LendingTree, Inc..
TREE.US | Other activities auxiliary to financial service activities
LendingTree, Inc. operates an online lending marketplace for consumers seeking loans and credit. The company connects borrowers with a network of lenders, providing tools and resources to compare loan options for mortgages, personal loans, credit cards, auto loans, student loans, and small business ...Show More
Better Health for All
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LendingTree operates an online lending marketplace, which does not directly offer health products or services, resulting in a neutral health impact. The company's revenue is derived from fees paid by lenders for leads or transactions, not directly from products with negative health outcomes.
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LendingTree's services do not have direct safety implications for physical or mental health. However, the company facilitates medical loans, with average personal loan rates ranging from 11.77% APR for excellent credit to 32.19% APR for poor credit, and some lenders charging origination fees up to 9.99%.
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LendingTree users save an average of $1,659 by comparing rates.
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The LendingTree Foundation supports organizations serving under-represented populations, individuals transitioning out of homelessness, and disadvantaged students, but specific percentages of vulnerable populations reached with health-related services are not provided.
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LendingTree discloses that compensation may impact how and where offers appear on its site and that it does not include all available lenders.
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The company's operations do not directly engage in preventative health or treatment activities. While LendingTree claims its quote comparison tool is safe, secure, and private, a federal judge overturned the CFPB's January 2025 ruling to remove all medical debt from credit reports in July 2025.
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The company's activities do not substantially affect mental health outcomes directly, but medical debt is noted as stressful.
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The company provides educational content on negotiating medical bills and understanding consumer rights.
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Fair Money & Economic Opportunity
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No evidence available to assess LendingTree, Inc. on Fair Money & Economic Opportunity.
Fair Pay & Worker Respect
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No specific, concrete data points were found in the provided articles to assess TREE.US against any of the Fair Pay & Worker Respect KPIs.
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All articles explicitly state that the content is insufficient to extract relevant information for the requested metrics.
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Fair Trade & Ethical Sourcing
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LendingTree, Inc. operates as an online lending marketplace, connecting consumers with lenders.
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Its business model does not involve the procurement or trade of physical commodities, raw materials, or a supply chain that would typically be assessed under 'Fair Trade & Ethical Sourcing' metrics. Therefore, all KPIs related to fair-trade certifications, supplier audits for labor practices, traceability of physical goods, remediation for sourcing violations, ethical sourcing clauses in contracts, spend on high-risk materials, or supplier diversity in the context of ethical sourcing are not applicable to the company's operations. No evidence was found in the provided articles for any of these KPIs.
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Honest & Fair Business
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LendingTree, Inc. incurred $875,000 in regulatory fines related to a data breach lawsuit settlement in July 2023, which exposed the personal data of at least 200,000 people.
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The company's Code of Business Conduct and Ethics, updated in October 2023, includes a Whistleblower Policy for financial and audit-related concerns, which prohibits retaliation and outlines investigation procedures.
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Training on this Code is provided to directors at least every other year.
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The company's SEC filings indicate no financial restatements.
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The Board of Directors must consist of at least a majority of independent directors, meeting NASDAQ requirements.
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LendingTree's operations in India subject it to compliance with the Foreign Corrupt Practices Act (FCPA) and similar anti-bribery laws, and the Code of Business Conduct and Ethics prohibits improper gifts or payments.
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The company performs due diligence on new lenders by screening against a national anti-fraud database and conducts periodic external penetration tests to assess cybersecurity defenses.
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Kind to Animals
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No evidence available to assess LendingTree, Inc. on Kind to Animals.
No War, No Weapons
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LendingTree, Inc. is reported to have no military contracting and no controversial weapons.
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The company's core business operates an online lending marketplace, which does not involve defense or arms-related activities.
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Planet-Friendly Business
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LendingTree, Inc. has no commitment to Science Based Targets initiative (SBTi), indicating an absence of science-based carbon reduction targets.
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The company's DitchCarbon score is 25, which is lower than 57% of the industry average.
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LendingTree's overall ESG Risk Rating from Sustainalytics is 29.5 (Medium), ranking 880 out of 944 in the Software & Services industry.
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EthosESG gives the company an overall impact score of C (40.8), placing it in the bottom 25% of industry peers, with weak performance noted in areas such as "Clean Water Access" (score 27.1).
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Respect for Cultures & Communities
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LendingTree has established 10 formal partnerships with local nonprofits through its LendAHand Alliance Cohort program, which received $3.5 million in grant support.
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Approximately 54.17% of its 1,200 nationwide employees are based in Charlotte, NC.
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The company has not reported any cultural appropriation incidents and does not have a specific cultural impact assessment protocol, which aligns with its online business model.
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Safe & Smart Tech
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LendingTree's subsidiary, QuoteWizard, experienced a major data breach in June 2024,
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exposing the personal information of over 190 million consumers, including names, addresses, phone numbers, dates of birth, driver's license numbers, Social Security numbers, and financial information.
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This breach, which occurred via a Snowflake cloud database using stolen login credentials,
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led to reports of fraudulent charges and unauthorized bank account openings.
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Plaintiffs allege LendingTree failed to implement adequate security measures, including multi-factor authentication,
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and ignored industry best practices.
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LendingTree launched an internal investigation immediately after being notified.
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The company's privacy policy states it maintains measures to safeguard personal information but cannot guarantee complete security.
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LendingTree uses AI-powered chatbots for customer service,
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advising users to verify output and not input sensitive information,
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and there is no formal AI ethics policy despite facing regulatory scrutiny of AI governance.
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LendingTree saved $200,000 annually by implementing FortiCNAPP,
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which reduced alert volume by 90%,
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but no specific percentage of revenue invested in cybersecurity is provided. LendingTree easily generated SOC 2 compliance reports to pass audits.
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The company's privacy policy mentions collecting only necessary data
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and retaining it based on processing purposes and legal requirements, with retention periods of 3-5 years for most data.
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Users can opt out of marketing communications and some tracking, and may be able to delete, correct, or request access to information,
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but plaintiffs allege negligence in securing personal data.
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LendingTree does not have a bug bounty program.
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Zero Waste & Sustainable Products
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No specific, factual evidence was found in the provided articles regarding LendingTree's (TREE.US) performance on any of the 'Zero Waste & Sustainable Products' KPIs. The articles contain general information about sustainability practices and industry data, but no concrete data points, initiatives, or certifications directly attributable to LendingTree's operations or products.