Purchase Originations
13,655
Ranked #30 nationally
Median Total Costs
$6,142
−8.1% vs national ($6,680)
↓ $559 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,546
Median Lender Credits
$275
Cost Rank (500+ vol.)
#291
among lenders with 500+ originations
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 9,926 | 6.500% | $5,351 | $2,511 |
| fha | 2,550 | 6.500% | $10,892 | $3,196 |
| va | 1,179 | 6.125% | $6,295 | $846 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,595 | 6.375% | $6,763 | #39 |
| Florida | 1,463 | 6.500% | $6,147 | #32 |
| California | 1,118 | 6.375% | $8,092 | #36 |
| Georgia | 1,078 | 6.500% | $6,205 | #20 |
| North Carolina | 1,038 | 6.500% | $5,891 | #28 |
| Colorado | 620 | 6.375% | $6,371 | #23 |
| Arizona | 573 | 6.500% | $7,012 | #30 |
| Michigan | 561 | 6.625% | $4,407 | #33 |
| Ohio | 458 | 6.625% | $4,675 | #60 |
| Illinois | 419 | 6.625% | $6,594 | #56 |
| Virginia | 416 | 6.490% | $5,974 | #47 |
| Pennsylvania | 382 | 6.625% | $5,924 | #55 |
| Washington | 352 | 6.250% | $7,244 | #43 |
| Maryland | 342 | 6.500% | $6,132 | #43 |
| Indiana | 287 | 6.625% | $4,483 | #61 |
| South Carolina | 279 | 6.500% | $6,172 | #61 |
| Minnesota | 272 | 6.625% | $4,576 | #51 |
| Oklahoma | 236 | 6.625% | $5,395 | #35 |
| Oregon | 235 | 6.375% | $7,833 | #36 |
| Missouri | 230 | 6.625% | $4,812 | #51 |
| Nevada | 217 | 6.375% | $6,909 | #36 |
| Arkansas | 175 | 6.500% | $3,800 | #42 |
| Tennessee | 136 | 6.625% | $6,475 | #103 |
| Wisconsin | 126 | 6.688% | $4,167 | #81 |
| Alabama | 113 | 6.625% | $5,670 | #84 |
| New Jersey | 105 | 6.500% | $7,263 | #108 |
| Kentucky | 102 | 6.750% | $4,491 | #84 |
| Kansas | 78 | 6.562% | $4,394 | #79 |
| Iowa | 72 | 6.625% | $4,024 | #69 |
| Massachusetts | 65 | 6.500% | $5,444 | #115 |
| Louisiana | 57 | 6.625% | $5,705 | #74 |
| Nebraska | 56 | 6.562% | $3,345 | #55 |
| West Virginia | 55 | 6.625% | $4,731 | #47 |
| Connecticut | 52 | 6.625% | $5,137 | #72 |
| District of Columbia | 40 | 6.125% | $6,310 | — |
| New Mexico | 40 | 6.562% | $4,431 | — |
| Mississippi | 38 | 6.875% | $6,661 | — |
| Utah | 29 | 6.125% | $5,819 | — |
| Maine | 25 | 6.500% | $5,406 | — |
| New Hampshire | 19 | 6.625% | $4,298 | — |
| Montana | 18 | 6.750% | $6,019 | — |
| Delaware | 17 | 6.500% | $5,712 | — |
| Alaska | 15 | 6.500% | $4,626 | — |
| Hawaii | 9 | 6.625% | $7,318 | — |
| Idaho | 9 | 6.375% | $7,590 | — |
| North Dakota | 9 | 6.625% | $4,520 | — |
| Rhode Island | 7 | 6.625% | $4,831 | — |
| South Dakota | 7 | 6.875% | $4,131 | — |
| Wyoming | 6 | 6.438% | $8,466 | — |
| Vermont | 4 | 6.750% | $7,099 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,380 | 6.625% | — | 114 | −$1,762 | |
| 2 | $5,332 | 6.375% | — | 199 | −$810 | |
| 3 | $5,395 | 6.375% | — | 115 | −$747 | |
| 4 | $6,251 | 6.375% | — | 131 | +$109 | |
| 5 | $6,263 | 6.500% | — | 195 | +$121 | |
| 6 | $6,320 | 6.625% | — | 176 | +$178 | |
| 7 | $6,581 | 6.375% | — | 187 | +$439 | |
| 8 | $6,658 | 6.433% | — | 142 | +$516 | |
| 9 | $6,895 | 6.500% | — | 188 | +$753 | |
| 10 | $6,922 | 6.625% | — | 169 | +$780 | |
| 11 | $6,943 | 6.375% | — | 121 | +$801 | |
| 12 | $7,144 | 6.500% | — | 444 | +$1,002 | |
| 13 | $7,205 | 6.375% | — | 129 | +$1,063 | |
| 14 | $7,360 | 6.438% | — | 114 | +$1,218 | |
| 15 | $7,763 | 6.125% | — | 137 | +$1,621 | |
| 16 | $7,951 | 6.188% | — | 124 | +$1,809 | |
| 17 | $8,197 | 6.375% | — | 200 | +$2,055 | |
| 18 | $8,420 | 6.375% | — | 186 | +$2,278 | |
| 19 | $8,475 | 6.375% | — | 133 | +$2,333 | |
| 20 | $8,646 | 6.375% | — | 263 | +$2,504 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Zillow Home Loans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,142 | $7,127 | −$985 (−13.8%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.