Zillow Home Loans Mortgage Rates, Fees & Info

TOPEKA, KS

LEI: 549300370QILXLFUWD20

Tax ID: 48-1236121

5 stars - out of 5 stars, based on 78 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Zillow Home Loans is a small mortgage company specializing in Refi and Home Purchase loans. Zillow Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Seattle, Atlanta, Washington, Los Angeles, and Phoenix among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Zillow Home Loans is typically an average fee lendor.


Originations

6,123

Origination Dollar Volume (All Markets)

$1,756,185,000
Show all (94) awards

Relative Rate

Zillow Home Loans 's average 30 year fixed rate mortgage of loans were 3.17%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.19%.

Relative Fees

Zillow Home Loans 's average total fees for a 30 year fixed rate mortgage are $3,452.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 464 $188,160,000 $405,517 $3,281 2.93%
Outside of Metro Areas 515 $107,905,000 $209,524 $3,152 3.29%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 284 $73,730,000 $259,613 $3,073 3.17%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 167 $61,615,000 $368,952 $3,045 2.90%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 155 $60,295,000 $389,000 $3,465 2.93%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 179 $52,375,000 $292,598 $3,545 3.07%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 136 $49,890,000 $366,838 $3,380 3.05%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 131 $42,835,000 $326,985 $3,660 2.96%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 131 $36,465,000 $278,359 $3,108 3.01%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 82 $34,010,000 $414,756 $3,315 2.84%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 128 $33,810,000 $264,141 $4,244 3.09%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 115 $32,575,000 $283,261 $4,774 3.09%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 74 $32,370,000 $437,432 $3,311 2.95%
KANSAS CITY, MO-KS (FHA|USDA|VA) 143 $31,605,000 $221,014 $2,771 3.23%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 105 $30,795,000 $293,286 $3,552 3.02%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 72 $26,680,000 $370,556 $2,799 2.93%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 86 $22,700,000 $263,953 $3,542 3.15%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 68 $21,780,000 $320,294 $2,903 2.88%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 70 $21,690,000 $309,857 $2,947 3.10%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 43 $21,105,000 $490,814 $3,612 2.92%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 67 $20,225,000 $301,866 $4,215 2.95%
RALEIGH-CARY, NC (FHA|USDA|VA) 66 $18,890,000 $286,212 $3,176 3.01%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 64 $18,540,000 $289,688 $3,200 3.09%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 57 $18,375,000 $322,368 $4,076 3.06%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA (FHA|USDA|VA) 49 $17,885,000 $365,000 $3,385 2.79%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 61 $17,375,000 $284,836 $4,080 2.99%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 47 $16,915,000 $359,894 $2,879 2.99%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 60 $16,380,000 $273,000 $3,161 3.04%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 63 $15,805,000 $250,873 $3,862 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 54 $12,770,000 $236,481 $4,162 3.13%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 30 $12,380,000 $412,667 $4,338 2.80%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 51 $12,305,000 $241,275 $4,200 3.12%
COLORADO SPRINGS, CO (FHA|USDA|VA) 40 $11,990,000 $299,750 $4,626 3.15%
ST. LOUIS, MO-IL (FHA|USDA|VA) 41 $9,975,000 $243,293 $2,777 3.15%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 41 $9,805,000 $239,146 $3,307 3.12%
BOSTON, MA (FHA|USDA|VA) 27 $9,305,000 $344,630 $3,181 3.01%
COLUMBUS, OH (FHA|USDA|VA) 35 $9,065,000 $259,000 $3,216 3.10%
RICHMOND, VA (FHA|USDA|VA) 32 $8,560,000 $267,500 $2,544 3.02%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 26 $8,090,000 $311,154 $3,991 3.11%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 39 $8,055,000 $206,538 $2,810 3.27%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 32 $7,940,000 $248,125 $3,718 3.19%
JACKSONVILLE, FL (FHA|USDA|VA) 35 $7,905,000 $225,857 $2,692 3.13%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 27 $7,585,000 $280,926 $2,756 3.05%
PHILADELPHIA, PA (FHA|USDA|VA) 31 $7,445,000 $240,161 $4,337 3.03%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 18 $7,020,000 $390,000 $2,784 3.13%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 18 $7,000,000 $388,889 $2,914 2.87%
KNOXVILLE, TN (FHA|USDA|VA) 25 $6,825,000 $273,000 $2,913 3.01%
FRESNO, CA (FHA|USDA|VA) 23 $6,775,000 $294,565 $3,197 3.16%
STOCKTON, CA (FHA|USDA|VA) 22 $6,570,000 $298,636 $2,816 3.14%
PITTSBURGH, PA (FHA|USDA|VA) 27 $6,535,000 $242,037 $3,989 3.10%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 28 $6,490,000 $231,786 $2,966 3.04%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 18 $6,440,000 $357,778 $3,883 3.08%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 25 $6,425,000 $257,000 $2,985 3.07%
BOULDER, CO (FHA|USDA|VA) 19 $6,375,000 $335,526 $3,242 2.87%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 23 $6,275,000 $272,826 $3,610 3.04%
BOISE CITY, ID (FHA|USDA|VA) 22 $6,030,000 $274,091 $4,522 3.06%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 22 $5,940,000 $270,000 $3,643 3.14%
WORCESTER, MA-CT (FHA|USDA|VA) 20 $5,780,000 $289,000 $3,195 3.16%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 27 $5,725,000 $212,037 $3,779 3.08%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 20 $5,640,000 $282,000 $4,665 3.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 18 $5,620,000 $312,222 $3,124 3.13%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 22 $5,550,000 $252,273 $4,369 3.16%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 18 $5,420,000 $301,111 $2,777 2.89%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 19 $5,265,000 $277,105 $4,211 3.32%
COLUMBIA, SC (FHA|USDA|VA) 22 $5,060,000 $230,000 $2,927 3.21%
TUCSON, AZ (FHA|USDA|VA) 24 $5,010,000 $208,750 $3,351 3.19%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 21 $4,925,000 $234,524 $3,535 2.96%
BELLINGHAM, WA (FHA|USDA|VA) 14 $4,860,000 $347,143 $2,926 2.89%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 24 $4,650,000 $193,750 $3,271 3.25%
GREELEY, CO (FHA|USDA|VA) 13 $4,585,000 $352,692 $3,952 3.15%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 17 $4,385,000 $257,941 $4,013 3.41%
FORT COLLINS, CO (FHA|USDA|VA) 16 $4,270,000 $266,875 $3,326 3.01%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 14 $4,250,000 $303,571 $4,284 3.05%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $4,245,000 $223,421 $3,130 3.34%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 20 $4,100,000 $205,000 $3,325 3.16%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 17 $4,055,000 $238,529 $3,761 3.20%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 19 $3,965,000 $208,684 $3,186 3.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 12 $3,930,000 $327,500 $3,461 3.15%
OKLAHOMA CITY, OK (FHA|USDA|VA) 21 $3,925,000 $186,905 $3,337 3.20%
BAKERSFIELD, CA (FHA|USDA|VA) 12 $3,810,000 $317,500 $3,961 3.05%
ALBUQUERQUE, NM (FHA|USDA|VA) 18 $3,790,000 $210,556 $3,765 3.21%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 15 $3,755,000 $250,333 $4,135 3.03%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 9 $3,685,000 $409,444 $2,677 2.97%
VALLEJO, CA (FHA|USDA|VA) 12 $3,660,000 $305,000 $2,628 2.90%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 17 $3,655,000 $215,000 $2,413 3.26%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 14 $3,650,000 $260,714 $3,606 3.13%
GARY, IN (FHA|USDA|VA) 19 $3,615,000 $190,263 $2,669 3.20%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 17 $3,605,000 $212,059 $2,796 3.13%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 16 $3,510,000 $219,375 $3,698 3.16%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 9 $3,475,000 $386,111 $2,672 2.81%
SALEM, OR (FHA|USDA|VA) 14 $3,450,000 $246,429 $4,016 2.98%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 16 $3,440,000 $215,000 $2,819 3.14%
YAKIMA, WA (FHA|USDA|VA) 11 $3,415,000 $310,455 $2,786 3.00%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 10 $3,380,000 $338,000 $3,666 2.98%
SALINAS, CA (FHA|USDA|VA) 8 $3,360,000 $420,000 $3,871 3.23%
SALISBURY, MD-DE (FHA|USDA|VA) 13 $3,355,000 $258,077 $4,307 3.18%
BEND, OR (FHA|USDA|VA) 11 $3,335,000 $303,182 $3,585 2.89%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 13 $3,325,000 $255,769 $3,598 3.13%
COEUR D'ALENE, ID (FHA|USDA|VA) 12 $3,320,000 $276,667 $5,531 3.13%
TALLAHASSEE, FL (FHA|USDA|VA) 14 $3,190,000 $227,857 $4,218 3.38%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 14 $3,150,000 $225,000 $3,210 3.25%
SAVANNAH, GA (FHA|USDA|VA) 13 $3,035,000 $233,462 $3,279 3.14%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 14 $3,030,000 $216,429 $3,999 3.21%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 8 $2,920,000 $365,000 $2,780 2.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 14 $2,830,000 $202,143 $3,500 3.31%
RENO, NV (FHA|USDA|VA) 9 $2,825,000 $313,889 $3,312 3.18%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 11 $2,815,000 $255,909 $4,098 3.39%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 8 $2,590,000 $323,750 $2,834 3.22%
TULSA, OK (FHA|USDA|VA) 11 $2,515,000 $228,636 $4,372 3.18%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 11 $2,505,000 $227,727 $3,326 3.14%
OCALA, FL (FHA|USDA|VA) 12 $2,460,000 $205,000 $2,855 3.39%
LANCASTER, PA (FHA|USDA|VA) 11 $2,425,000 $220,455 $3,181 3.22%
WILMINGTON, NC (FHA|USDA|VA) 9 $2,405,000 $267,222 $2,912 2.92%
LAWRENCE, KS (FHA|USDA|VA) 9 $2,305,000 $256,111 $2,933 3.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 10 $2,300,000 $230,000 $5,028 2.99%
WINSTON-SALEM, NC (FHA|USDA|VA) 10 $2,290,000 $229,000 $2,319 3.28%
ASHEVILLE, NC (FHA|USDA|VA) 7 $2,245,000 $320,714 $3,814 3.20%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 10 $2,210,000 $221,000 $3,063 3.34%
ANN ARBOR, MI (FHA|USDA|VA) 7 $2,165,000 $309,286 $1,968 3.14%
AKRON, OH (FHA|USDA|VA) 8 $2,150,000 $268,750 $2,857 2.83%
SAN RAFAEL, CA (FHA|USDA|VA) 5 $2,135,000 $427,000 $5,148 3.08%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $2,135,000 $164,231 $3,250 3.23%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 6 $2,100,000 $350,000 $3,360 2.92%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 9 $2,005,000 $222,778 $3,166 3.03%
WINCHESTER, VA-WV (FHA|USDA|VA) 6 $2,000,000 $333,333 $2,684 2.67%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 8 $1,990,000 $248,750 $4,209 3.09%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $1,985,000 $283,571 $2,800 3.09%
WICHITA, KS (FHA|USDA|VA) 10 $1,970,000 $197,000 $3,123 3.28%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $1,950,000 $243,750 $3,625 2.95%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $1,945,000 $277,857 $4,106 3.04%
GAINESVILLE, GA (FHA|USDA|VA) 8 $1,940,000 $242,500 $3,579 3.03%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 9 $1,915,000 $212,778 $3,402 3.17%
PORT ST. LUCIE, FL (FHA|USDA|VA) 7 $1,895,000 $270,714 $4,180 3.09%
SALT LAKE CITY, UT (FHA|USDA|VA) 6 $1,880,000 $313,333 $2,225 3.15%
WENATCHEE, WA (FHA|USDA|VA) 7 $1,865,000 $266,429 $2,933 3.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 7 $1,855,000 $265,000 $2,143 3.14%
SPRINGFIELD, MA (FHA|USDA|VA) 7 $1,825,000 $260,714 $4,189 3.14%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 8 $1,800,000 $225,000 $1,807 3.22%
HUNTSVILLE, AL (FHA|USDA|VA) 7 $1,775,000 $253,571 $4,691 3.00%
MODESTO, CA (FHA|USDA|VA) 7 $1,745,000 $249,286 $4,011 2.88%
FORT WAYNE, IN (FHA|USDA|VA) 9 $1,695,000 $188,333 $2,799 3.29%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $1,685,000 $187,222 $3,218 3.11%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,660,000 $276,667 $4,693 3.10%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH (FHA|USDA|VA) 5 $1,655,000 $331,000 $4,345 3.13%
GAINESVILLE, FL (FHA|USDA|VA) 8 $1,650,000 $206,250 $2,999 3.09%
PUEBLO, CO (FHA|USDA|VA) 6 $1,640,000 $273,333 $4,470 2.98%
PANAMA CITY, FL (FHA|USDA|VA) 7 $1,595,000 $227,857 $2,807 3.11%
DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $1,590,000 $198,750 $2,922 3.16%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,585,000 $176,111 $3,970 3.19%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,560,000 $260,000 $3,628 3.44%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,550,000 $258,333 $4,294 3.15%
MERCED, CA (FHA|USDA|VA) 6 $1,540,000 $256,667 $2,639 3.00%
MEDFORD, OR (FHA|USDA|VA) 6 $1,530,000 $255,000 $3,117 3.33%
LONGVIEW, WA (FHA|USDA|VA) 6 $1,490,000 $248,333 $2,601 2.96%
ELGIN, IL (FHA|USDA|VA) 7 $1,485,000 $212,143 $2,661 3.18%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $1,475,000 $295,000 $3,879 3.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 6 $1,470,000 $245,000 $3,053 3.38%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $1,425,000 $285,000 $2,388 3.10%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $1,360,000 $340,000 $3,542 2.94%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 7 $1,345,000 $192,143 $2,961 3.41%
EAST STROUDSBURG, PA (FHA|USDA|VA) 8 $1,330,000 $166,250 $3,655 3.33%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $1,310,000 $218,333 $4,145 3.23%
JACKSON, MS (FHA|USDA|VA) 6 $1,270,000 $211,667 $3,566 3.23%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,260,000 $210,000 $5,082 3.21%
JOPLIN, MO (FHA|USDA|VA) 6 $1,250,000 $208,333 $2,656 3.40%
LUBBOCK, TX (FHA|USDA|VA) 6 $1,230,000 $205,000 $3,976 3.33%
SANTA FE, NM (FHA|USDA|VA) 4 $1,230,000 $307,500 $3,461 2.94%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,170,000 $292,500 $3,557 2.97%
LINCOLN, NE (FHA|USDA|VA) 5 $1,165,000 $233,000 $3,885 3.33%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,155,000 $165,000 $3,763 3.25%
LAS CRUCES, NM (FHA|USDA|VA) 5 $1,135,000 $227,000 $3,425 3.35%
CHICO, CA (FHA|USDA|VA) 5 $1,135,000 $227,000 $4,316 3.10%
BATON ROUGE, LA (FHA|USDA|VA) 6 $1,130,000 $188,333 $3,566 3.31%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,672 3.35%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,105,000 $221,000 $3,098 3.48%
PITTSFIELD, MA (FHA|USDA|VA) 4 $1,100,000 $275,000 $3,733 3.38%
MADISON, WI (FHA|USDA|VA) 5 $1,095,000 $219,000 $3,077 3.10%
TOLEDO, OH (FHA|USDA|VA) 6 $1,070,000 $178,333 $3,470 3.27%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,057 3.30%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 6 $1,020,000 $170,000 $4,033 3.02%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $985,000 $328,333 $2,936 2.71%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $975,000 $195,000 $3,496 3.18%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $930,000 $232,500 $5,385 3.41%
LYNCHBURG, VA (FHA|USDA|VA) 5 $925,000 $185,000 $1,984 3.30%
SPRINGFIELD, MO (FHA|USDA|VA) 6 $920,000 $153,333 $3,447 3.63%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 4 $920,000 $230,000 $2,782 3.06%
GREEN BAY, WI (FHA|USDA|VA) 3 $915,000 $305,000 $2,134 3.46%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $915,000 $183,000 $3,062 3.35%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $895,000 $298,333 $5,489 3.00%
THE VILLAGES, FL (FHA|USDA|VA) 4 $890,000 $222,500 $3,746 3.09%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $885,000 $295,000 $3,034 2.71%
NEWARK, NJ-PA (FHA|USDA|VA) 4 $860,000 $215,000 $5,212 3.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $855,000 $171,000 $3,913 2.98%
DALTON, GA (FHA|USDA|VA) 2 $840,000 $420,000 $1,287 3.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $835,000 $278,333 $6,100 2.92%
EL PASO, TX (FHA|USDA|VA) 4 $820,000 $205,000 $2,849 3.22%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $815,000 $271,667 $2,561 3.17%
FLORENCE, SC (FHA|USDA|VA) 3 $805,000 $268,333 $1,823 2.92%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $785,000 $261,667 $2,147 3.17%
MUSKEGON, MI (FHA|USDA|VA) 3 $775,000 $258,333 $5,296 3.08%
CORVALLIS, OR (FHA|USDA|VA) 3 $745,000 $248,333 $2,940 2.83%
SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $740,000 $185,000 $4,908 3.31%
MANHATTAN, KS (FHA|USDA|VA) 4 $730,000 $182,500 $1,651 3.53%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $725,000 $241,667 $4,015 2.96%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $705,000 $141,000 $2,923 3.60%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $695,000 $231,667 $5,151 3.17%
READING, PA (FHA|USDA|VA) 4 $690,000 $172,500 $5,216 3.31%
LAFAYETTE, LA (FHA|USDA|VA) 3 $685,000 $228,333 $3,215 3.25%
MADERA, CA (FHA|USDA|VA) 2 $670,000 $335,000 $3,457 3.38%
DULUTH, MN-WI (FHA|USDA|VA) 4 $670,000 $167,500 $2,184 3.09%
STAUNTON, VA (FHA|USDA|VA) 4 $660,000 $165,000 $3,090 3.34%
LEBANON, PA (FHA|USDA|VA) 3 $655,000 $218,333 $4,147 2.83%
ABILENE, TX (FHA|USDA|VA) 4 $650,000 $162,500 $3,106 3.72%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $645,000 $215,000 $1,772 3.17%
RACINE, WI (FHA|USDA|VA) 3 $635,000 $211,667 $2,137 3.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $630,000 $315,000 $2,033 3.06%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $630,000 $157,500 $2,485 3.38%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $625,000 $208,333 $2,678 2.92%
MONROE, LA (FHA|USDA|VA) 3 $615,000 $205,000 $3,438 3.29%
FLINT, MI (FHA|USDA|VA) 3 $615,000 $205,000 $3,727 2.96%
COLUMBIA, MO (FHA|USDA|VA) 3 $595,000 $198,333 $1,216 3.38%
WALLA WALLA, WA (FHA|USDA|VA) 2 $590,000 $295,000 $2,638 3.00%
LAREDO, TX (FHA|USDA|VA) 2 $580,000 $290,000 $5,510 2.88%
MOBILE, AL (FHA|USDA|VA) 3 $565,000 $188,333 $3,782 3.21%
SPARTANBURG, SC (FHA|USDA|VA) 3 $565,000 $188,333 $2,257 3.75%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 4 $550,000 $137,500 $3,578 3.47%
MORRISTOWN, TN (FHA|USDA|VA) 2 $550,000 $275,000 $4,063 2.94%
REDDING, CA (FHA|USDA|VA) 3 $545,000 $181,667 $3,225 3.54%
HATTIESBURG, MS (FHA|USDA|VA) 3 $545,000 $181,667 $2,667 3.29%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $545,000 $181,667 $1,830 3.58%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $545,000 $181,667 $2,431 3.13%
JACKSON, TN (FHA|USDA|VA) 3 $535,000 $178,333 $3,195 3.42%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $535,000 $178,333 $7,453 3.67%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $530,000 $265,000 $2,947 2.81%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $530,000 $265,000 $6,848 3.38%
FARGO, ND-MN (FHA|USDA|VA) 2 $520,000 $260,000 $2,421 3.25%
DECATUR, IL (FHA|USDA|VA) 3 $515,000 $171,667 $2,158 3.25%
FORT SMITH, AR-OK (FHA|USDA|VA) 3 $505,000 $168,333 $3,552 3.50%
VISALIA, CA (FHA|USDA|VA) 2 $490,000 $245,000 $5,610 2.94%
HARRISONBURG, VA (FHA|USDA|VA) 2 $490,000 $245,000 $2,742 3.19%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $480,000 $240,000 $4,041 3.19%
TOPEKA, KS (FHA|USDA|VA) 3 $445,000 $148,333 $2,686 3.21%
ROCHESTER, MN (FHA|USDA|VA) 2 $430,000 $215,000 $2,698 2.88%
BRUNSWICK, GA (FHA|USDA|VA) 2 $430,000 $215,000 $4,616 3.75%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $400,000 $200,000 $2,581 3.31%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $400,000 $200,000 $2,874 3.00%
JACKSON, MI (FHA|USDA|VA) 2 $390,000 $195,000 $2,802 3.31%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $390,000 $195,000 $2,315 3.31%
MISSOULA, MT (FHA|USDA|VA) 1 $385,000 $385,000 $2,768 3.13%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $380,000 $190,000 $1,138 3.69%
DOTHAN, AL (FHA|USDA|VA) 1 $375,000 $375,000 $2,719 2.75%
YUBA CITY, CA (FHA|USDA|VA) 2 $370,000 $185,000 $3,478 3.31%
ROANOKE, VA (FHA|USDA|VA) 2 $370,000 $185,000 $3,458 3.44%
PEORIA, IL (FHA|USDA|VA) 3 $365,000 $121,667 $2,768 3.46%
WACO, TX (FHA|USDA|VA) 2 $360,000 $180,000 $4,462 3.19%
LONGVIEW, TX (FHA|USDA|VA) 2 $360,000 $180,000 $5,316 3.25%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $360,000 $180,000 $5,825 2.81%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $355,000 $355,000 $1,944 2.88%
COLUMBUS, IN (FHA|USDA|VA) 2 $350,000 $175,000 $3,684 3.25%
VICTORIA, TX (FHA|USDA|VA) 3 $345,000 $115,000 $4,034 3.38%
MIDLAND, MI (FHA|USDA|VA) 1 $345,000 $345,000 $2,706 2.88%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $340,000 $170,000 $1,705 3.38%
AMARILLO, TX (FHA|USDA|VA) 2 $340,000 $170,000 $4,426 3.50%
TYLER, TX (FHA|USDA|VA) 2 $330,000 $165,000 $4,265 3.00%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $330,000 $165,000 $1,601 3.31%
BURLINGTON, NC (FHA|USDA|VA) 2 $330,000 $165,000 $2,586 3.19%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $320,000 $160,000 $4,699 3.94%
NEW BERN, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,306 2.75%
AMES, IA (FHA|USDA|VA) 2 $310,000 $155,000 $1,687 3.56%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $310,000 $155,000 $1,771 3.75%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $305,000 $305,000 $10,036 3.00%
TWIN FALLS, ID (FHA|USDA|VA) 1 $305,000 $305,000 $2,776 2.88%
ANCHORAGE, AK (FHA|USDA|VA) 1 $305,000 $305,000 $2,500 3.00%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $300,000 $150,000 $1,724 3.56%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $300,000 $150,000 $1,746 3.25%
DOVER, DE (FHA|USDA|VA) 1 $295,000 $295,000 $8,712 3.00%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $290,000 $145,000 $2,656 3.88%
VALDOSTA, GA (FHA|USDA|VA) 2 $280,000 $140,000 $2,430 3.25%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $280,000 $140,000 $2,216 3.06%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $275,000 $275,000 $5,510 3.00%
ERIE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $3,286 3.63%
ALBANY, GA (FHA|USDA|VA) 1 $265,000 $265,000 $5,094 2.88%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $260,000 $130,000 $2,983 3.63%
ROME, GA (FHA|USDA|VA) 1 $255,000 $255,000 $3,314 3.88%
HINESVILLE, GA (FHA|USDA|VA) 1 $255,000 $255,000 $450 3.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $255,000 $255,000 $5,754 3.75%
MIDLAND, TX (FHA|USDA|VA) 1 $255,000 $255,000 $2,679 2.63%
ODESSA, TX (FHA|USDA|VA) 1 $245,000 $245,000 $7,983 2.75%
DECATUR, AL (FHA|USDA|VA) 2 $240,000 $120,000 $1,987 3.63%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $235,000 $235,000 $3,629 3.00%
ST. CLOUD, MN (FHA|USDA|VA) 2 $230,000 $115,000 $2,254 4.25%
GREENVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $6,165 3.25%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $225,000 $225,000 $1,686 3.38%
MUNCIE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,420 3.50%
MANSFIELD, OH (FHA|USDA|VA) 2 $220,000 $110,000 $2,504 3.81%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $220,000 $110,000 $3,397 3.38%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $215,000 $215,000 $2,087 3.38%
GETTYSBURG, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,040 3.00%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $200,000 $100,000 $2,547 3.06%
WHEELING, WV-OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,888 3.13%
YUMA, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $2,536 3.50%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $195,000 $195,000 $4,090 3.63%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $3,386 3.88%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,355 3.00%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $165,000 $165,000 $5,321 3.25%
MANKATO, MN (FHA|USDA|VA) 1 $165,000 $165,000 $3,359 3.00%
GRANTS PASS, OR (FHA|USDA|VA) 1 $165,000 $165,000 $3,275 3.13%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $525 3.00%
FOND DU LAC, WI (FHA|USDA|VA) 1 $155,000 $155,000 $4,414 3.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,730 2.88%
JONESBORO, AR (FHA|USDA|VA) 1 $145,000 $145,000 $7,287 3.13%
MONTGOMERY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $5,123 3.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $135,000 $135,000 $1,619 3.25%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $135,000 $135,000 $4,613 2.88%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,144 3.63%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,675 3.88%
ROCKFORD, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,348 3.00%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,568 3.13%
BAY CITY, MI (FHA|USDA|VA) 1 $125,000 $125,000 $5,413 3.63%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,750 3.75%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $115,000 $115,000 $3,044 3.13%
SUMTER, SC (FHA|USDA|VA) 1 $105,000 $105,000 $2,342 4.00%
GADSDEN, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,203 3.75%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $95,000 $95,000 $3,991 4.25%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $85,000 $85,000 $2,342 4.13%
POCATELLO, ID (FHA|USDA|VA) 1 $75,000 $75,000 $4,362 4.63%

Zillow Home Loans 's top markets include Seattle, Atlanta, Washington, Los Angeles, and Phoenix among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 5,357 $1,583,485,000 $295,592 $3,121 3.06%
FHA 549 $113,515,000 $206,767 $5,558 3.33%
VA 181 $53,215,000 $294,006 $5,157 3.22%
USDA 36 $5,970,000 $165,833 $3,484 3.43%

For the 2020 period, Zillow Home Loans 's most frequently originated loan type of loans were Conventional, with 5,357 originations. Their 2nd most popular type is FHA, with 549 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 3,183 $972,325,000 $305,474 $3,156 2.94%
Home Purchase 2,160 $541,270,000 $250,588 $3,696 3.33%
Cash Out Refi 780 $242,590,000 $311,013 $3,577 3.04%

For the 2020, Zillow Home Loans 's most frequently cited loan purpose of loans were Refi, with 3,183 originations. The 2nd most popular reason of loans were Home Purchase, with 2,160 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 5,060 $1,453,030,000 $287,160 $3,452 3.17%
15 Year 865 $246,755,000 $285,266 $3,198 2.63%
20 Year 143 $40,705,000 $284,650 $2,977 2.94%
Other 48 $14,200,000 $295,833 $2,660 2.98%
10 Year 7 $1,495,000 $213,571 $4,996 2.66%

For the 2020, Zillow Home Loans 's most frequently cited loan length of loans were 30 Year, with 5,060 originations. The 2nd most popular length of loans were 15 Year, with 865 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 4,042 $1,213,880,000 $300,317
$1k-2k 864 $206,420,000 $238,912
$2k-3k 524 $133,140,000 $254,084
$3k-4k 500 $129,030,000 $258,060
$5k+ 193 $73,715,000 $381,943

$3,452 of loans were Zillow Home Loans 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 4,042 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 2,944 $749,910,000 $254,725
2.5-3% 2,454 $768,920,000 $313,333
<2.5% 602 $214,500,000 $356,312
4-5% 121 $22,585,000 $186,653
5-6% 2 $270,000 $135,000

During 2020, Zillow Home Loans 's average interest rate of loans were 3.17%, while their most frequently originated rate bucket of loans were 3-4%, with 2,944 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,212 $916,380,000 $285,299 $3,473 3.05%
$100k-200k 1,647 $261,305,000 $158,655 $3,188 3.28%
$400k-600k 1,093 $513,125,000 $469,465 $3,372 2.87%
$100,000 or less 86 $7,390,000 $85,930 $2,872 3.74%
$600k-1MM 85 $57,985,000 $682,176 $5,640 3.13%

2020 saw Zillow Home Loans place emphasis on $200k-400k loans with 3,212 originations, totaling $916,380,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 1,766 $545,040,000 $308,630 $3,352 3.03%
$150k-250k 1,304 $481,480,000 $369,233 $3,476 2.97%
$50k-75k 1,117 $235,305,000 $210,658 $3,403 3.23%
$75k-100k 1,074 $281,920,000 $262,495 $3,481 3.12%
$50k or less 497 $78,835,000 $158,622 $3,210 3.33%
$250k+ 306 $116,930,000 $382,124 $3,463 2.93%

Zillow Home Loans lent most frequently to those with incomes in the $100k-150k range, with 1,766 originations. The second most popular income band? $150k-250k, with 1,304 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,600 $480,230,000 $300,144 $3,193 3.01%
30-36% 1,122 $330,850,000 $294,875 $3,171 3.09%
<20% 725 $200,655,000 $276,766 $3,136 2.96%
40% 209 $63,045,000 $301,651 $3,304 3.12%
50-60% 209 $48,225,000 $230,742 $5,582 3.27%
39% 203 $57,295,000 $282,241 $3,443 3.20%
38% 201 $57,235,000 $284,751 $3,538 3.18%
37% 195 $60,795,000 $311,769 $3,458 3.08%
42% 191 $52,375,000 $274,215 $3,516 3.18%
44% 185 $49,865,000 $269,541 $3,488 3.20%
43% 182 $48,730,000 $267,747 $3,400 3.19%
41% 179 $51,155,000 $285,782 $3,455 3.14%
36% 176 $51,910,000 $294,943 $3,317 3.14%
49% 162 $42,800,000 $264,198 $3,721 3.24%
45% 141 $39,105,000 $277,340 $3,859 3.15%
48% 133 $34,445,000 $258,985 $3,789 3.17%
47% 131 $36,085,000 $275,458 $3,998 3.17%
46% 114 $33,130,000 $290,614 $3,628 3.15%
>60% 5 $1,365,000 $273,000 $8,307 3.35%

Zillow Home Loans lent most frequently to those with DTI ratios of 20-30%, with 1,600 originations. The next most common DTI ratio? 30-36%, with 1,122 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 4,104 $1,132,160,000 $275,867 $3,364 3.12%
Not provided 1,029 $314,995,000 $306,118 $3,417 3.03%
Asian 582 $199,070,000 $342,045 $3,330 2.91%
Black 302 $77,910,000 $257,980 $3,844 3.18%
American Indian 52 $13,490,000 $259,423 $3,863 3.20%
Asian Indian 24 $8,790,000 $366,250 $4,024 2.96%
Native Hawaiian 12 $3,530,000 $294,167 $3,542 3.30%
Chinese 5 $2,285,000 $457,000 $3,470 3.13%
Other Asian 5 $2,045,000 $409,000 $3,767 3.00%
Vietnamese 5 $1,295,000 $259,000 $2,813 3.15%
Japanese 1 $305,000 $305,000 $2,653 3.63%
Guamanian 1 $175,000 $175,000 $3,676 2.88%
Korean 1 $135,000 $135,000 $2,818 3.38%

Approval Rates

Total approvals of all applications
89.43%

Zillow Home Loans has an average approval rate.

Pick Rate

Approvals leading to origination
47.49%

Zillow Home Loans has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 6,123 $1,756,185,000 $286,818

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Site-Built 6,123 $1,756,185,000 $286,818

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 321 $79,835,000 $248,707 $3,106 2.93%
40-60% 1,249 $393,435,000 $315,000 $3,071 2.87%
60-80% 2,241 $677,885,000 $302,492 $3,347 3.05%
80-100% 2,202 $573,310,000 $260,359 $3,576 3.27%
Over 100% 28 $9,430,000 $336,786 $13,131 3.28%
Under 20% 24 $5,810,000 $242,083 $3,227 2.94%