Congratulations to Lending Tree for getting the lowest rating I've ever seen after I made the mistake of dealing with them. I filled out the application and found out they sent my "personal" information out to every mortgage company legal and ethical or NOT. So my information is spread around like rain. My five referrals went to 20 and I received over 50 robo calls the first three days. It took a month to get rid of them. I got almost 250 calls. Lending Tree is a scam even to the mortgage companies.