Zillow Home Loans
We analyzed every closed loan from Zillow Home Loans — 9.4k loans across 13k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+43.5 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
6,646 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
FHA
2,151 loans · 0.56% above market
Exceptional
Top 20% of lenders
5/5
VA
527 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
Jumbo
32 loans · 0.23% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
9,285 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
Refinance
71 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume6,646
Mix71.0%
Spread
+0.428%Above
Fees
$2,695Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,151
Mix23.0%
Spread
+0.557%Above
Fees
$3,569Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume527
Mix5.6%
Spread
-0.283%Below
Fees
$2,935Fees
Jumbo Loans
OverallSound
ProductSound
PricingSound
Pull ThroughMediocre
Volume32
Mix0.3%
Spread
+0.229%Above
Fees
$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 |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume9,285
Mix99.2%
Spread
+0.435%Above
Fees
$2,912Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume71
Mix0.8%
Spread
+0.346%Above
Fees
$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
markets with activity
States Served
50
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
50Full-year 2024 · HMDALoans originated
< 2020–5050–100100–200200+None
Northeast8
CTMEMANHNJPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 46 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.