Zillow Home Loans, LLC mortgage approval rate & lending review
Zillow Home Loans, LLC decided 26,607 mortgage applications and funded 24,317 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Zillow Home Loans, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to zillow.com.
Zillow Home Loans, LLC at a glance
Approval is 5.3 points above the 87.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 23,438 / 25,209 | 99% | $315K | 23,091 |
| Cash-out refinance | 80% | 92 / 115 | 91% | $285K | 84 |
| Refinance | 86% | 79 / 92 | 92% | $405K | 73 |
| Investment property purchase | 91% | 1,078 / 1,179 | 98% | $225K | 1,060 |
Zillow Home Loans, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 90% | $285K | 2,951 | 2,620 |
| Texas | 92% | $275K | 2,895 | 2,618 |
| Georgia | 92% | $315K | 2,509 | 2,274 |
| California | 93% | $605K | 2,429 | 2,211 |
| North Carolina | 97% | $345K | 2,222 | 2,117 |
| Arizona | 94% | $375K | 1,786 | 1,664 |
| Colorado | 96% | $425K | 1,308 | 1,246 |
| Ohio | 93% | $195K | 856 | 788 |
| Pennsylvania | 94% | $245K | 819 | 750 |
| Michigan | 94% | $185K | 808 | 742 |
| Illinois | 91% | $245K | 750 | 669 |
| Washington | 95% | $545K | 671 | 630 |
| South Carolina | 93% | $285K | 566 | 523 |
| Maryland | 91% | $405K | 523 | 470 |
| Oregon | 95% | $375K | 519 | 486 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Zillow Home Loans, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Mortgage lenders | 94% | 1,343 | 1,257 |
| Wake County, NC | Mortgage lenders | 97% | 526 | 502 |
| Los Angeles County, CA | Mortgage lenders | 90% | 489 | 435 |
| Mecklenburg County, NC | Mortgage lenders | 98% | 417 | 400 |
| San Diego County, CA | Mortgage lenders | 95% | 348 | 327 |
| Fulton County, GA | Mortgage lenders | 90% | 363 | 324 |
| Bexar County, TX | Mortgage lenders | 93% | 347 | 314 |
| Riverside County, CA | Mortgage lenders | 92% | 333 | 302 |
| Cobb County, GA | Mortgage lenders | 95% | 314 | 297 |
| Tarrant County, TX | Mortgage lenders | 93% | 320 | 297 |
| Gwinnett County, GA | Mortgage lenders | 95% | 315 | 296 |
| Denver County, CO | Mortgage lenders | 96% | 294 | 279 |
The county markets where Zillow Home Loans, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Zillow Home Loans, LLC
What is Zillow Home Loans, LLC's mortgage approval rate?
Zillow Home Loans, LLC approved 92.8% of the 26,607 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.3 points above the 87.5% national rate for the same mix of loan types.
How often do borrowers take the loan Zillow Home Loans, LLC offers?
Borrowers accepted 98% of the loans Zillow Home Loans, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Zillow Home Loans, LLC make?
The typical home purchase mortgage loan Zillow Home Loans, LLC made was $315K; across all loan types its typical loan ran from $225K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Zillow Home Loans, LLC lend?
Zillow Home Loans, LLC decided applications in 50 of the states Fat Boy Data covers, most of them in Florida, Texas and Georgia.
Can I apply to Zillow Home Loans, LLC directly?
Yes. Zillow Home Loans, LLC reports as a direct lender that takes applications from borrowers. Its website is zillow.com.
Does this page show Zillow Home Loans, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Zillow Home Loans, LLC treats applications, then get a rate quote from the lender.