Advertising Disclosures

Mortgage Rates displayed are those from our Network Lenders analyzed over the past seven to ten days prior to publication. The rates reflect quotes delivered to consumers who are similarly situated to the assumptions described below. The “as low as” rate is derived by determining most lenders with the lowest quote rate being delivered to the most consumers across the country during the prescribed period. The rates displayed are not loan approvals or a commitment to lend. LendingTree does not originate loans, each lender will have its own underwriting requirements, approval process, and costs associated with the same. Actual fees, costs, rates, terms, points and origination expenses will vary per lender. Additional fees can be added such as an appraisal fee, credit report fee, lender fees, mortgage insurance, taxes, insurance and/or VA Funding Fee.

Discuss all pricing, terms and all fees, including a zero fee alternative, with the lender(s) you choose to conduct business with upon receiving your quote. The approximate costs of finance charges, fees, rate and APR in the examples do not constitute an offer to lend are not to be substituted for a Truth in Lending Act Disclosure (TILA) or a Good Faith Estimate (GFE) that you will receive once you formally apply for a loan. LendingTree is not a creditor and it does not offer, alter or modify current or future credit terms. LendingTree does not originate loans it is a marketing lead generator that performs solicitation for mortgage products without participating in the origination process.

LendingTree charges the Network Lenders a “Lead Fee” for its services, fees are never charged to the consumer. Network Lenders are not to impose this “Lead Fee” upon the consumer as it is a marketing replacement cost that should be absorbed by each Lender. The Lead Fee will not exceed $290 based on the current fair market value (FMV) of the goods, services and facilities being provided by LendingTree to its Network Lenders. Lead fees are subject to change based on several factors including, but not limited to, market conditions, product, geographic location, filter sets chosen, etc.

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 Licensee #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 #4737; 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, 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 #14208-MBR; NH Small Loan Lender License #23645-SM; 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 #02048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 203974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; 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; 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 Mortgage Brokerage License #1136.MB; TN Mortgage License #109266; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 11500 State Highway 121, Ste. 410, Frisco, TX 75035; 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 1-Feb-23.   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.