ZILLOW HOME LOANS, LLC (2025)

Official HMDA public records summary of residential mortgage lending for ZILLOW HOME LOANS, LLC. Review underwriting credit decisions, consumer product distribution, and national lending volume.

LEI: 549300370QILXLFUWD20 • Headquarters: Irvine, CA • Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Methodology →
Lender Profile #42 of 2,712
13,732 Loans Originated
• 0.34% National Market Share
• $4.60 Billion Originated Volume
• $295,000 Median Loan
Actionable Applications 15,037 Decisioned (Actions 1–3)
Approval Rate 92.71% 92.71% of actionable
Denial Rate 7.29% 7.29% of actionable
Loan Originations 13,732 91.32% funded rate
Originated Volume $4.60 Billion Median: $295,000

Application Outcomes (2025)

Outcomes for 15,037 actionable applications (Actions 1, 2, and 3).

92.71%
7.29%
13,941 approved 1,096 denied
Action 1: Originated
13,732 (91.32%)
Action 2: Approved not accepted
209 (1.39%)
Action 3: Denied
1,096 (7.29%)
Action 4: Withdrawn (not in denominator)
4,158 —
Action 5: Incomplete (not in denominator)
23 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How ZILLOW HOME LOANS, LLC Compares

Institution vs. National Baseline (2025)

Metric ZILLOW HOME LOANS, LLC U.S. National
Actionable Apps 15,037 5,197,320
Approval Rate 92.71% 82.12%
Denial Rate 7.29% 17.88%
Originations 13,732 4,052,301
Originated Volume $4.60 Billion $1.58 Trillion
Median Loan $295,000 $325,000
Compared against 5,197,320 national actionable applications across all lenders in 2025.

Loan Product Mix (2025)

Distribution across Conventional, FHA, VA, and USDA loan types

Loan Product Apps Originations Approval %
Conventional 10,798 9,997 93.97%
FHA 2,946 2,554 87.64%
VA 1,293 1,181 93.74%

Regulatory & Corporate Profile

Official entity details from CFPB Transmittal Sheet

Legal Entity Identifier (ISO 17442 LEI) 549300370QILXLFUWD20
Reported Corporate Headquarters Irvine, CA
National Origination Rank Rank #42 by Action 1 Originations
Data Collection Basis Regulation C (12 CFR Part 1003) Annual LAR Submission
Lenders undergo structural changes, portfolio sales, or name updates over time. Multi-year comparisons track institutions strictly by LEI.

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Top 100 Lenders

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.