Zillow Home Loans Reviews
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About Zillow Home Loans
Zillow Home Loans, LLC (NMLS #10287) is a lender affiliated with Zillow, the real estate website. It offers purchase and refinance loans in all states except New York, including conventional loans, government-backed loans and jumbo loans. Zillow Home Loans is based in Irvine, California.
- Conventional and government-backed loans
- Online application process
- Competitive rates
- Not available in New York
- Minimum credit score of 620
Helpful Reviews
Our editor’s take on Zillow Home Loans
Zillow Home Loans can be a good choice for first-time homebuyers or refinance borrowers since it offers a range of purchase and refinance loan types. It offers a streamlined online process, and it’s easy to get prequalified with no impact to your credit score.
However, we don’t recommend this lender for individuals with lower credit scores since Zillow Home Loans typically requires a minimum credit score of 620 for most loan types.
Rates
Zillow Home Loans publishes rates for some of its loans online. For the following rates, Zillow Home Loans assumed a credit score of 740 and a debt-to-income (DTI) ratio under 43%. All annual percentage rates (APRs) are accurate as of May 29, 2026.
| Loan type | |
|---|---|
| 30-year fixed | |
| 20-year fixed | |
| 15-year fixed | |
| 30-year FHA | |
| 30-year VA |
Several ConsumerAffairs reviewers have praised Zillow Home Loans’s competitive rates, stating that they received better rates with Zillow Home Loans than with competitors.
For instance, Kenny, a reviewer from California, said: “The rate is a better one as compared to the other loan company I applied to at the same time, and was very competitive when I did research online.”
Application process
You can start the application process by getting prequalified for a loan on its website in as little as five minutes. This process will involve answering questions related to what kind of property you’re looking for, where you’re looking to buy, your home budget and your finances. Zillow Home Loans will also perform a soft credit check, which won’t impact your credit score.
Once you’re ready to look for a home, you can upgrade your prequalification to a verified preapproval, which involves submitting supporting documentation and a hard credit check. You can then officially apply for a home loan once you submit an offer on a home.
Ashley, a reviewer from North Carolina, said they had a good experience with Zillow Home Loans.
“The entire process, from application to final approval, closing, and funding, the Zillow loan team made sure my best interests and financial scenarios were pursued and achieved, efficiently and painlessly,” Ashley said.
Zillow Home Loans application features
The table below shows some of Zillow Home Loans’s application process features:
| Features | Availability |
|---|---|
| Online application | |
| Mobile document upload | |
| Physical branches | |
| Publishes rates online | |
| Rate lock | Not disclosed |
| Prequalification (no hard credit pull) | |
| Certified approval letter |
» MORE: How to apply for a mortgage
Loan types
Zillow Home Loans offers conventional purchase loans with fixed or variable rates, jumbo loans, Federal Housing Administration (FHA) loans and U.S. Department of Veterans Affairs (VA) loans. Its conventional loans are available in 15-, 20- or 30-year terms, while its VA loans and FHA loans typically have 30-year terms.
Refinancing
Zillow Home Loans provides refinance loans that help borrowers get a better rate, change their loan term or get cash out of their home equity.
Ericka, a reviewer from Virginia, said about refinancing with Zillow Home Loans: “I had no idea Zillow offered home loans but I'm sure glad I found out! This was my first experience refinancing my home loan and Zillow's staff was outstanding! At each and every step in the process, I was impressed. Every question was answered by the incredible staff, and the whole process from the first call to completion took 21 days!”
Requirements
Zillow Home Loans discloses some of its borrower requirements for its loans. It generally requires applicants to have a minimum credit score of 620 for most loan types, though it doesn’t disclose its maximum debt-to-income ratio. It also generally requires applicants to have at least two years of employment history or be a recent college graduate.
You’ll typically need to put down at least 3% for a 30-year fixed-rate loan and at least 5% for a 15-year or 20-year fixed-rate loan. FHA loans require a minimum down payment of 3.5% and VA loans don’t require a down payment.
To learn which loans you may qualify for and how much you can borrow, you can get prequalified on its website or call to speak with a loan officer.
MaiZon, a reviewer from Texas, had issues with Zillow Home Loans’s requirements.
“Pre-approval process was very easy... So easy that they even [pre-approved] my husband for a greater amount than what he was stating with just 3 pay stubs and nothing else,” MaiZon said. “I thought it was a miracle that they would still let us go all the way through to the very end even when the numbers didn’t add up in the beginning. We went along with it, because we were hopeful, new and inexperienced homebuyers, and believed they were trying to help us. Everything was going good until the very end…
“Four days before our closing date, our loan agent called my husband and stated that the closing date would be pushed back. Basically he is not making enough money to qualify for the house. We were confused as to why they pre-approved him in the first place.”
Cost and fees
Zillow Home Loans doesn’t list its specific fees online, but you can generally expect to pay closing costs. Zillow Home Loans states these costs are typically 3% to 5% of the loan amount and may include costs related to appraisals, credit reports, settlements, title insurance, prepaids, escrowed amounts and other transactions.
Thomas, a reviewer from Florida, said: “We had our closing 11 days after submitting an application. And, while the interest rate was virtually the same between companies, Zillow had no upfront fee to process the loan. And, we had no need for an appraisal as Zillow waived the appraisal.”
Compare Zillow Home Loans to other lenders
Here’s how Zillow Home Loans compares to other top mortgage lenders:
| Company | Customer rating | Purchase options | Refinancing options | Minimum credit score | |
|---|---|---|---|---|---|
Zillow Home Loans | Learn More | 1.9 | Conventional, FHA, VA, jumbo | Cash-out, rate, term | 620 |
 Homefinity | Learn More | 4.6 | Conventional, FHA, VA, USDA, jumbo | Cash-out, rate, term | 580 to 620 |
 Rocket Mortgage | View Rates | 4.0 | Conventional, FHA, VA, jumbo | Cash-out, rate and term | 580 to 620 |
FAQ
Is Zillow Home Loans legitimate?
Zillow Home Loans is a legitimate mortgage lender that’s licensed in 49 states. It was originally known as Mortgage Lenders of America, which was founded in 2000. In 2018, it was acquired by Zillow.
Where is Zillow Home Loans available?
Zillow Home Loans is available in 49 states. Its products are not offered in New York.
How hard is it to get a Zillow home loan?
How hard it is to get a Zillow home loan generally depends on your credit score, DTI ratio, income and employment history. You’ll generally have the best odds of approval if you have a good to excellent credit score (a FICO score of 670 to 850), stable income and a low DTI ratio.
Note that Zillow Home Loans typically requires a minimum credit score of 620. While this is fairly standard for conventional and VA loans, it’s high for FHA loans. If you’re interested in an FHA loan and have a lower credit score, it would be better to look into another lender since other lenders may accept lower credit scores. FHA loans generally require a minimum credit score of 500 or 580.
Still have questions?
Zillow Home Loans Reviews
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- 4,894,851 reviews on ConsumerAffairs are verified.
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Reviewed May 28, 2026
This is the most corrupt and ethical company. Don't use them. Don't ever ever ever use Zillow home loans. They asked for w2s the night before closing. We did not make closing then they pushed it off and we did not make it again. They just bank statements and w2s asking for things over and over again. They ran hard credit checks without approval and when we reported our loan officer we were told that we were told we are speaking to his boss.... It turns out our was his friend. We never spoke to his boss. They are completely incompetent and unethical. They never locked in the rate and upped the price by$800.
Zillow responded to me saying they want to work this out.. They promised to have the loan officers boss call me today.... NEVER CALLED. The head of customer experience promised to call and email.... NEVER CALLED AND EMAILED and still we are are forced to have the loan officer who did illegal credit checks work on our loan.
Thank you, Laura Kark, for your review. We apologize that your experience with Zillow Home Loans was not up to your expectations. We take your feedback very seriously and are looking into your concerns and will address internally.
Reviewed May 4, 2026
Thomas ** is certainly and properly called a Premier Loan Officer. Great, does not adequately define his work on my loan and closing. He was personable, prompt, proficient, and professional! If I could give him more than 5 stars, I would. He certainly exceeded that measure and will be my "go to" in any future real estate endeavors!
We are delighted to hear that Thomas created such a positive experience for you. Thank you for recognizing their hard work and commitment to helping you every step of the way.
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Reviewed May 2, 2026
The loan has been transferred twice in 4 months. Each time it has been transferred, I have to go through an ordeal to be able to make a payment. It shouldn't be that hard to pay your bills.
We would like to apologize for the frustration you have experienced recently. We are so sorry to hear that your experience with us has not met your expectations. Customer satisfaction is our top priority, and we are truly sorry that has not been demonstrated to you. If you would like to speak with a Customer Experience Analyst please reach out to us at ZHLCustomerExperience@zillowhomeloans.com.
Reviewed Jan. 21, 2026
We used Zillow Home Loans as recommended by my realtor as they are known for “fast closing”. While we were able to close quickly, it was mostly due to my own diligence and not at all due to the customer service from Zillow. An absolute nightmare, truly. Hidden fees, terrible price transparency, this list could go on. Zillow added a few thousand dollars to my closing costs, 2 days before closing. I had to contact a manager at Zillow to have the issue resolved and it delayed our closing. Once the process was finally over and I thought I could move on from Zillow forever, our mortgage has been sold TWICE before we’ve even made the first payment. What a terrible company! If I could go back in time, I would run as far away from Zillow Home Loans as I possibly could.
We would like to apologize for the frustration you have experienced recently. We are so sorry to hear that your experience with us has not met your expectations. Customer satisfaction is our top priority, and we are truly sorry that has not been demonstrated to you. If you would like to speak with a Customer Experience Analyst please reach out to us at ZHLCustomerExperience@zillowhomeloans.com.
Reviewed Sept. 29, 2025
We had a very disappointing experience with Zillow Home Loans during our mortgage process. We submitted a competing offer from Morgan Stanley at 5.95%, and our loan officer assured us that Zillow would attempt to match it. She requested specific information (loan amount, APR, down payment, and closing cost details), which we provided in full. I even followed up to confirm that nothing else was needed. Her response was vague and never clarified what — if anything — was missing.
Unfortunately, our loan officer then went on PTO during the final days before our rate lock expired, without notifying us or assigning anyone else to handle our file. We followed up repeatedly, but received no guidance. By the time we were informed Zillow could not match the rate, we were just days from closing and had no option but to move forward at a higher 6.125% rate. This difference will cost us over $35,000 in additional interest over the life of the loan.
We filed a formal complaint with Zillow Home Loans, but their internal review team simply deflected responsibility and cited technicalities rather than owning the breakdown in service. They admitted delays and miscommunication but refused to offer any form of compensation or a lender-paid refinance. Zillow advertises a rate match program, but based on our experience, it is not backed by any consistent process or accountability. I urge anyone considering them to be extremely cautious and to get everything in writing up front. We regret choosing Zillow Home Loans and would not recommend them to others.
We sincerely apologize for the frustration you have encountered. We understand the importance of your feedback and are actively investigating the issue. Ensuring customer satisfaction is our utmost priority, and we deeply regret this was not your experience. If you would like to speak with a Customer Experience Analyst, please don't hesitate to contact us at ZHLCustomerExperience@zillowhomeloans.com.
Reviewed June 7, 2025
I am doing this review to warn against using Zillow to get a mortgage loan. I picked Zillow to refinance my condo because I thought I could trust them as they are a known real estate agency online. I was put in contact with William. Later, Emily was added as the processor. William offered me a 5.75% adjustable mortgage that was fixed for the first 7 years, to which I agreed, uploaded documents, and was told if my debt-to- income ratio did not meet their requirements, it wouldn’t matter because they would take my assets into consideration. This was on April 5, 2025 with William at my place looking at my finances, debts, and the place I was refinancing. He also helped me to upload all the documents he needed through their secure link. He said he’d be finalizing the process by the end of the month. I felt good and hopeful.
2 days later, he changed the terms of the loan to 6.2% fixed. His reason was if the rates were to rise, I would not be able to afford my monthly payments. A ridiculous assumption because 1) I am a senior citizen and have no idea if I’ll be alive in 7 years. 2) I might have to sell the place to move to a senior facility at a later date. 3) The interest rates could have dropped by then. 3) My current loan has a 10.25% interest rate and I have had no problem making payments. 4) jMy credit score is in the 800+ range and have an impeccable credit history with no late payments, bankruptcies or any debts other than a leased car at $340 a month. 5) I was putting down another $150,000, which created $800,000 in equity. In other words, the adjustable was just a gimmick to get me to apply for the loan.
Then, he told me the documents had not uploaded and asked me to do it again, and I did. Then, I was introduced to Emily, and she requested the same documents again. Feeling frustrated, I took a security risk and forwarded them via email. The loan did not close at the end of April. On 5/8/2025, I received an email from both William and Emily congratulating me: “Congratulations! Your loan is conditionally approved!” See attached screenshot of the email. William lowered the amount of my loan repeatedly until he sent me what seemed to be a final notice of approval saying his new lowered amount was going to qualify me and he would close the deal by the end of that week, May 23, 2025/ nearly two months later, if I agreed, which I did. See the attached emails. I was now in the celebrating mode. Notified family and friends, moved money to the account to send the wire, and waited for the final Docusign.
2 days later, I received a call from Emily asking me for more copies of the documents I had already sent and told me I still did not meet the debt-to-income ratio. William had cc’d her his previous email finalizing the loan, so I told her according to William we were done. She said she had no idea what William had said and chuckled as she told me I was not qualified.
I sent an email to William, and he denied everything he had told me by saying he was not the underwriter. I said but he represented the underwriter when he gave me the final approval, and I asked they let me know their final say by the end of the week, May 23, 2025. My request was ignored. On the 23rd I sent a reminder, and that was ignored. They finally responded in the following week after I threatened to report them to the Better Business Bureau and got William’s manager involved.
They declined my application after 2 months of making me believe I was qualified. And to date, the manager ignores the gist of my complaint, which is, they should have known and told me I did not qualify after they saw my debt-to-income ratio within the first couple of weeks. They give me gibberish about having to adhere to the Fannie Mae’s rules and regulations, which I am not disputing.
Hello:
Our Borrower was provided a robust response in email form, and in a phone call with the Sales Operations Manager. Our Borrower continues to advise that she was not provided with an explanation, however, there is record of the issues being addressed with her and why the loan could not move forward despite our best efforts. Our response remains unchanged and we consider the matter resolved.
Reviewed Aug. 25, 2024
Absolutely the worst experience I've ever had getting a home loan. I was purchasing a home which was less than my annual income. Zillow pre approved well over the amount I required. 2 days before we were to close, they backed out because I did not have W-2 income even though I had revenue annually well over the purchase price of the house which was non W2. I will never use them again. They literally cost me thousands of dollars.
Reviewed May 11, 2024
Horrible experience. We met all requirements: scores > 760, 20% down, high income (>500k/ )and conventional loan based on CA rules. Approved for funding 2 weeks before offer, repeated correspondence stating No issues. Ten days before closing on a Friday pm, they “unexpectedly” did not like the HOA rules and pulled our funding. We assumed basic skills from the loan officer when dealing with a townhouse!!! Fraudulent? Incompetence? Corrupt? AVOID THIS LENDER IF IN CALIFORNIA.
Thank you, Sylvie, for taking the time to leave feedback. We have reviewed your concerns and reached out directly to address them. If you have any further feedback you would like to share, please reach out to us at ZHLCustomerExperience@zillowhomeloans.com. Thank you.
Reviewed Jan. 14, 2024
Don’t give Zillow your private information or money. All I got was the run around from these building owners. They can’t even be straightforward with you until you get to the property and they lie to you that the apartment/property has already been rented.
We apologize for your experience with Zillow Rentals and we value your feedback. Please understand that we do not handle the management of listings on behalf of the landlord. The responsibility for managing listings, availability, and the rental process rests with the individual landlords, homeowners, and property managers. We appreciate your understanding.
Reviewed Aug. 23, 2023
No humans are employed at Zillow! They only send you links to fill out and base their results off general information! I couldn't even get a viewing scheduled!!! Zillow SUCKS!!! Has to be a SCAM. Steer clear of them....at all costs!!
We would like to apologize for the frustration you have experienced while trying to schedule a home tour. Customer satisfaction is our top priority and your feedback is taken seriously. We are available to discuss your concerns and would be happy to assist you in any way we can. If you would like to speak with a Customer Experience Analyst please reach out to us at ZHLCustomerExperience@zillowhomeloans.com.
Zillow Home Loans Company Information
- Company Name:
- Zillow Home Loans
- Company Type:
- Public
- Formerly Named:
- Mortgage Lenders of America, L.L.C.
- Address:
- 2600 Michelson Drive, Ste. 1201
- City:
- Irvine
- State/Province:
- CA
- Postal Code:
- 92612
- Country:
- United States
- Website:
- www.zillow.com