ZILLOW HOME LOANS, LLC

14,357 mortgages originated in 2025 across 34 states, and what they cost borrowers.

Loans originated

14,357

Median rate

6.500%

Median lender fees

$6,154

Median loan amount

$295,000

Median spread over APOR

0.299

Paid discount points

74.6%

Received lender credits

47.2%

Purchases / refinances

99.4% / 0.5%

Conventional / FHA / VA

74% / 17.8% / 8.2%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 100% of loans here — see methodology.

Where ZILLOW HOME LOANS, LLC lent

States with at least 50 loans in 2025, ranked by volume.