024 data. Lender profiles last reviewed May 2026.
At a Glance
Wirly Rating
Min. Credit Score
Loan Types Offered
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
How we compare lenders
Wirly compares lenders using public HMDA lending data, CFPB complaint records, published rate and fee disclosures, and editorial review. Rankings and ratings stay independent of advertising relationships. Read our full ranking methodology for details.
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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.