ZILLOW HOME LOANS, LLC closing costs and rates (2024)
In 2024, ZILLOW HOME LOANS, LLC originated 8,832 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $6,701. That ranks #51 nationally by origination volume. For total closing costs among lenders with 500+ originations, ZILLOW HOME LOANS, LLC ranks #350. That is $40 below the national median of $6,741. ZILLOW HOME LOANS, LLC is most active in Georgia with 905 originations there.
Purchase Originations
8,832
Ranked #51 nationally
Median Total Costs
$6,701
−0.6% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$3,005
Median Lender Credits
$439
Cost Rank (500+ vol.)
#350
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 6,177 | 6.625% | $5,482 | $2,742 |
| fha | 2,129 | 6.250% | $11,699 | $3,834 |
| va | 526 | 6.250% | $7,436 | $1,583 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 905 | 6.625% | $6,713 | #25 |
| North Carolina | 861 | 6.625% | $5,772 | #31 |
| Texas | 810 | 6.500% | $7,834 | #79 |
| California | 796 | 6.500% | $9,025 | #50 |
| Florida | 696 | 6.625% | $7,082 | #67 |
| Arizona | 638 | 6.625% | $7,483 | #29 |
| Colorado | 528 | 6.500% | $6,389 | #28 |
| Ohio | 260 | 6.750% | $5,155 | #80 |
| Pennsylvania | 257 | 6.625% | $5,984 | #84 |
| Illinois | 243 | 6.750% | $6,274 | #84 |
| Oregon | 217 | 6.250% | $9,068 | #42 |
| Washington | 194 | 6.500% | $7,109 | #73 |
| Indiana | 193 | 6.625% | $5,150 | #83 |
| South Carolina | 185 | 6.625% | $5,702 | #77 |
| Michigan | 170 | 6.875% | $4,253 | #85 |
| Nevada | 158 | 6.625% | $6,948 | #46 |
| Virginia | 156 | 6.625% | $6,079 | #101 |
| Missouri | 143 | 6.625% | $5,376 | #75 |
| Minnesota | 126 | 6.625% | $5,858 | #78 |
| Tennessee | 120 | 6.625% | $6,241 | #109 |
| Oklahoma | 105 | 6.625% | $5,020 | #66 |
| Arkansas | 100 | 6.625% | $5,996 | #60 |
| Maryland | 97 | 6.625% | $7,036 | #102 |
| Alabama | 92 | 6.750% | $6,702 | #95 |
| Kansas | 70 | 6.750% | $3,872 | #87 |
| Kentucky | 70 | 6.750% | $5,259 | #102 |
| Wisconsin | 69 | 6.625% | $4,268 | #120 |
| New Jersey | 64 | 6.500% | $8,128 | #130 |
| Massachusetts | 54 | 6.625% | $7,676 | #122 |
| Louisiana | 48 | 6.625% | $6,324 | — |
| Connecticut | 45 | 6.625% | $7,006 | — |
| New Mexico | 45 | 6.625% | $5,799 | — |
| Mississippi | 39 | 6.750% | $5,335 | — |
| West Virginia | 38 | 6.812% | $5,273 | — |
| Iowa | 32 | 7.000% | $4,029 | — |
| Nebraska | 32 | 6.625% | $4,601 | — |
| Maine | 26 | 6.688% | $5,180 | — |
| Montana | 22 | 6.562% | $6,586 | — |
| Idaho | 17 | 6.625% | $6,882 | — |
| Alaska | 15 | 6.625% | $3,998 | — |
| New Hampshire | 15 | 6.875% | $5,984 | — |
| Utah | 14 | 6.625% | $9,502 | — |
| Vermont | 12 | 6.438% | $5,877 | — |
| Wyoming | 10 | 6.500% | $7,381 | — |
| District of Columbia | 9 | 6.625% | $5,950 | — |
| Delaware | 9 | 6.625% | $10,471 | — |
| North Dakota | 8 | 6.812% | $4,768 | — |
| South Dakota | 8 | 6.562% | $5,926 | — |
| Hawaii | 7 | 6.250% | $9,203 | — |
| Rhode Island | 4 | 6.188% | $12,353 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,069 | 6.438% | — | 188 | −$1,632 | |
| 2 | $5,288 | 6.625% | — | 163 | −$1,413 | |
| 3 | $5,757 | 6.375% | — | 107 | −$944 | |
| 4 | $6,168 | 6.500% | — | 112 | −$533 | |
| 5 | $6,246 | 6.500% | — | 105 | −$455 | |
| 6 | $6,328 | 6.500% | — | 84 | −$373 | |
| 7 | $6,551 | 6.625% | — | 97 | −$150 | |
| 8 | $6,669 | 6.500% | — | 122 | −$32 | |
| 9 | $6,868 | 6.500% | — | 87 | +$167 | |
| 10 | $6,892 | 6.625% | — | 143 | +$191 | |
| 11 | $7,275 | 6.625% | — | 509 | +$574 | |
| 12 | $7,441 | 6.500% | — | 84 | +$740 | |
| 13 | $7,863 | 6.625% | — | 107 | +$1,162 | |
| 14 | $8,121 | 6.625% | — | 93 | +$1,420 | |
| 15 | $8,404 | 6.375% | — | 85 | +$1,703 | |
| 16 | $8,515 | 6.250% | — | 85 | +$1,814 | |
| 17 | $8,886 | 6.375% | — | 101 | +$2,185 | |
| 18 | $9,217 | 6.375% | — | 143 | +$2,516 | |
| 19 | $9,315 | 6.625% | — | 126 | +$2,614 | |
| 20 | $9,653 | 6.500% | — | 146 | +$2,952 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.