LendingTree
The largest US lending marketplace - mortgage leads are priced per lead and vary widely by state
Overview
LendingTree operates the largest consumer lending marketplace in the US, matching borrowers with lenders across mortgage, refinance, personal and auto loans. Mortgage leads are the most expensive in consumer finance because a single funded loan is worth thousands to the lender. Publishers are usually paid per qualified lead rather than per funded loan, which means the payout is a fraction of the loan value but arrives far sooner.
Strengths
- Mortgage leads are the highest-value consumer finance leads
- Single relationship covers multiple lending products
- Established compliance framework
Trade-offs
- Lead prices vary enormously by state and loan type
- Shared leads reduce close rates for the lender, which feeds back into quality scoring
- Not a per-funded-loan structure unless negotiated
Commission structure
| Model | PPL — per lead (bidding) |
|---|---|
| Published rate | $35–$200 per qualified lead |
| Cookie window | Varies by programme |
| Payment terms | Net 30 |
| Minimum payout | $100 |
| Recurring | No |
| Payout tier | High Top-tier payout — worth building content around |
Source: www.cpaprism.com · Data checked: 2026-10-28
How to apply for the commission
- Apply as a publishing partner and specify which lending verticals you cover.
- Ask for the per-lead price by loan type and by state - the spread is enormous and it determines whether your traffic is viable.
- Confirm whether leads are shared or exclusive; exclusive leads are worth 2-4x but cost more to generate.
- Integrate the lead form or API and comply with TCPA consent requirements.
- Track revenue per click by state; do not average across the country.
- $100 minimum, Net 30.
Mortgage content is where lending money actually is, but it is also the most rate-environment-sensitive: when rates fall, refinance volume and lead prices spike together. Do not build a lending site on a single quarter of data.
Traffic restrictions
US traffic. TCPA consent mandatory. RESPA and state lending advertising rules apply.
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