Zillow Home Loans Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores Zillow Home Loans
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
3 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
2 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
10%4 out of 5 - Where and what they lend
How many states and loan types this lender serves.
91%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, at least 95% did, which might mean quoted terms held up, applicants were well qualified, or both.
Ready to get the lowest rate?
the lowest rate?See what Zillow Home Loans will actually offer you when it has to compete — in minutes, with no hit to your credit.
What Bankrate's editors think
Zillow Home Loans’ differentiator is its tie-in to Zillow’s own real estate listings: the BuyAbility tool estimates what you can afford in real time as you browse homes, updating automatically when rates move. On the numbers, about 55% of Zillow’s mortgages were priced below comparable loans in 2025, roughly the middle of the pack. But it charges less in added costs than fewer than 40% of comparable lenders, so despite average-looking prices, the total cost over time skews higher than most.
Zillow has a relatively low rate of origination-related CFPB complaints, and if you’re approved for a loan here, you’re very likely to close it — which isn’t always the case. But Zillow doesn’t offer USDA loans, and doesn’t have down payment assistance or first-time-buyer programs like some competitors offer. It lends in every state except New York.
Zillow Home Loans is also a defendant in an ongoing class action lawsuit that alleges its agent-referral programs steered homebuyers toward Zillow through improper incentives, in violation of RESPA. A judge dismissed the original claims in July 2026, but let plaintiffs refile — they did, in August 2026, with a narrower complaint that’s still pending.
At a glance
Good for buyers with straightforward finances who want a conventional, FHA or VA loan, especially if you’re already house-hunting on Zillow’s app. Not a good fit if you’re chasing the lowest rate or want down payment assistance or specialized programs.
Compare lenders
Get today's rates for youCompare Zillow Home Loans with any of our rated 1,962+ lenders. We start by stacking it up against a lender of similar reach and scale — but you can swap in any lender you’d like.
Figures are drawn from public lending and complaint data and weighted by loan volume.
Ready to see what Zillow Home Loans will really offer you?
See your real rate in minutes, with no hit to your credit.
