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LendingTree vs SoFi
Side-by-side refinance comparison based on public data and CFPB records.
Quick Comparison
| Feature | LendingTree | SoFi |
|---|---|---|
| Wirly Rating | 4.2/5 | 4.4/5 |
| Min. Credit Score | 580 | 600 |
| Loan Types | Conventional, FHA, VA, Jumbo, USDA | Conventional, Jumbo |
| Best For | Comparing multiple offers | High-balance loans |
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
SoFi
Pros
- +No origination, application, or appraisal fees
- +Competitive rates for well-qualified borrowers
- +Unemployment forbearance program for members
Cons
- -No FHA, VA, or USDA loans
- -Higher minimum credit score than some competitors
- -Limited loan product variety
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.