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We analyzed every closed loan from Zillow Home Loans — 9.4k loans across 13k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Strong
National · 49 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Zillow Home Loans, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +43.5 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 6,646 | 71.0% | +0.428%Above | $2,695Fees | ||||
FHA Loans | 2,151 | 23.0% | +0.557%Above | $3,569Fees | ||||
VA Loans | 527 | 5.6% | -0.283%Below | $2,935Fees | ||||
Jumbo Loans | 32 | 0.3% | +0.229%Above | $2,666Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 9,285 | 99.2% | +0.435%Above | $2,912Fees | ||||
Refinance | 71 | 0.8% | +0.346%Above | $2,161Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
9,356
Applications
13,032
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.435%
vs. market APOR
Avg Net Fees
$2,906
Origination − Credits
Pullthrough Rate
71.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$333,365
Avg Borrower Income
$126,309
Avg Property Value
$400,213
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
50
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Atlanta, GAMSA
Volume: 582Mix: 6.22%of portfolio
Place
Exceptional2
Charlotte, NC-SCMSA
Volume: 429Mix: 4.59%of portfolio
Place
Exceptional3
Raleigh, NCMSA
Volume: 284Mix: 3.04%of portfolio
Place
Strong4
Phoenix, AZMSA
Volume: 631Mix: 6.74%of portfolio
Place
Strong5
Denver, COMSA
Volume: 464Mix: 4.96%of portfolio
Place
Strong6
Marietta, GA, GAMSA
Volume: 217Mix: 2.32%of portfolio
Place
Strong7
Portland, OR-WAMSA
Volume: 230Mix: 2.46%of portfolio
Place
Strong8
Orlando, FLMSA
Volume: 198Mix: 2.12%of portfolio
Place
Strong9
Las Vegas, NVMSA
Volume: 154Mix: 1.65%of portfolio
Place
Strong10
Riverside, CAMSA
Volume: 220Mix: 2.35%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 947Mix: 10.12%of portfolio
Place
Exceptional2
AZState
Volume: 673Mix: 7.19%of portfolio
Place
Strong3
NCState
Volume: 908Mix: 9.71%of portfolio
Place
Strong4
COState
Volume: 541Mix: 5.78%of portfolio
Place
Strong5
TXState
Volume: 857Mix: 9.16%of portfolio
Place
Strong6
CAState
Volume: 842Mix: 9.00%of portfolio
Place
Strong7
FLState
Volume: 756Mix: 8.08%of portfolio
Place
Strong8
ORState
Volume: 227Mix: 2.43%of portfolio
Place
Strong9
NVState
Volume: 170Mix: 1.82%of portfolio
Place
Strong10
SCState
Volume: 198Mix: 2.12%of portfolio
Place
StrongShowing 10 of 46 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.