Advertising Disclosures

All Factoids that scroll across the bottom of the screen are provided from various sources and updated on a regular basis, no less than annually. Some items may also appear in online marketing materials and/or offline such as TV and radio.

Current Factoids indicate that the average credit score is 681, such information was obtained from based on several years of data compiled from reports based on FICO scores at the time of origination and that may not be indicative of the borrowers' credit worthiness at December 31, 2013. FICO scores can range between 300 and 850 points. Freddie Mac delivered a presentation in September 2014 at http://www.freddiemac.com/investors/pdffiles/investor-presentation.pdf (page 37) that provided the following information regarding average credit scores for total purchases of single family homes over the following years:

2009 – Average Score 756

2010 – Average Score 755

2011 – Average Score 755

2012 – Average Score 756

2013 – Average Score 749

2014 – Average Score 747 (YTD September 2014)

The Average VantageScore® 3.0 is 681 and the full range of scores are 300 to 850. Individuals with lower scores are seen as a higher risk by creditors. http://www.experian.com/live-credit-smart/state-of-credit-2013.html

Factoid regarding 58% of Americans not knowing their credit score can be found at: http://www.prnewswire.com/news-releases/halloween-fright-most-consumers-dont-know-their-credit-score-229270961.html as well another interesting fact at http://guides.wsj.com/personal-finance/credit/how-to-monitor-your-credit-score-and-credit-report/. The article went on to say that higher credit scores generally equate to lower interest rates. In 2007, the national average FICO score was 723 and 58% of Americans have a higher score than 700, according to Fair Isaac.

Getting your Credit Score through LendingTree is done by what is deemed a "soft inquiry" of credit and it does not impact your credit score. It is the same as you looking at your credit score and/or obtaining your full annual Free Credit Report available at www.AnnualCreditReport.com or by calling 877-322-8228.

Average U.S. credit card debt of $7,087 can be found at: http://www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/. In addition, most of that debt had been carried for at least two years. In addition see http://www.prweb.com/releases/2014/04/prweb11753416.htm.

Using more than 80% of your available credit may result in a lower credit score factoid can be found at: http://www.creditreport.org/good-credit-score/

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 License #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 #1136; 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, NMLS #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 #1136MBR; NH Small Loan Lender License #1136SM; 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 #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; 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; OK Credit Services Organization License #CSO00394; 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 Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; 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 28-Mar-25.
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.