Zippy Loans, LLC mortgage approval rate & lending review
Zippy Loans, LLC decided 6,551 mortgage applications and funded 2,928 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Zippy Loans, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to zippyloan.com.
Zippy Loans, LLC at a glance
Approval is 42.2 points below the 87.6% 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 | 45% | 2,964 / 6,524 | 98% | $45K | 2,919 |
| Investment property purchase | 33% | 9 / 27 | 100% | $75K | 9 |
Zippy Loans, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 46% | $45K | 1,446 | 651 |
| Indiana | 43% | $35K | 1,086 | 452 |
| Texas | 51% | $55K | 734 | 373 |
| Illinois | 40% | $35K | 673 | 260 |
| Kansas | 55% | $35K | 571 | 307 |
| Florida | 39% | $45K | 526 | 204 |
| Wisconsin | 54% | $55K | 412 | 223 |
| Missouri | 45% | $35K | 242 | 108 |
| Ohio | 59% | $55K | 152 | 89 |
| Arizona | 60% | $45K | 126 | 76 |
| Kentucky | 18% | $25K | 119 | 21 |
| Georgia | 23% | $45K | 107 | 25 |
| Iowa | 51% | $45K | 79 | 40 |
| Oklahoma | 24% | $25K | 66 | 16 |
| Alabama | 58% | $35K | 64 | 36 |
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 Zippy Loans, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Marion County, IN | Mortgage lenders | 46% | 345 | 153 |
| Oakland County, MI | Mortgage lenders | 59% | 234 | 139 |
| Sedgwick County, KS | Mortgage lenders | 53% | 225 | 116 |
| Johnson County, IN | Mortgage lenders | 39% | 288 | 111 |
| Macomb County, MI | Mortgage lenders | 51% | 196 | 98 |
| Wayne County, MI | Mortgage lenders | 29% | 295 | 87 |
| Rock County, WI | Mortgage lenders | 52% | 160 | 84 |
| Madison County, IL | Mortgage lenders | 41% | 201 | 81 |
| Duval County, FL | Mortgage lenders | 34% | 199 | 67 |
| Allen County, IN | Mortgage lenders | 51% | 134 | 67 |
| Wyandotte County, KS | Mortgage lenders | 52% | 129 | 67 |
| Genesee County, MI | Mortgage lenders | 59% | 116 | 67 |
The county markets where Zippy Loans, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Zippy Loans, LLC
What is Zippy Loans, LLC's mortgage approval rate?
Zippy Loans, LLC approved 45.4% of the 6,551 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 42.2 points below the 87.6% national rate for the same mix of loan types.
How often do borrowers take the loan Zippy Loans, LLC offers?
Borrowers accepted 98% of the loans Zippy 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 Zippy Loans, LLC make?
The typical home purchase mortgage loan Zippy Loans, LLC made was $45K; across all loan types its typical loan ran from $45K to $75K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Zippy Loans, LLC lend?
Zippy Loans, LLC decided applications in 20 of the states Fat Boy Data covers, most of them in Michigan, Indiana and Texas.
Can I apply to Zippy Loans, LLC directly?
Yes. Zippy Loans, LLC reports as a direct lender that takes applications from borrowers. Its website is zippyloan.com.
Does this page show Zippy 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 Zippy Loans, LLC treats applications, then get a rate quote from the lender.