# ZILLOW HOME LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/zillow-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ZILLOW HOME LOANS, LLC is a independent mortgage company, headquartered in WICHITA, KS, serving borrowers nationwide, with 9,356 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300370QILXLFUWD20
- **Headquarters:** WICHITA, KS
- **Geographic Reach:** National
- **States Served:** 50
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.435%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,906
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 9,356
- **Dollar Volume:** $3.1 billion
- **Applications Received:** 13,032
- **Market Share:** 26.00%

## Typical Borrower Profile

- **Average Loan Amount:** $333,365
- **Average Borrower Income:** $126,309
- **Average Property Value:** $400,213

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 6,646 | +0.428% | $2,695 | Strong 😀 |
| FHA | 82/100 | 2,151 | +0.557% | $3,569 | Exceptional 🤩 |
| VA | 79/100 | 527 | -0.283% | $2,935 | Strong 😀 |
| Jumbo | 49/100 | 32 | +0.229% | $2,666 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 6,597 loans, Score: 75/100 (Strong)
- Refinance: 49 loans, Score: 39/100 (Acceptable)

**FHA:**
- Purchase: 2,130 loans, Score: 83/100 (Exceptional)
- Refinance: 21 loans, Score: 46/100 (Sound)

**VA:**
- Purchase: 526 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 32 loans, Score: 49/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 77/100 | 9,285 | $3.1B | +0.435% | Strong 😀 |
| Refinance | 42/100 | 71 | $23M | +0.346% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 947 | 0.69% | 81/100 |
| NC | 908 | 0.61% | 77/100 |
| TX | 857 | 0.24% | 74/100 |
| CA | 842 | 0.30% | 73/100 |
| FL | 756 | 0.26% | 72/100 |
| AZ | 673 | 0.68% | 78/100 |
| CO | 541 | 0.65% | 75/100 |
| OH | 278 | 0.21% | 66/100 |
| PA | 277 | 0.23% | 68/100 |
| IL | 249 | 0.20% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,003 | 75/100 |
| Phoenix | AZ | 631 | 78/100 |
| Atlanta | GA | 582 | 81/100 |
| Denver | CO | 464 | 78/100 |
| Charlotte | NC-SC | 429 | 81/100 |
| Raleigh | NC | 284 | 79/100 |
| Portland | OR-WA | 230 | 72/100 |
| Riverside | CA | 220 | 69/100 |
| Marietta, GA | GA | 217 | 78/100 |
| Orlando | FL | 198 | 70/100 |
| Houston | TX | 182 | 65/100 |
| Dallas | TX | 175 | 66/100 |
| Las Vegas | NV | 154 | 70/100 |
| Los Angeles | CA | 150 | 65/100 |
| San Diego | CA | 128 | 65/100 |

## Where This Lender Ranks

ZILLOW HOME LOANS, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Evansville, IN for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Anaheim for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Rocky Mount, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rocky-mount-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Springfield, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/springfield-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Charlotte for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Durham for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Evansville, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Charlotte Mortgage Companies
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Anaheim for FHA Loans
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Gainesville, GA Mortgage Companies
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Beaumont for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/beaumont/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Rome, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rome-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Durham for FHA Loans
  - [View Full Rankings](https://saferate.com/durham/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in Seattle for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Youngstown for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/youngstown/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Rockford, IL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#20** in Fayetteville for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Akron, OH for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Evansville, IN for FHA Loans
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/fha-loans)
- 🏆 **#20** in South Bend for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does ZILLOW HOME LOANS, LLC offer?

ZILLOW HOME LOANS, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ZILLOW HOME LOANS, LLC offer mortgages?

ZILLOW HOME LOANS, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are ZILLOW HOME LOANS, LLC's mortgage rates?

ZILLOW HOME LOANS, LLC has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.435% above market average.

### What type of lender is ZILLOW HOME LOANS, LLC?

ZILLOW HOME LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WICHITA, KS.

### What is ZILLOW HOME LOANS, LLC's loan approval success rate?

ZILLOW HOME LOANS, LLC has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/zillow-home-loans

### How to Cite

> "ZILLOW HOME LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/zillow-home-loans

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