Terms of Service

By using lendulab.com or submitting our matching form, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the service.

You must be at least 18 and legally able to enter a contract in your state.

LendULab is a free matching service. You tell us what you are trying to do — buy a home, refinance, or take cash out — and we introduce you to licensed mortgage brokers and lenders who may be able to help.

That is the whole of what we do. We charge you nothing. We are paid by the professionals we introduce you to, which means you should compare any offer you receive on its own merits.

LendULab is not a mortgage lender, mortgage broker, loan originator, correspondent, or servicer. We are not licensed as any of those in any state, and we are not registered with the NMLS.

We do not take loan applications, do not underwrite, do not set rates or terms, do not issue pre-approvals or commitments, do not lock rates, and do not order appraisals. Nothing on this site is an offer of credit or a commitment to lend.

Nothing here is financial, legal, or tax advice. A mortgage is the largest debt most people take on, secured against their home; consider advice from a professional who owes you a duty before you commit to one.

Mortgage brokering and origination are licensed state by state. A broker can only work with you if they hold a licence in the state where the property sits, so the matches available to you depend on your property's location.

The service is not available in every state, and we may be unable to match you at all. That is not a decision about your creditworthiness — we do not make those.

Give accurate information. Estimates are fine and expected — we ask for ranges — but a match built on figures that are wrong on purpose wastes your time and the broker's, and a broker will re-verify everything before quoting.

Use the service for your own genuine enquiry. Do not submit anyone else's details, automate submissions, scrape the site, or interfere with its operation.

We do not guarantee that you will be matched, that a broker will contact you, that you will be approved, or that any particular rate, term, or amount will be offered.

Any rate or payment figure shown anywhere on this site is illustrative. Actual rates and terms are set by the lender and depend on credit approval, income and asset verification, property appraisal, occupancy, loan-to-value, and market conditions on the day you lock.

When you submit the form, you agree that LendULab and the brokers and lenders we match you with may contact you at the number and email you gave, including by automated or pre-recorded call and automated text, and including at a number on a Do Not Call list.

This consent is not a condition of being matched or of obtaining any loan. Message and data rates may apply; reply STOP to opt out of texts. You may revoke consent at any time — see our Privacy Policy for how.

The professionals we match you with are independent third parties. They are not our agents, employees, or partners in any legal sense, and we do not control their licences, their pricing, their disclosures, or how they treat you.

We do not endorse or guarantee any of them, and we are not responsible for their acts or omissions. Any loan you take is a contract between you and that lender. Verify any originator's licence at nmlsconsumeraccess.org before you share sensitive documents.

The site, its content, and its marks belong to LendULab or its licensors and are protected by intellectual-property law. You may use the site for your own personal enquiry and nothing else without our written permission.

The service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent the law allows, LendULab is not liable for indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of your use of the service or any dealing with a broker or lender we introduced. Where liability cannot be excluded, it is limited to one hundred U.S. dollars.

You agree to indemnify and hold LendULab harmless from claims arising out of your use of the service, your breach of these Terms, or your violation of any law or third-party right.

These Terms are governed by the laws of the state in which LendULab maintains its principal place of business, without regard to conflict-of-laws rules.

We would rather resolve a complaint than litigate it: contact us first. Nothing in these Terms prevents you from complaining to the Consumer Financial Protection Bureau or to your state regulator, and nothing waives any right you cannot lawfully waive.

We may update these Terms. The "last updated" date above reflects the current version, and continued use after a change means you accept it.

Questions about these Terms can be sent through the contact options listed on lendulab.com.