While i see the reviews from the staff i question whether there isnt any sort of incentive to comment. Having been approved to compete for loans we are very familiar with how the LT system worked and i can honestly say it wasnt always the best deal.. Not to say that they dont offer really great rates but there is lower if you shop.

I've used this program for my last three mortgage loans. The rates simply cannot be beaten - objectively. LendingTree compares rates through the Costco program to the national average as measured by Freddie MAC. The rates through this program on average save $1000 at closing! The reason that happens is because only LT's top lenders can participate - and they give lower rates than they would elsewhere.

Plus you either get a $300 or $400 Costco Cash card at closing. I will definitely use this program for my next refinance.

I used this program in December 2007 to find a mortgage for my new home. The rates really couldn't be much better, when I told other mortgage brokers the rate I got, they were all surprised at how low it was and asked me where I got the quote from. On average, it was about 0.25%-0.5% lower than what other mortgage companies quoted me.

Sign up is easy too, just fill out the form on their site and they contacted me the next day.

The $300 Costco gift cards were great, especially just after getting a new home and need tons of stuff from Costco.