Zillow Home Loans Mortgage Rates, Fees & Info

TOPEKA, KS

LEI: 549300370QILXLFUWD20

Tax ID: 48-1236121

5 stars - Updated: 6/24/24 - out of 5 stars, based on 72 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Zillow Home Loans is a small mortgage company specializing in Home Purchase loans. Zillow Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Atlanta, Phoenix, Raleigh, Denver, and Dallas among others. We have data for 599 markets. (Some data included below & more in-depth data is available with an active subscription.)

Zillow Home Loans has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Zillow Home Loans is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.70% 6/24/24
30 Year Conventional Refi 6.31% 6/24/24
30 Year Cash-out Refi 6.61% 6/24/24
30 Year FHA Purchase 7.17% 6/24/24
30 Year FHA Refi 6.67% 6/24/24
30 Year VA Purchase 6.14% 6/24/24
30 Year VA Refi 6.05% 6/24/24
15 Year Conventional Purchase 5.95% 6/24/24
15 Year Conventional Refi 5.83% 6/24/24
15 Year Cash-out Refi 5.83% 6/24/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Zillow Home Loans Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Zillow Home Loans. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,232

Origination Dollar Volume (All Markets)

$1,551,320,000
Show all (12) awards

Relative Rate

Zillow Home Loans's average 30 year fixed mortgage rate was 6.74%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.26%.

Relative Fees (Closing Costs)

Zillow Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $7,987.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 547 $179,415,000 $327,998 $8,591 6.64%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 357 $134,705,000 $377,325 $9,972 6.64%
Outside of Metro Areas 304 $66,630,000 $219,178 $6,984 6.91%
RALEIGH-CARY, NC (FHA|USDA|VA) 167 $60,835,000 $364,281 $7,710 6.62%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 138 $57,440,000 $416,232 $8,399 6.62%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 116 $39,510,000 $340,603 $9,201 6.57%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 60 $30,730,000 $512,167 $10,538 6.53%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 97 $30,025,000 $309,536 $7,871 6.91%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 44 $24,690,000 $561,136 $13,589 6.67%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 99 $24,635,000 $248,838 $7,872 6.80%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 39 $23,695,000 $607,564 $10,850 6.73%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 56 $23,460,000 $418,929 $8,930 6.68%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 72 $19,100,000 $265,278 $8,668 6.77%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 48 $18,830,000 $392,292 $10,433 6.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 41 $18,815,000 $458,902 $12,221 6.58%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 71 $18,645,000 $262,606 $7,301 6.79%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 47 $17,865,000 $380,106 $9,226 6.72%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 54 $17,030,000 $315,370 $8,703 6.64%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 48 $16,690,000 $347,708 $6,582 6.71%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 49 $15,565,000 $317,653 $7,252 7.10%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 50 $15,550,000 $311,000 $8,412 6.56%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 38 $13,210,000 $347,632 $10,119 6.33%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 61 $12,625,000 $206,967 $5,512 6.93%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 41 $12,065,000 $294,268 $9,987 6.23%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 30 $11,770,000 $392,333 $10,836 6.62%
KANSAS CITY, MO-KS (FHA|USDA|VA) 48 $11,370,000 $236,875 $6,185 6.61%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 53 $11,315,000 $213,491 $5,905 6.82%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 38 $10,000,000 $263,158 $8,761 6.95%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 17 $9,775,000 $575,000 $13,885 6.66%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 32 $9,570,000 $299,063 $8,885 6.67%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 22 $9,570,000 $435,000 $8,478 6.47%
ST. LOUIS, MO-IL (FHA|USDA|VA) 51 $9,505,000 $186,373 $5,594 6.89%
PITTSBURGH, PA (FHA|USDA|VA) 45 $8,355,000 $185,667 $7,067 6.83%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 26 $7,540,000 $290,000 $6,811 6.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 18 $7,400,000 $411,111 $9,950 6.72%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 18 $7,290,000 $405,000 $9,623 6.52%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 30 $6,910,000 $230,333 $6,272 6.85%
FAYETTEVILLE, NC (FHA|USDA|VA) 24 $6,430,000 $267,917 $7,563 6.57%
COLUMBUS, OH (FHA|USDA|VA) 21 $6,245,000 $297,381 $6,924 6.97%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 34 $6,220,000 $182,941 $6,537 7.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 28 $6,180,000 $220,714 $6,460 6.83%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 20 $6,050,000 $302,500 $8,279 6.56%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 19 $5,825,000 $306,579 $9,823 6.59%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $5,540,000 $461,667 $8,745 6.52%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 23 $5,345,000 $232,391 $7,210 6.60%
ASHEVILLE, NC (FHA|USDA|VA) 16 $5,240,000 $327,500 $7,447 6.62%
GAINESVILLE, GA (FHA|USDA|VA) 15 $5,235,000 $349,000 $8,347 6.71%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $5,040,000 $630,000 $9,150 6.55%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 20 $5,020,000 $251,000 $8,417 6.93%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 18 $5,000,000 $277,778 $6,573 6.71%
RICHMOND, VA (FHA|USDA|VA) 15 $4,775,000 $318,333 $6,688 6.67%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 14 $4,590,000 $327,857 $6,631 6.65%
TUCSON, AZ (FHA|USDA|VA) 17 $4,455,000 $262,059 $7,784 6.88%
WORCESTER, MA-CT (FHA|USDA|VA) 13 $4,445,000 $341,923 $6,908 6.76%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 16 $4,440,000 $277,500 $9,446 6.57%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 14 $4,430,000 $316,429 $8,053 6.57%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 15 $4,365,000 $291,000 $9,396 6.58%
JACKSONVILLE, FL (FHA|USDA|VA) 16 $4,360,000 $272,500 $7,820 6.67%
TULSA, OK (FHA|USDA|VA) 18 $4,280,000 $237,778 $7,929 6.80%
COLUMBIA, SC (FHA|USDA|VA) 15 $4,085,000 $272,333 $7,426 6.87%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 9 $4,085,000 $453,889 $9,757 6.83%
LOUISVILLE, KY (FHA|USDA|VA) 18 $4,030,000 $223,889 $6,742 7.01%
BOISE CITY, ID (FHA|USDA|VA) 11 $4,025,000 $365,909 $10,427 6.33%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 12 $3,990,000 $332,500 $8,225 6.55%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 17 $3,915,000 $230,294 $6,495 6.73%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 15 $3,875,000 $258,333 $8,995 6.57%
ALBUQUERQUE, NM (FHA|USDA|VA) 12 $3,870,000 $322,500 $7,420 6.83%
STOCKTON, CA (FHA|USDA|VA) 7 $3,825,000 $546,429 $14,112 6.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 16 $3,570,000 $223,125 $7,196 6.72%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $3,515,000 $703,000 $11,888 6.45%
KNOXVILLE, TN (FHA|USDA|VA) 14 $3,500,000 $250,000 $6,434 6.88%
WILMINGTON, NC (FHA|USDA|VA) 12 $3,490,000 $290,833 $7,734 6.46%
COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $3,395,000 $377,222 $6,098 6.63%
DAYTON-KETTERING, OH (FHA|USDA|VA) 23 $3,355,000 $145,870 $6,474 7.17%
BATON ROUGE, LA (FHA|USDA|VA) 15 $3,325,000 $221,667 $7,882 6.58%
WINSTON-SALEM, NC (FHA|USDA|VA) 15 $3,315,000 $221,000 $6,621 6.92%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 15 $3,255,000 $217,000 $6,995 6.85%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 12 $3,220,000 $268,333 $6,584 6.64%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $3,200,000 $266,667 $9,045 6.98%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $3,165,000 $452,143 $10,107 6.36%
AKRON, OH (FHA|USDA|VA) 18 $3,140,000 $174,444 $6,411 7.00%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 13 $3,045,000 $234,231 $5,588 6.77%
GREELEY, CO (FHA|USDA|VA) 7 $3,005,000 $429,286 $4,781 6.88%
BAKERSFIELD, CA (FHA|USDA|VA) 11 $2,845,000 $258,636 $8,215 6.84%
EL PASO, TX (FHA|USDA|VA) 11 $2,835,000 $257,727 $8,165 6.52%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 9 $2,815,000 $312,778 $7,863 6.92%
SPRINGFIELD, MA (FHA|USDA|VA) 9 $2,795,000 $310,556 $8,865 6.63%
WICHITA, KS (FHA|USDA|VA) 16 $2,730,000 $170,625 $5,171 6.83%
PUNTA GORDA, FL (FHA|USDA|VA) 9 $2,715,000 $301,667 $8,301 7.03%
OCALA, FL (FHA|USDA|VA) 12 $2,710,000 $225,833 $6,973 6.86%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $2,640,000 $330,000 $9,622 6.89%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 10 $2,630,000 $263,000 $7,512 6.69%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 7 $2,575,000 $367,857 $6,950 6.93%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $2,565,000 $197,308 $6,010 6.54%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 12 $2,540,000 $211,667 $4,222 6.82%
FLINT, MI (FHA|USDA|VA) 14 $2,530,000 $180,714 $6,089 7.01%
TOLEDO, OH (FHA|USDA|VA) 13 $2,445,000 $188,077 $6,057 7.09%
READING, PA (FHA|USDA|VA) 10 $2,440,000 $244,000 $9,717 6.23%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 10 $2,380,000 $238,000 $6,222 6.61%
MADISON, WI (FHA|USDA|VA) 8 $2,370,000 $296,250 $5,736 6.23%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $2,340,000 $234,000 $5,168 6.96%
HUNTSVILLE, AL (FHA|USDA|VA) 9 $2,315,000 $257,222 $5,424 6.56%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $2,300,000 $575,000 $7,640 6.78%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $2,230,000 $223,000 $7,208 6.76%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $2,225,000 $317,857 $7,889 6.70%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 13 $2,225,000 $171,154 $7,616 6.84%
MORGANTOWN, WV (FHA|USDA|VA) 7 $2,215,000 $316,429 $8,819 6.64%
FRESNO, CA (FHA|USDA|VA) 7 $2,185,000 $312,143 $9,391 6.98%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 9 $2,165,000 $240,556 $10,497 6.49%
EAST STROUDSBURG, PA (FHA|USDA|VA) 9 $2,165,000 $240,556 $9,400 6.63%
MODESTO, CA (FHA|USDA|VA) 7 $2,165,000 $309,286 $7,570 6.18%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 8 $2,160,000 $270,000 $8,833 6.89%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 19 $2,105,000 $110,789 $5,300 7.00%
LUBBOCK, TX (FHA|USDA|VA) 8 $2,070,000 $258,750 $7,098 6.67%
SAVANNAH, GA (FHA|USDA|VA) 8 $2,030,000 $253,750 $5,316 6.70%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 8 $2,030,000 $253,750 $8,455 6.81%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 7 $2,015,000 $287,857 $7,273 7.21%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 13 $2,005,000 $154,231 $4,972 6.83%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $1,995,000 $221,667 $6,289 6.89%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $1,945,000 $648,333 $12,485 6.96%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $1,880,000 $235,000 $5,573 6.64%
Jefferson, GA (FHA|USDA|VA) 5 $1,875,000 $375,000 $9,214 6.40%
Hilo, HI (FHA|USDA|VA) 4 $1,870,000 $467,500 $10,306 6.38%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,865,000 $621,667 $10,168 7.04%
SALEM, OR (FHA|USDA|VA) 7 $1,865,000 $266,429 $6,592 6.52%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,860,000 $465,000 $9,291 6.84%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 8 $1,790,000 $223,750 $5,050 6.91%
JACKSONVILLE, NC (FHA|USDA|VA) 8 $1,780,000 $222,500 $6,506 6.55%
VALLEJO, CA (FHA|USDA|VA) 4 $1,780,000 $445,000 $9,882 6.59%
ANCHORAGE, AK (FHA|USDA|VA) 6 $1,760,000 $293,333 $8,488 7.06%
CORPUS CHRISTI, TX (FHA|USDA|VA) 8 $1,750,000 $218,750 $7,458 6.41%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 10 $1,710,000 $171,000 $6,711 6.85%
ROCKY MOUNT, NC (FHA|USDA|VA) 7 $1,705,000 $243,571 $6,334 6.63%
PANAMA CITY, FL (FHA|USDA|VA) 5 $1,685,000 $337,000 $11,835 6.83%
WENATCHEE, WA (FHA|USDA|VA) 4 $1,620,000 $405,000 $8,519 6.31%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,605,000 $321,000 $6,099 6.55%
LaGrange, GA-AL (FHA|USDA|VA) 5 $1,605,000 $321,000 $8,238 6.95%
APPLETON, WI (FHA|USDA|VA) 6 $1,570,000 $261,667 $5,557 6.75%
RENO, NV (FHA|USDA|VA) 3 $1,545,000 $515,000 $9,840 6.50%
BATTLE CREEK, MI (FHA|USDA|VA) 8 $1,530,000 $191,250 $4,897 6.77%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,510,000 $251,667 $5,881 6.48%
Torrington, CT (FHA|USDA|VA) 5 $1,505,000 $301,000 $10,493 6.45%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $1,500,000 $250,000 $8,306 6.77%
Warrensburg, MO (FHA|USDA|VA) 5 $1,495,000 $299,000 $8,952 5.85%
TOPEKA, KS (FHA|USDA|VA) 7 $1,495,000 $213,571 $6,160 6.71%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $1,490,000 $372,500 $9,768 6.59%
SPRINGFIELD, MO (FHA|USDA|VA) 8 $1,490,000 $186,250 $4,648 6.70%
STAUNTON, VA (FHA|USDA|VA) 6 $1,480,000 $246,667 $8,782 6.35%
TALLAHASSEE, FL (FHA|USDA|VA) 6 $1,480,000 $246,667 $6,855 6.73%
COLUMBUS, GA-AL (FHA|USDA|VA) 8 $1,480,000 $185,000 $6,649 6.94%
ROANOKE, VA (FHA|USDA|VA) 6 $1,470,000 $245,000 $5,681 7.21%
WARNER ROBINS, GA (FHA|USDA|VA) 8 $1,450,000 $181,250 $7,102 7.14%
FORT WAYNE, IN (FHA|USDA|VA) 9 $1,445,000 $160,556 $5,298 7.08%
BELLINGHAM, WA (FHA|USDA|VA) 3 $1,435,000 $478,333 $5,911 6.67%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 8 $1,430,000 $178,750 $6,107 6.84%
MONTGOMERY, AL (FHA|USDA|VA) 6 $1,420,000 $236,667 $6,040 6.60%
ABILENE, TX (FHA|USDA|VA) 7 $1,405,000 $200,714 $8,436 6.63%
COLUMBIA, MO (FHA|USDA|VA) 6 $1,370,000 $228,333 $5,604 6.60%
ODESSA, TX (FHA|USDA|VA) 6 $1,360,000 $226,667 $8,216 6.31%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,335,000 $267,000 $12,274 6.03%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $1,325,000 $265,000 $8,536 6.48%
CANTON-MASSILLON, OH (FHA|USDA|VA) 7 $1,295,000 $185,000 $7,152 6.63%
SPARTANBURG, SC (FHA|USDA|VA) 7 $1,295,000 $185,000 $7,829 6.71%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 6 $1,290,000 $215,000 $4,425 7.21%
DOTHAN, AL (FHA|USDA|VA) 7 $1,285,000 $183,571 $4,948 7.39%
Boone, NC (FHA|USDA|VA) 3 $1,285,000 $428,333 $7,446 7.21%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $1,285,000 $428,333 $13,687 6.46%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $1,285,000 $428,333 $8,229 6.17%
MOBILE, AL (FHA|USDA|VA) 7 $1,285,000 $183,571 $7,380 6.38%
BURLINGTON, NC (FHA|USDA|VA) 4 $1,280,000 $320,000 $6,466 7.19%
SALINAS, CA (FHA|USDA|VA) 3 $1,265,000 $421,667 $12,375 6.79%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $1,255,000 $418,333 $7,857 6.17%
PUEBLO, CO (FHA|USDA|VA) 3 $1,255,000 $418,333 $5,943 6.63%
Carlsbad-Artesia, NM (FHA|USDA|VA) 4 $1,230,000 $307,500 $10,317 6.69%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,220,000 $610,000 $5,736 6.50%
YUBA CITY, CA (FHA|USDA|VA) 3 $1,185,000 $395,000 $13,384 6.50%
SANTA FE, NM (FHA|USDA|VA) 3 $1,155,000 $385,000 $7,534 6.42%
Seneca, SC (FHA|USDA|VA) 4 $1,150,000 $287,500 $7,756 6.84%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,125,000 $225,000 $6,174 6.85%
CHICO, CA (FHA|USDA|VA) 3 $1,125,000 $375,000 $9,491 6.71%
JOPLIN, MO (FHA|USDA|VA) 6 $1,120,000 $186,667 $6,305 6.73%
MUNCIE, IN (FHA|USDA|VA) 6 $1,110,000 $185,000 $5,727 7.02%
Lebanon, NH-VT (FHA|USDA|VA) 4 $1,110,000 $277,500 $9,729 6.88%
ROCKFORD, IL (FHA|USDA|VA) 5 $1,095,000 $219,000 $7,639 7.05%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 5 $1,085,000 $217,000 $7,942 6.38%
SAN ANGELO, TX (FHA|USDA|VA) 5 $1,085,000 $217,000 $8,638 6.73%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $1,070,000 $535,000 $16,161 6.44%
BLOOMINGTON, IN (FHA|USDA|VA) 5 $1,055,000 $211,000 $8,172 6.65%
DECATUR, IL (FHA|USDA|VA) 7 $1,035,000 $147,857 $4,802 6.70%
Forest City, NC (FHA|USDA|VA) 4 $1,020,000 $255,000 $8,014 7.53%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $1,020,000 $510,000 $8,472 6.69%
KANKAKEE, IL (FHA|USDA|VA) 5 $1,015,000 $203,000 $5,918 7.15%
LAS CRUCES, NM (FHA|USDA|VA) 4 $1,010,000 $252,500 $5,129 6.78%
ROCHESTER, MN (FHA|USDA|VA) 5 $1,005,000 $201,000 $5,544 6.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,824 6.88%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $995,000 $331,667 $6,856 6.54%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $985,000 $197,000 $8,070 6.95%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $985,000 $328,333 $10,041 6.88%
PROVO-OREM, UT (FHA|USDA|VA) 3 $975,000 $325,000 $6,487 6.63%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $975,000 $325,000 $5,488 7.17%
Morehead City, NC (FHA|USDA|VA) 2 $960,000 $480,000 $5,381 6.69%
TYLER, TX (FHA|USDA|VA) 4 $940,000 $235,000 $8,336 6.78%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $935,000 $311,667 $5,831 6.67%
Elko, NV (FHA|USDA|VA) 2 $930,000 $465,000 $11,171 6.19%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $920,000 $230,000 $4,243 7.44%
ERIE, PA (FHA|USDA|VA) 5 $915,000 $183,000 $9,174 7.28%
BOULDER, CO (FHA|USDA|VA) 2 $900,000 $450,000 $6,957 7.31%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $900,000 $450,000 $11,146 6.00%
Richmond-Berea, KY (FHA|USDA|VA) 4 $900,000 $225,000 $6,190 6.72%
Roseburg, OR (FHA|USDA|VA) 4 $900,000 $225,000 $7,406 6.34%
Sanford, NC (FHA|USDA|VA) 4 $890,000 $222,500 $5,861 6.16%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 6 $880,000 $146,667 $6,415 6.71%
GREAT FALLS, MT (FHA|USDA|VA) 3 $855,000 $285,000 $10,572 6.88%
JACKSON, MS (FHA|USDA|VA) 4 $850,000 $212,500 $7,364 6.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 4 $840,000 $210,000 $6,866 6.91%
Shelby, NC (FHA|USDA|VA) 4 $830,000 $207,500 $6,940 6.47%
VISALIA, CA (FHA|USDA|VA) 3 $825,000 $275,000 $9,446 7.29%
WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $820,000 $205,000 $3,969 6.53%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 4 $810,000 $202,500 $4,889 6.97%
Tifton, GA (FHA|USDA|VA) 3 $795,000 $265,000 $6,926 6.29%
Taos, NM (FHA|USDA|VA) 2 $790,000 $395,000 $9,049 7.19%
Cookeville, TN (FHA|USDA|VA) 3 $765,000 $255,000 $5,762 6.46%
Oak Harbor, WA (FHA|USDA|VA) 2 $760,000 $380,000 $8,104 6.56%
Somerset, KY (FHA|USDA|VA) 4 $760,000 $190,000 $7,749 6.72%
GAINESVILLE, FL (FHA|USDA|VA) 3 $755,000 $251,667 $6,713 6.25%
Lewisburg, PA (FHA|USDA|VA) 3 $755,000 $251,667 $6,355 6.83%
GRAND ISLAND, NE (FHA|USDA|VA) 3 $755,000 $251,667 $5,381 7.08%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $750,000 $187,500 $6,367 7.25%
NILES, MI (FHA|USDA|VA) 2 $740,000 $370,000 $6,150 6.69%
HATTIESBURG, MS (FHA|USDA|VA) 3 $735,000 $245,000 $6,813 6.96%
GREEN BAY, WI (FHA|USDA|VA) 1 $725,000 $725,000 $6,889 6.25%
Kapaa, HI (FHA|USDA|VA) 1 $725,000 $725,000 $9,441 6.63%
YUMA, AZ (FHA|USDA|VA) 3 $715,000 $238,333 $5,971 6.88%
PEORIA, IL (FHA|USDA|VA) 5 $715,000 $143,000 $3,621 7.38%
LANCASTER, PA (FHA|USDA|VA) 2 $710,000 $355,000 $8,162 6.44%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $700,000 $350,000 $6,814 7.06%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $700,000 $175,000 $6,526 6.91%
MUSKEGON, MI (FHA|USDA|VA) 3 $695,000 $231,667 $11,677 6.67%
ALBANY, GA (FHA|USDA|VA) 3 $685,000 $228,333 $8,374 6.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $680,000 $340,000 $15,353 5.56%
JOHNSTOWN, PA (FHA|USDA|VA) 3 $675,000 $225,000 $7,127 7.42%
Marquette, MI (FHA|USDA|VA) 3 $675,000 $225,000 $3,961 7.50%
Lawrenceburg, TN (FHA|USDA|VA) 2 $660,000 $330,000 $6,858 6.19%
Traverse City, MI (FHA|USDA|VA) 3 $655,000 $218,333 $4,171 7.38%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $655,000 $655,000 $9,187 7.25%
Sheridan, WY (FHA|USDA|VA) 2 $650,000 $325,000 $14,429 5.69%
Moses Lake, WA (FHA|USDA|VA) 2 $650,000 $325,000 $16,263 5.75%
CARBONDALE-MARION, IL (FHA|USDA|VA) 4 $650,000 $162,500 $7,062 7.06%
ANN ARBOR, MI (FHA|USDA|VA) 1 $645,000 $645,000 $4,254 7.13%
EAU CLAIRE, WI (FHA|USDA|VA) 2 $640,000 $320,000 $7,649 6.88%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $635,000 $635,000 $8,779 6.50%
Ellensburg, WA (FHA|USDA|VA) 1 $635,000 $635,000 $8,989 6.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $630,000 $315,000 $6,730 7.00%
Outside of Metro Areas 1 $625,000 $625,000 $6,766 7.13%
AMARILLO, TX (FHA|USDA|VA) 3 $625,000 $208,333 $5,070 7.13%
BECKLEY, WV (FHA|USDA|VA) 3 $625,000 $208,333 $6,180 7.00%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 3 $625,000 $208,333 $6,366 6.75%
Norwalk, OH (FHA|USDA|VA) 3 $625,000 $208,333 $8,694 7.71%
Albemarle, NC (FHA|USDA|VA) 3 $625,000 $208,333 $7,311 6.88%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $620,000 $310,000 $9,996 6.00%
LONGVIEW, WA (FHA|USDA|VA) 2 $620,000 $310,000 $11,505 5.94%
Brainerd, MN (FHA|USDA|VA) 3 $615,000 $205,000 $5,801 6.83%
JACKSON, TN (FHA|USDA|VA) 4 $610,000 $152,500 $4,967 6.91%
Marietta, OH (FHA|USDA|VA) 2 $600,000 $300,000 $4,583 6.94%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $600,000 $300,000 $7,549 6.06%
MIDLAND, TX (FHA|USDA|VA) 3 $595,000 $198,333 $10,585 6.04%
LAWTON, OK (FHA|USDA|VA) 4 $590,000 $147,500 $5,632 6.53%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 4 $580,000 $145,000 $7,542 6.41%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $575,000 $191,667 $4,451 6.92%
SPRINGFIELD, IL (FHA|USDA|VA) 4 $570,000 $142,500 $5,730 6.84%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 4 $570,000 $142,500 $4,917 7.31%
Cedartown, GA (FHA|USDA|VA) 2 $570,000 $285,000 $13,586 6.56%
Williston, ND (FHA|USDA|VA) 2 $570,000 $285,000 $8,752 7.00%
Steamboat Springs, CO (FHA|USDA|VA) 1 $565,000 $565,000 $3,798 7.13%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $565,000 $188,333 $7,530 6.21%
Moultrie, GA (FHA|USDA|VA) 3 $555,000 $185,000 $4,959 6.58%
BRUNSWICK, GA (FHA|USDA|VA) 3 $555,000 $185,000 $7,825 6.25%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $555,000 $185,000 $4,020 6.58%
Willmar, MN (FHA|USDA|VA) 3 $555,000 $185,000 $6,822 7.29%
Bozeman, MT (FHA|USDA|VA) 1 $555,000 $555,000 $17,820 5.25%
Cullowhee, NC (FHA|USDA|VA) 1 $545,000 $545,000 $24,845 7.38%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $545,000 $181,667 $5,332 6.42%
DuBois, PA (FHA|USDA|VA) 4 $540,000 $135,000 $7,389 6.84%
BILLINGS, MT (FHA|USDA|VA) 2 $540,000 $270,000 $9,106 6.56%
REDDING, CA (FHA|USDA|VA) 2 $540,000 $270,000 $10,225 6.88%
CHARLESTON, WV (FHA|USDA|VA) 3 $535,000 $178,333 $9,238 7.21%
Pottsville, PA (FHA|USDA|VA) 4 $530,000 $132,500 $5,412 7.38%
IOWA CITY, IA (FHA|USDA|VA) 2 $530,000 $265,000 $7,624 6.44%
Poplar Bluff, MO (FHA|USDA|VA) 2 $530,000 $265,000 $6,909 6.63%
LYNCHBURG, VA (FHA|USDA|VA) 4 $530,000 $132,500 $6,659 6.16%
Laconia, NH (FHA|USDA|VA) 1 $525,000 $525,000 $4,957 6.75%
Adrian, MI (FHA|USDA|VA) 3 $525,000 $175,000 $5,102 6.92%
St. Marys, GA (FHA|USDA|VA) 2 $520,000 $260,000 $13,724 5.88%
Red Bluff, CA (FHA|USDA|VA) 2 $520,000 $260,000 $9,395 6.88%
MORRISTOWN, TN (FHA|USDA|VA) 2 $520,000 $260,000 $8,742 6.94%
JONESBORO, AR (FHA|USDA|VA) 2 $520,000 $260,000 $9,282 6.38%
LEBANON, PA (FHA|USDA|VA) 2 $520,000 $260,000 $5,721 6.56%
Russellville, AR (FHA|USDA|VA) 3 $515,000 $171,667 $6,092 7.00%
New Castle, PA (FHA|USDA|VA) 2 $510,000 $255,000 $7,760 7.38%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $505,000 $505,000 $12,071 6.25%
Lewistown, PA (FHA|USDA|VA) 3 $505,000 $168,333 $6,087 6.71%
HINESVILLE, GA (FHA|USDA|VA) 2 $500,000 $250,000 $9,587 6.44%
Gaffney, SC (FHA|USDA|VA) 2 $500,000 $250,000 $11,430 6.06%
Spearfish, SD (FHA|USDA|VA) 1 $495,000 $495,000 $6,845 7.38%
LONGVIEW, TX (FHA|USDA|VA) 2 $490,000 $245,000 $5,557 7.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $490,000 $245,000 $11,383 6.13%
Statesboro, GA (FHA|USDA|VA) 2 $490,000 $245,000 $5,142 7.38%
FORT COLLINS, CO (FHA|USDA|VA) 1 $485,000 $485,000 $745 5.13%
Meridian, MS (FHA|USDA|VA) 2 $480,000 $240,000 $8,580 6.94%
Madisonville, KY (FHA|USDA|VA) 2 $480,000 $240,000 $6,715 7.13%
GRAND JUNCTION, CO (FHA|USDA|VA) 2 $480,000 $240,000 $5,610 6.56%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $475,000 $475,000 $3,667 6.13%
WACO, TX (FHA|USDA|VA) 3 $475,000 $158,333 $6,924 6.33%
Jesup, GA (FHA|USDA|VA) 2 $470,000 $235,000 $7,453 7.69%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $470,000 $235,000 $8,083 6.06%
Jacksonville, TX (FHA|USDA|VA) 1 $465,000 $465,000 $5,830 6.63%
Freeport, IL (FHA|USDA|VA) 2 $460,000 $230,000 $8,201 6.56%
Pahrump, NV (FHA|USDA|VA) 2 $460,000 $230,000 $7,193 6.63%
Duncan, OK (FHA|USDA|VA) 5 $455,000 $91,000 $4,853 6.70%
YAKIMA, WA (FHA|USDA|VA) 1 $455,000 $455,000 $11,927 7.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $455,000 $151,667 $4,522 6.83%
Auburn, IN (FHA|USDA|VA) 1 $445,000 $445,000 $12,107 6.88%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 3 $445,000 $148,333 $4,417 7.21%
JACKSON, MI (FHA|USDA|VA) 2 $440,000 $220,000 $9,071 6.56%
Stillwater, OK (FHA|USDA|VA) 2 $440,000 $220,000 $10,772 7.13%
Mount Vernon, IL (FHA|USDA|VA) 3 $435,000 $145,000 $8,920 5.88%
Branson, MO (FHA|USDA|VA) 1 $435,000 $435,000 $3,112 7.13%
Bluefield, WV-VA (FHA|USDA|VA) 3 $425,000 $141,667 $6,347 7.25%
LAFAYETTE, LA (FHA|USDA|VA) 2 $420,000 $210,000 $7,586 6.69%
Danville, VA (FHA|USDA|VA) 2 $420,000 $210,000 $7,182 6.88%
Salina, KS (FHA|USDA|VA) 2 $420,000 $210,000 $4,187 7.00%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $415,000 $415,000 $11,905 6.50%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $415,000 $138,333 $5,653 7.21%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $410,000 $205,000 $9,113 7.00%
Coldwater, MI (FHA|USDA|VA) 2 $410,000 $205,000 $7,432 6.50%
Gainesville, TX (FHA|USDA|VA) 2 $410,000 $205,000 $10,257 6.06%
Clearlake, CA (FHA|USDA|VA) 2 $410,000 $205,000 $6,818 6.19%
Athens, TX (FHA|USDA|VA) 2 $410,000 $205,000 $5,782 5.94%
Mount Pleasant, TX (FHA|USDA|VA) 2 $410,000 $205,000 $6,716 6.38%
Hutchinson, KS (FHA|USDA|VA) 3 $405,000 $135,000 $5,027 7.33%
Brookings, OR (FHA|USDA|VA) 1 $405,000 $405,000 $7,204 6.13%
PITTSFIELD, MA (FHA|USDA|VA) 2 $400,000 $200,000 $9,660 6.69%
GOLDSBORO, NC (FHA|USDA|VA) 2 $400,000 $200,000 $9,138 7.00%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $400,000 $200,000 $3,990 5.94%
Somerset, PA (FHA|USDA|VA) 2 $400,000 $200,000 $9,062 7.31%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $395,000 $395,000 $17,951 6.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $395,000 $395,000 $14,641 6.75%
RACINE, WI (FHA|USDA|VA) 2 $390,000 $195,000 $6,685 6.69%
Picayune, MS (FHA|USDA|VA) 2 $390,000 $195,000 $2,066 7.00%
BISMARCK, ND (FHA|USDA|VA) 1 $385,000 $385,000 $12,260 6.00%
Ashtabula, OH (FHA|USDA|VA) 3 $385,000 $128,333 $4,685 7.42%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $380,000 $190,000 $6,149 6.56%
Fergus Falls, MN (FHA|USDA|VA) 2 $380,000 $190,000 $4,351 7.56%
Cullman, AL (FHA|USDA|VA) 2 $380,000 $190,000 $6,701 7.31%
Manitowoc, WI (FHA|USDA|VA) 3 $375,000 $125,000 $4,196 7.42%
Lumberton, NC (FHA|USDA|VA) 1 $375,000 $375,000 $4,261 7.13%
ROME, GA (FHA|USDA|VA) 2 $370,000 $185,000 $6,702 7.00%
Silver City, NM (FHA|USDA|VA) 2 $370,000 $185,000 $5,890 7.25%
Wilson, NC (FHA|USDA|VA) 2 $370,000 $185,000 $6,489 6.19%
Ottawa, IL (FHA|USDA|VA) 1 $365,000 $365,000 $10,349 5.63%
Greenwood, SC (FHA|USDA|VA) 1 $365,000 $365,000 $13,242 5.63%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $360,000 $180,000 $6,112 7.38%
Enterprise, AL (FHA|USDA|VA) 2 $360,000 $180,000 $9,512 5.63%
WHEELING, WV-OH (FHA|USDA|VA) 2 $360,000 $180,000 $6,410 6.75%
Crossville, TN (FHA|USDA|VA) 1 $355,000 $355,000 $8,067 7.13%
Concord, NH (FHA|USDA|VA) 1 $355,000 $355,000 $7,908 7.13%
North Wilkesboro, NC (FHA|USDA|VA) 1 $355,000 $355,000 $5,407 7.63%
Frankfort, IN (FHA|USDA|VA) 1 $355,000 $355,000 $11,690 6.75%
Macomb, IL (FHA|USDA|VA) 3 $355,000 $118,333 $5,829 7.13%
Cañon City, CO (FHA|USDA|VA) 1 $355,000 $355,000 $11,215 7.25%
Clinton, IA (FHA|USDA|VA) 2 $350,000 $175,000 $5,627 5.88%
Mount Pleasant, MI (FHA|USDA|VA) 2 $350,000 $175,000 $4,120 7.56%
Chillicothe, OH (FHA|USDA|VA) 2 $350,000 $175,000 $4,226 6.94%
Coos Bay, OR (FHA|USDA|VA) 1 $345,000 $345,000 $11,328 7.13%
Bemidji, MN (FHA|USDA|VA) 2 $340,000 $170,000 $5,522 6.19%
Batesville, AR (FHA|USDA|VA) 3 $335,000 $111,667 $3,394 8.17%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $335,000 $335,000 $19,442 5.13%
Corsicana, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,844 7.13%
Fernley, NV (FHA|USDA|VA) 1 $335,000 $335,000 $10,632 5.88%
MIDLAND, MI (FHA|USDA|VA) 2 $330,000 $165,000 $5,530 7.75%
Jasper, AL (FHA|USDA|VA) 2 $330,000 $165,000 $6,371 6.31%
Payson, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $9,944 6.50%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $325,000 $108,333 $4,732 7.46%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $325,000 $325,000 $14,338 7.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $325,000 $325,000 $3,941 6.88%
Milledgeville, GA (FHA|USDA|VA) 1 $325,000 $325,000 $13,263 6.50%
SAGINAW, MI (FHA|USDA|VA) 2 $320,000 $160,000 $6,185 7.00%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $320,000 $160,000 $6,198 7.25%
Palestine, TX (FHA|USDA|VA) 2 $320,000 $160,000 $6,375 6.38%
MANSFIELD, OH (FHA|USDA|VA) 2 $320,000 $160,000 $8,655 6.88%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $315,000 $315,000 $5,782 6.63%
Charleston-Mattoon, IL (FHA|USDA|VA) 3 $315,000 $105,000 $4,275 7.29%
Newport, OR (FHA|USDA|VA) 1 $315,000 $315,000 $7,104 7.50%
Aberdeen, WA (FHA|USDA|VA) 2 $310,000 $155,000 $5,892 6.63%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $305,000 $305,000 $12,176 6.63%
Thomasville, GA (FHA|USDA|VA) 1 $305,000 $305,000 $10,518 6.63%
McAlester, OK (FHA|USDA|VA) 1 $305,000 $305,000 $10,280 7.13%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $305,000 $305,000 $14,235 6.00%
Glenwood Springs, CO (FHA|USDA|VA) 1 $305,000 $305,000 $6,688 7.00%
Athens, OH (FHA|USDA|VA) 2 $300,000 $150,000 $7,351 7.06%
Cornelia, GA (FHA|USDA|VA) 1 $295,000 $295,000 $7,309 6.88%
Parsons, KS (FHA|USDA|VA) 1 $295,000 $295,000 $12,387 6.13%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $295,000 $295,000 $5,801 7.13%
MANHATTAN, KS (FHA|USDA|VA) 1 $295,000 $295,000 $13,400 6.50%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $295,000 $295,000 $4,678 6.63%
Granbury, TX (FHA|USDA|VA) 1 $295,000 $295,000 $12,688 6.25%
DECATUR, AL (FHA|USDA|VA) 1 $295,000 $295,000 $5,196 6.88%
Laurel, MS (FHA|USDA|VA) 2 $290,000 $145,000 $6,495 7.56%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $290,000 $145,000 $4,200 7.38%
Sikeston, MO (FHA|USDA|VA) 2 $290,000 $145,000 $5,650 7.69%
Durant, OK (FHA|USDA|VA) 2 $290,000 $145,000 $6,266 7.19%
Marinette, WI-MI (FHA|USDA|VA) 2 $290,000 $145,000 $5,603 7.00%
Beeville, TX (FHA|USDA|VA) 2 $290,000 $145,000 $7,701 6.50%
GADSDEN, AL (FHA|USDA|VA) 1 $285,000 $285,000 $4,031 7.25%
Easton, MD (FHA|USDA|VA) 1 $285,000 $285,000 $6,978 6.13%
Dickinson, ND (FHA|USDA|VA) 1 $285,000 $285,000 $7,052 6.63%
LAREDO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $18,284 5.88%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $285,000 $285,000 $8,948 7.63%
Oxford, MS (FHA|USDA|VA) 1 $285,000 $285,000 $9,582 8.13%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $285,000 $285,000 $4,159 6.50%
Ontario, OR-ID (FHA|USDA|VA) 1 $285,000 $285,000 $9,492 7.25%
Montrose, CO (FHA|USDA|VA) 1 $275,000 $275,000 $3,023 6.88%
Mount Vernon, OH (FHA|USDA|VA) 1 $275,000 $275,000 $12,929 5.75%
DALTON, GA (FHA|USDA|VA) 1 $265,000 $265,000 $5,929 7.88%
Stevens Point, WI (FHA|USDA|VA) 1 $265,000 $265,000 $10,474 7.75%
Mineral Wells, TX (FHA|USDA|VA) 1 $265,000 $265,000 $12,197 6.75%
Atchison, KS (FHA|USDA|VA) 1 $265,000 $265,000 $9,914 6.13%
Pella, IA (FHA|USDA|VA) 1 $265,000 $265,000 $5,310 6.38%
Tupelo, MS (FHA|USDA|VA) 1 $265,000 $265,000 $7,559 6.88%
Laramie, WY (FHA|USDA|VA) 1 $265,000 $265,000 $15,032 6.00%
Kingsville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $8,857 6.75%
Keene, NH (FHA|USDA|VA) 1 $265,000 $265,000 $5,670 8.25%
Henderson, NC (FHA|USDA|VA) 1 $265,000 $265,000 $6,614 6.88%
Greeneville, TN (FHA|USDA|VA) 1 $265,000 $265,000 $10,789 6.25%
FAIRBANKS, AK (FHA|USDA|VA) 1 $265,000 $265,000 $3,275 6.38%
Scottsboro, AL (FHA|USDA|VA) 1 $265,000 $265,000 $12,928 6.75%
Tahlequah, OK (FHA|USDA|VA) 1 $255,000 $255,000 $15,557 5.13%
Rochelle, IL (FHA|USDA|VA) 1 $255,000 $255,000 $3,988 7.13%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $255,000 $255,000 $7,556 7.13%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $255,000 $255,000 $3,900 6.38%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $255,000 $255,000 $4,831 6.00%
Marion, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,376 6.63%
Harrison, AR (FHA|USDA|VA) 1 $255,000 $255,000 $5,129 8.00%
Salem, OH (FHA|USDA|VA) 2 $250,000 $125,000 $7,109 6.88%
Paducah, KY-IL (FHA|USDA|VA) 2 $250,000 $125,000 $3,605 7.56%
Hobbs, NM (FHA|USDA|VA) 2 $250,000 $125,000 $4,385 7.94%
VALDOSTA, GA (FHA|USDA|VA) 1 $245,000 $245,000 $6,776 6.88%
Holland, MI (FHA|USDA|VA) 1 $245,000 $245,000 $14,477 6.38%
Brookhaven, MS (FHA|USDA|VA) 1 $245,000 $245,000 $9,264 5.75%
Pontiac, IL (FHA|USDA|VA) 1 $245,000 $245,000 $6,124 6.38%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $245,000 $245,000 $5,602 6.75%
Ruidoso, NM (FHA|USDA|VA) 1 $245,000 $245,000 $5,749 6.00%
Wooster, OH (FHA|USDA|VA) 1 $245,000 $245,000 $13,779 6.63%
Lock Haven, PA (FHA|USDA|VA) 1 $245,000 $245,000 $5,672 5.88%
Tiffin, OH (FHA|USDA|VA) 2 $240,000 $120,000 $3,998 6.63%
Vernon, TX (FHA|USDA|VA) 2 $240,000 $120,000 $5,442 6.81%
Richmond, IN (FHA|USDA|VA) 2 $240,000 $120,000 $7,424 6.94%
Las Vegas, NM (FHA|USDA|VA) 2 $240,000 $120,000 $4,052 7.31%
Kearney, NE (FHA|USDA|VA) 1 $235,000 $235,000 $7,910 6.25%
Andrews, TX (FHA|USDA|VA) 1 $235,000 $235,000 $9,111 6.25%
Cadillac, MI (FHA|USDA|VA) 1 $235,000 $235,000 $8,991 6.88%
Bartlesville, OK (FHA|USDA|VA) 2 $230,000 $115,000 $7,476 6.81%
Burlington, IA-IL (FHA|USDA|VA) 2 $230,000 $115,000 $3,727 7.75%
Dayton, TN (FHA|USDA|VA) 1 $225,000 $225,000 $4,334 6.88%
DOVER, DE (FHA|USDA|VA) 1 $225,000 $225,000 $6,907 7.13%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $225,000 $225,000 $12,365 6.38%
Glasgow, KY (FHA|USDA|VA) 1 $225,000 $225,000 $8,016 6.75%
West Plains, MO (FHA|USDA|VA) 1 $225,000 $225,000 $5,891 8.13%
Lamesa, TX (FHA|USDA|VA) 1 $225,000 $225,000 $13,883 6.38%
Sterling, CO (FHA|USDA|VA) 1 $225,000 $225,000 $9,361 7.75%
Scottsburg, IN (FHA|USDA|VA) 2 $220,000 $110,000 $4,056 7.81%
Eagle Pass, TX (FHA|USDA|VA) 1 $215,000 $215,000 $6,021 6.25%
CASPER, WY (FHA|USDA|VA) 1 $215,000 $215,000 $5,179 7.13%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $215,000 $215,000 $7,004 6.00%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $215,000 $215,000 $6,307 6.25%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $215,000 $215,000 $6,709 5.88%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $4,622 6.25%
POCATELLO, ID (FHA|USDA|VA) 1 $215,000 $215,000 $3,569 6.13%
Fremont, OH (FHA|USDA|VA) 2 $210,000 $105,000 $7,189 6.63%
RAPID CITY, SD (FHA|USDA|VA) 1 $205,000 $205,000 $6,610 6.13%
Defiance, OH (FHA|USDA|VA) 1 $205,000 $205,000 $4,914 7.13%
Roswell, NM (FHA|USDA|VA) 1 $205,000 $205,000 $6,512 7.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,724 7.75%
BAY CITY, MI (FHA|USDA|VA) 2 $200,000 $100,000 $5,716 7.38%
Coffeyville, KS (FHA|USDA|VA) 2 $200,000 $100,000 $6,109 7.50%
Berlin, NH (FHA|USDA|VA) 2 $200,000 $100,000 $4,894 7.63%
Emporia, KS (FHA|USDA|VA) 1 $195,000 $195,000 $5,623 6.88%
FARGO, ND-MN (FHA|USDA|VA) 1 $195,000 $195,000 $3,845 6.88%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $195,000 $195,000 $3,036 7.25%
MONROE, MI (FHA|USDA|VA) 1 $195,000 $195,000 $9,925 6.75%
Big Stone Gap, VA (FHA|USDA|VA) 1 $195,000 $195,000 $4,916 6.13%
Selinsgrove, PA (FHA|USDA|VA) 1 $195,000 $195,000 $10,540 6.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,431 7.75%
THE VILLAGES, FL (FHA|USDA|VA) 1 $185,000 $185,000 $4,615 7.75%
Brenham, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,456 5.88%
Zanesville, OH (FHA|USDA|VA) 1 $185,000 $185,000 $6,336 6.88%
Vidalia, GA (FHA|USDA|VA) 1 $185,000 $185,000 $7,422 5.75%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $185,000 $185,000 $3,706 7.25%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,800 7.00%
Indiana, PA (FHA|USDA|VA) 2 $180,000 $90,000 $5,721 7.19%
Houghton, MI (FHA|USDA|VA) 2 $180,000 $90,000 $4,199 7.63%
Menomonie, WI (FHA|USDA|VA) 1 $175,000 $175,000 $5,321 7.38%
Opelousas, LA (FHA|USDA|VA) 1 $175,000 $175,000 $10,017 6.25%
Hereford, TX (FHA|USDA|VA) 1 $175,000 $175,000 $9,910 6.25%
Great Bend, KS (FHA|USDA|VA) 1 $175,000 $175,000 $7,533 7.13%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $175,000 $175,000 $9,424 7.13%
Paris, TN (FHA|USDA|VA) 2 $170,000 $85,000 $4,866 8.13%
Crawfordsville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,825 7.25%
NEW BERN, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,307 6.88%
Toccoa, GA (FHA|USDA|VA) 1 $165,000 $165,000 $7,240 6.25%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $165,000 $165,000 $7,622 7.00%
Durango, CO (FHA|USDA|VA) 1 $165,000 $165,000 $6,515 7.38%
Rock Springs, WY (FHA|USDA|VA) 1 $165,000 $165,000 $7,230 6.38%
Port Lavaca, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,147 6.63%
Platteville, WI (FHA|USDA|VA) 1 $165,000 $165,000 $4,700 7.25%
HAMMOND, LA (FHA|USDA|VA) 1 $165,000 $165,000 $9,339 6.25%
Alma, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,253 7.38%
Huntsville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,382 6.38%
Paragould, AR (FHA|USDA|VA) 1 $165,000 $165,000 $3,067 6.50%
Palatka, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,983 6.88%
Jamestown, ND (FHA|USDA|VA) 1 $165,000 $165,000 $6,687 5.13%
Riverton, WY (FHA|USDA|VA) 1 $165,000 $165,000 $3,304 8.00%
Lufkin, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,409 7.13%
ST. CLOUD, MN (FHA|USDA|VA) 1 $165,000 $165,000 $8,598 6.63%
Eufaula, AL-GA (FHA|USDA|VA) 1 $165,000 $165,000 $10,366 6.13%
Ardmore, OK (FHA|USDA|VA) 1 $165,000 $165,000 $4,514 7.13%
Lexington, NE (FHA|USDA|VA) 1 $165,000 $165,000 $6,928 6.25%
Minden, LA (FHA|USDA|VA) 2 $160,000 $80,000 $3,623 7.06%
Sandusky, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,582 7.13%
Show Low, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $4,496 6.88%
Pecos, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,397 7.63%
Ottawa, KS (FHA|USDA|VA) 1 $155,000 $155,000 $7,959 6.88%
North Platte, NE (FHA|USDA|VA) 1 $155,000 $155,000 $8,010 6.75%
Athens, TN (FHA|USDA|VA) 1 $155,000 $155,000 $4,266 7.38%
Ada, OK (FHA|USDA|VA) 1 $155,000 $155,000 $8,222 6.75%
COLUMBUS, IN (FHA|USDA|VA) 1 $155,000 $155,000 $3,701 6.38%
LINCOLN, NE (FHA|USDA|VA) 1 $155,000 $155,000 $6,332 6.50%
Arcadia, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,069 6.88%
KOKOMO, IN (FHA|USDA|VA) 1 $155,000 $155,000 $6,898 6.75%
Waycross, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,511 6.25%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $155,000 $155,000 $9,186 6.25%
Greenwood, MS (FHA|USDA|VA) 1 $155,000 $155,000 $4,447 7.13%
Marion, IN (FHA|USDA|VA) 2 $150,000 $75,000 $3,423 7.63%
Galesburg, IL (FHA|USDA|VA) 2 $150,000 $75,000 $4,913 7.38%
SUMTER, SC (FHA|USDA|VA) 1 $145,000 $145,000 $5,818 6.25%
Bainbridge, GA (FHA|USDA|VA) 1 $145,000 $145,000 $7,748 6.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $145,000 $145,000 $4,265 6.50%
Owatonna, MN (FHA|USDA|VA) 1 $145,000 $145,000 $2,952 7.50%
Bay City, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,788 7.63%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $145,000 $145,000 $4,314 6.63%
Levelland, TX (FHA|USDA|VA) 1 $145,000 $145,000 $5,039 7.13%
Ozark, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,489 6.63%
Martinsville, VA (FHA|USDA|VA) 2 $140,000 $70,000 $5,286 7.63%
Wapakoneta, OH (FHA|USDA|VA) 1 $135,000 $135,000 $9,354 6.50%
Huntingdon, PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,867 7.13%
Miami, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,918 7.13%
McComb, MS (FHA|USDA|VA) 1 $135,000 $135,000 $3,083 8.25%
Seymour, IN (FHA|USDA|VA) 1 $135,000 $135,000 $5,517 5.88%
Greenville, MS (FHA|USDA|VA) 1 $135,000 $135,000 $4,030 7.13%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $135,000 $135,000 $4,505 6.00%
Hastings, NE (FHA|USDA|VA) 1 $135,000 $135,000 $8,068 7.13%
Bellefontaine, OH (FHA|USDA|VA) 1 $125,000 $125,000 $5,495 7.13%
Mount Sterling, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,620 8.38%
DUBUQUE, IA (FHA|USDA|VA) 1 $125,000 $125,000 $9,685 6.75%
Bradford, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,570 6.88%
Centralia, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,265 7.88%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $125,000 $125,000 $7,805 5.63%
DANVILLE, IL (FHA|USDA|VA) 1 $125,000 $125,000 $3,054 7.50%
Fort Payne, AL (FHA|USDA|VA) 1 $115,000 $115,000 $4,347 5.88%
Muskogee, OK (FHA|USDA|VA) 1 $115,000 $115,000 $3,487 7.13%
El Campo, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,481 7.13%
Rockingham, NC (FHA|USDA|VA) 1 $115,000 $115,000 $3,838 6.63%
Wabash, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,659 6.50%
Paris, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,253 7.38%
Dixon, IL (FHA|USDA|VA) 1 $115,000 $115,000 $3,779 7.13%
Pierre, SD (FHA|USDA|VA) 1 $115,000 $115,000 $5,714 8.13%
Alpena, MI (FHA|USDA|VA) 1 $105,000 $105,000 $3,881 7.88%
Pittsburg, KS (FHA|USDA|VA) 1 $105,000 $105,000 $4,570 6.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $4,303 7.13%
Ashland, OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,442 7.88%
ENID, OK (FHA|USDA|VA) 1 $105,000 $105,000 $9,193 6.25%
Susanville, CA (FHA|USDA|VA) 1 $95,000 $95,000 $6,946 6.38%
Altus, OK (FHA|USDA|VA) 1 $95,000 $95,000 $4,630 8.00%
Winfield, KS (FHA|USDA|VA) 1 $95,000 $95,000 $3,887 7.63%
El Dorado, AR (FHA|USDA|VA) 1 $85,000 $85,000 $5,096 6.75%
Jacksonville, IL (FHA|USDA|VA) 1 $85,000 $85,000 $5,047 7.50%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $85,000 $85,000 $5,274 6.75%
Clarksburg, WV (FHA|USDA|VA) 1 $85,000 $85,000 $3,731 8.63%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $85,000 $85,000 $5,263 6.88%
Meadville, PA (FHA|USDA|VA) 1 $75,000 $75,000 $4,253 7.50%
London, KY (FHA|USDA|VA) 1 $75,000 $75,000 $4,774 7.50%
Portsmouth, OH (FHA|USDA|VA) 1 $75,000 $75,000 $4,891 7.13%
Atmore, AL (FHA|USDA|VA) 1 $75,000 $75,000 $4,102 7.88%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $65,000 $65,000 $4,369 8.63%
LAWRENCE, KS (FHA|USDA|VA) 1 $65,000 $65,000 $3,821 7.63%
Sterling, IL (FHA|USDA|VA) 1 $65,000 $65,000 $4,885 7.00%
Blytheville, AR (FHA|USDA|VA) 1 $55,000 $55,000 $4,079 7.63%
Coshocton, OH (FHA|USDA|VA) 1 $55,000 $55,000 $4,318 7.63%
Greenville, OH (FHA|USDA|VA) 1 $55,000 $55,000 $4,282 7.13%
Zillow Home Loans's top markets include Atlanta, Phoenix, Raleigh, Denver, and Dallas among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    We use machine learning to identify the top lenders compared against ZILLOW HOME LOANS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Florence Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,712 $1,088,950,000 $293,359 $6,530 6.86%
    FHA 1,342 $393,410,000 $293,152 $11,856 6.41%
    VA 178 $68,960,000 $387,416 $9,113 6.33%

    For 2023, Zillow Home Loans's most frequently originated type of loan was Conventional, with 3,712 originations. Their 2nd most popular type was FHA, with 1,342 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,180 $1,535,920,000 $296,510 $7,980 6.73%
    Cash Out Refi 37 $11,355,000 $306,892 $9,195 6.57%
    Other 7 $1,755,000 $250,714 $6,217 6.93%
    Refi 7 $1,825,000 $260,714 $6,087 6.68%
    Home Improvement 1 $465,000 $465,000 $9,932 7.88%

    For 2023, Zillow Home Loans's most frequently cited loan purpose was Home Purchase, with 5,180 originations. The 2nd most popular reason was Cash Out Refi, with 37 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,134 $1,520,580,000 $296,178 $7,987 6.74%
    15 Year 87 $28,085,000 $322,816 $7,942 5.94%
    20 Year 9 $2,065,000 $229,444 $5,780 6.40%
    Other 2 $590,000 $295,000 $12,736 6.88%

    For 2023, Zillow Home Loans's most frequently cited loan duration was 30 Year, with 5,134 originations. The 2nd most popular length was 15 Year, with 87 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,448 $427,990,000 $295,573
    $5k+ 1,235 $450,265,000 $364,587
    $2k-3k 1,098 $278,080,000 $253,260
    $3k-4k 861 $218,155,000 $253,374
    $4k-5k 513 $148,255,000 $288,996
    $<1k 77 $28,575,000 $371,104

    Zillow Home Loans's average total fees were $7,987, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,448 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 2,541 $774,305,000 $304,725
    7-8% 1,696 $466,460,000 $275,035
    5-6% 860 $276,140,000 $321,093
    Over 8% 83 $15,995,000 $192,711
    4-5% 52 $18,420,000 $354,231

    During 2023, Zillow Home Loans's average interest rate for loans was 6.74%, while their most frequently originated rate bucket for loans was 6-7%, with 2,541 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,666 $772,800,000 $289,872 $8,234 6.66%
    $100k-200k 1,325 $207,865,000 $156,879 $5,741 6.85%
    $400k-600k 790 $376,560,000 $476,658 $10,518 6.58%
    $600k-1MM 235 $162,065,000 $689,638 $11,518 6.72%
    $100,000 or less 201 $15,825,000 $78,731 $4,837 7.45%
    $1MM+ 15 $16,205,000 $1,080,333 $15,139 6.85%

    2023 saw Zillow Home Loans place emphasis on $200k-400k loans with 2,666 originations, totaling $772,800,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,341 $450,005,000 $335,574 $8,886 6.69%
    $50k-75k 1,202 $251,090,000 $208,894 $6,834 6.65%
    $75k-100k 1,060 $285,700,000 $269,528 $8,131 6.68%
    $150k-250k 816 $341,760,000 $418,824 $8,993 6.81%
    $50k or less 513 $69,775,000 $136,014 $5,539 6.89%
    $250k+ 300 $152,990,000 $509,967 $9,476 6.91%

    Zillow Home Loans lent most frequently to those with incomes in the $100k-150k range, with 1,341 originations. The second most popular income band? $50k-75k, with 1,202 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 788 $230,150,000 $292,069 $7,184 6.75%
    20-30% 654 $185,430,000 $283,532 $6,933 6.79%
    50-60% 580 $180,070,000 $310,466 $11,508 6.44%
    49% 357 $105,665,000 $295,980 $8,037 6.80%
    47% 240 $71,780,000 $299,083 $8,004 6.80%
    48% 236 $69,090,000 $292,754 $7,822 6.82%
    44% 233 $72,005,000 $309,034 $7,827 6.74%
    43% 232 $69,330,000 $298,836 $7,872 6.73%
    41% 220 $65,750,000 $298,864 $7,439 6.77%
    45% 215 $64,465,000 $299,837 $7,753 6.76%
    46% 211 $60,025,000 $284,479 $7,966 6.75%
    42% 207 $62,215,000 $300,556 $8,356 6.74%
    40% 200 $62,100,000 $310,500 $7,751 6.75%
    39% 187 $55,945,000 $299,171 $7,850 6.70%
    38% 185 $58,975,000 $318,784 $7,406 6.75%
    36% 184 $50,870,000 $276,467 $7,563 6.78%
    37% 163 $47,925,000 $294,018 $7,432 6.78%
    <20% 137 $38,085,000 $277,993 $6,388 6.80%
    >60% 3 $1,445,000 $481,667 $11,773 6.08%

    Zillow Home Loans lent most frequently to those with DTI ratios of 30-36%, with 788 originations. The next most common DTI ratio? 20-30%, with 654 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,823 $797,605,000 $282,538 $7,639 6.76%
    Not provided 1,561 $481,435,000 $308,414 $8,171 6.71%
    Asian 383 $140,405,000 $366,593 $8,437 6.72%
    Black 388 $109,770,000 $282,912 $9,334 6.63%
    American Indian 51 $12,425,000 $243,627 $7,929 6.74%
    Native Hawaiian or Islander 17 $5,905,000 $347,353 $8,025 6.67%
    Asian Indian 5 $2,425,000 $485,000 $5,577 6.58%
    Vietnamese 3 $1,015,000 $338,333 $8,335 7.04%
    Other Pacific Islander 1 $335,000 $335,000 $7,771 6.88%

    Approval Rates

    Total approvals of all applications
    94.30%

    Zillow Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    66.06%

    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 5,232 $1,551,320,000 $296,506

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,232 $1,551,320,000 $296,506

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $12,310,000 $198,548 $5,991 6.72%
    40-60% 217 $57,975,000 $267,166 $6,473 6.70%
    60-80% 1,025 $311,055,000 $303,468 $7,114 6.86%
    80-100% 3,890 $1,155,130,000 $296,949 $8,242 6.70%
    Over 100% 34 $14,270,000 $419,706 $18,311 6.03%
    Under 20% 4 $580,000 $145,000 $4,618 7.03%