LendingTree leads: up to five lenders get the same borrower, who expects offers within minutes

One long form, up to five match fees

The borrower fills in a single request form describing the loan they want, and consents to a soft credit check and to having lenders contact them. LendingTree matches the request “against certain pre-established criteria of Network Partners” using the form data, credit profile and location, then sends it to up to five of them. In LendingTree’s own words, “up to five match fees may be generated from a single consumer request form.”

That match fee is how you pay: mostly upfront, per request received, not per closed loan. LendingTree doesn’t publish its prices. You apply through its partner form, LendingTree screens you, and you manage your campaigns and targeting in its lender portal. On its partner page, LendingTree says the average borrower is looking for $309,000 or more on a purchase and $275,000 or more on a refinance.

The borrower is waiting for up to five calls

LendingTree’s consumer FAQ tells the borrower they’ll see “up to five lenders who most closely match your needs,” with offers “usually within minutes.” So when your lead arrives, the borrower is looking at a list of lenders and waiting for the phone to ring. The first lender who gets them on the line, with a real answer about their loan, sets the bar for the other four.

LendingTree publishes no lead return policy and no speed-to-call target for lenders. Treat the minutes after delivery as the part of the match fee you control.

How to get each LendingTree lead called as soon as it reaches Callingly

LendingTree doesn’t publish how it delivers leads. Lenders set that up when they join, and many receive them through a lead platform like ActiveProspect’s LeadConduit, which lists a LendingTree Mortgage integration, or straight into their CRM. Wherever yours land first, send them on to Callingly by webhook:

1. 1 In Callingly, add a Webhook integration and pick the team that should get your LendingTree leads. Copy its webhook URL.
2. 2 Add that URL as a delivery destination wherever your LendingTree leads land first, such as a LeadConduit flow, your lead distribution tool, or a CRM that can post webhooks. Callingly’s key is already part of the URL, and it accepts JSON.
3. 3 Send a test lead. Callingly’s automatic lead extraction is on by default and pulls the name, phone number and email out of it. Open the lead in Callingly and check the phone number came through. If it didn’t, turn off “Automatically extract lead data” on the integration’s Fields tab and enter the field name your platform uses for the phone number.
4. 4 Send another test lead through. The AI Agent calls it within your team’s call hours as soon as it arrives.

Or through your CRM. If your LendingTree leads land in a CRM Callingly connects to, either directly, like HubSpot or Salesforce, or through Zapier, start the Callingly call from the CRM instead.

Either way, the AI Agent calls each lead that arrives inside your team’s call hours as soon as it lands, and only between 8 AM and 9 PM in the lead’s time zone. For leads outside those hours, add an AI call to the sequence’s Outside Business Hours branch, or turn on its “Wait until next business hours” step so the call goes out at the next time that fits both your call hours and the lead’s window. Match your LendingTree campaign hours to the hours someone can take a transfer.

What happens when the AI Agent calls

Within your team’s call hours, each new lead gets a call from the AI Agent as soon as it reaches Callingly, plus texts in the same sequence if you want them. The AI Agent asks your qualifying questions, such as loan purpose, property value and timeline, and warm-transfers the live borrower to a loan officer who’s free. When nobody is, it offers a callback at a time the borrower picks. When the borrower doesn’t answer, the followup sequence keeps calling and texting on your schedule, which matters when four other lenders are calling too.

The same route works for Lendgo, LoanBright and the rest of a mortgage team’s lead flow.

LendingTree lead questions

How many lenders get each LendingTree lead?

Up to five. LendingTree’s annual report says a borrower’s request “is automatically transmitted to up to five participating Network Partners,” and each one pays a match fee. Its consumer FAQ tells the borrower the same thing.

How much do LendingTree mortgage leads cost?

LendingTree doesn’t publish its match fees. Most of its mortgage revenue comes from “upfront match fees paid by Network Partners that receive a consumer request,” not fees on closed loans. You’ll get your rate when you join the network.

Can I call a LendingTree lead another lender passed to me?

Don’t. The borrower consented to hear from the lenders LendingTree matched them with. In a 2025 case, a court let a jury decide whether that consent covered a lender who got the lead secondhand, and LendingTree said sharing leads between partners “is not permitted.” Call only the leads LendingTree delivered to you.