LendingTree does not issue Mortgage Home Loans. They take your information and sell it to multiple mortgage company's that will then consistently call you and email in attempt to take a Full Mortgage Application;.
Because LendingTree is not the Lender, the loan quotes they provide you with are only rough estimates that do not fully account for your home value, actual credit score, and verified income requirements. Therefore, in order to truly shop multiple lenders for the best rate and or closing cost you must make full loan applications to multiple Mortgage Lenders.