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Mortgage Lenders of America: 2025 loan data
Mortgage Lenders of America's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as ZILLOW HOME LOANS, LLC
- Home loans closed14,357Loans it funded in 2025
- Approval rate92.6%Of applications it said yes or no to
- Typical loan costs$6,154.40Middle amount, before taxes, prepaids and escrow
- Typical lender fees$2,599.28Its own charges to make the loan
What it closes
14,357 home loans closed in 2025
Share of its 2025 home loans: 74% Conventional, 18% FHA and 8% VA.
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
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 Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 4,384 applications were withdrawn by the borrower, 25 were closed for incompleteness, and 26 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.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 November 11, 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.