Mortgage Lenders of America NMLS #10287
At a glance
- Size14,357 home loans closed in 2025
- Loan typesConventional, FHA and VA
2025 figures are for ZILLOW HOME LOANS, LLC's filing.
What it closes
Share of its 2025 home loans: 74% Conventional, 18% FHA and 8% VA.
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Who is Mortgage Lenders of America?
Mortgage Lenders of America is a brand of Zillow Home Loans (NMLS #10287), which is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerMortgage Lenders of America
- Brand ofZillow Home Loans, NMLS #10287
- NMLS #10287
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Mortgage Lenders of America
Overview
Zillow Home Loans is a mortgage lender that provides home loans for buying a home and refinancing an existing mortgage. For home shoppers, its process includes an affordability estimate and a Verified Pre-approval step before moving toward a loan application.
Mortgage options
Mortgage options include conventional, FHA, VA, adjustable-rate, and jumbo loans, along with purchase and refinance financing.
How it works
Borrowers can begin with an estimate of what they may be able to afford, then move to a Verified Pre-approval letter for use while shopping for a home. Existing customers can access a dashboard for their loan process.
Locations
Zillow Home Loans has 25 branches across 16 states and the District of Columbia.
Company details and licensing
Zillow Home Loans, LLC is a Kansas limited liability company formed on September 14, 2000. Its headquarters is at 2600 Michelson Drive, Suite 1201, Irvine, California 92612.
Supported trade names include Mortgage Lenders of America and BuyAbility. NMLS company ID is 10287. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #10287 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asZILLOW HOME LOANS, LLC
- 2025 home loan decisionsOf 15,738 applications decided by ZILLOW HOME LOANS, LLC in 2025, 14,357 were originated, 220 were approved but not accepted by the borrower, and 1,161 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 92.6%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 4,384 applications were withdrawn by the borrower, 25 were closed for incompleteness, and 26 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.299 percentage points above the average prime offer rate (reported on 14,357 originations)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$6,154.40 — originated closed-end household loans, 2025, 14,357 loans. FFIEC HMDA data browser.
- Median origination charges$2,599.28 — originated closed-end household loans, 2025, 14,357 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types10,622 Conventional, 2,554 FHA, 1,181 VA — of 14,357 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for ZILLOW HOME LOANS, LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Mortgage Lenders of America's NMLS number?
Mortgage Lenders of America's NMLS number is 10287. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Where can I learn more about Mortgage Lenders of America?
This page has Mortgage Lenders of America's NMLS registration and company facts, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.