Alauda vs LendingTree: who gets your contact details
Facts checked on November 5, 2026, from LendingTree's own public pages and terms of use, next to how Alauda works today.
The short answer
LendingTree matches you with up to five lenders, and those lenders may call you.1
With Alauda, nothing goes to a bank until you say so. You see who receives it and what it contains before you approve.
Side by side
| LendingTree | Alauda | |
|---|---|---|
| What it is | LendingTree is not a lender.2 | Alauda is not a lender or mortgage broker. The lender makes every credit decision. |
| How many companies get your details | LendingTree matches you with up to five lenders, and those lenders may call you.1 LendingTree's terms let matched lenders, LendingTree itself and real estate companies in its network contact you.2 | We do not hand your number to a list of lenders. Nothing goes to a bank until you say so. |
| What you agree to | LendingTree's terms let matched lenders, LendingTree itself and real estate companies in its network contact you.2 | You see who receives it and what it contains before you approve. |
| Stopping contact | You opt out of each lender separately.2 | You can withdraw an approval before it is sent. What a lender already received stays with them. |
| Who follows up | You pick a lender and apply to that lender, which handles the loan from there.1,2 | Today Alauda handles the paperwork and follow-up for HELOCs. We'll email you. |
| Credit check | Comparing on LendingTree may use a soft credit check; applying with a lender may use a hard one.2 | Alauda doesn't pull your credit report. A bank checks your credit only later, if you approve sending them your application. |
| Who pays | LendingTree is paid by the companies listed on its site, and that can affect the order they appear in.1,2 | Homeowners never pay Alauda. We're paid by the lenders we work with. Who pays us never changes the ranking. |
What happens on LendingTree
LendingTree's home equity form asks about your home and credit, then your date of birth.3
LendingTree matches you with up to five lenders, and those lenders may call you.1 LendingTree's terms let matched lenders, LendingTree itself and real estate companies in its network contact you, and you opt out of each lender separately.2
With LendingTree you pick a lender and apply to that lender, which handles the loan from there.1,2 Comparing on LendingTree may use a soft credit check; applying with a lender may use a hard one.2
LendingTree is paid by the companies listed on its site, and that can affect the order they appear in.1,2
What happens on Alauda
Alauda is in early access. Homeowners use it through an invitation link.
- Comparing. Alauda doesn't pull your credit report. Comparing options won't affect your credit score.
- Who receives your details. We do not hand your number to a list of lenders. Nothing goes to a bank until you say so, and you see who receives it and what it contains before you approve.
- Who those recipients are. The licensed partner that files your application, the lender, and a service the lender uses to verify your debts, only after you approve.
- Credit check. A bank checks your credit only later, if you approve sending them your application: a soft check first, and a full credit report if you continue.
- Follow-up. Today Alauda handles the paperwork and follow-up for HELOCs. We'll email you.
- Stopping. You can withdraw an approval before it is sent. What a lender already received stays with them.
- Who pays. Homeowners never pay Alauda. We're paid by the lenders we work with. Every comparison shows who pays us, and who pays us never changes the ranking.
To compare five kinds of places to go for a HELOC on the same seven questions, read Who to go to for a HELOC.