Lender in Michigan · HMDA 2025

Zillow Home Loans, LLC mortgages in Michigan

Zillow Home Loans, LLC's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.

Zillow Home Loans, LLC originated 563 owner-occupied single-family loans in Michigan from 615 completed applications.

Its median conventional purchase loan costs were $3,970 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).

Loans in MI

563

of 615 applications

Denial rate

6.9%

Purchase · MI 7.8%

Rate spread

+0.45 pts

Conv. · MI +0.23 pts

Loan amount

$215,000

Purchase · MI $245,000

By loan purpose

Purpose	Applications	Loans	Denial rate	30-yr rate*	Rate spread*	Loan costs*	Median loan
Home purchase	613	561	6.9%	6.625%	+0.45 pts	$3,970	$215,000
Refinance	0	0	—	—	—	—	—
Cash-out refinance	2	2	—	—	—	—	—

*Conventional loans only; medians with at least 20 loans.

Michigan counties where Zillow Home Loans, LLC ranks in the top 25

County	Rank	Loans	Market share
Gogebic County	15	2	1.2%
Iron County	15	1	0.7%
Alpena County	16	2	0.9%
Kalkaska County	19	2	0.9%
Oscoda County	20	1	1.1%
Hillsdale County	21	4	0.8%
Roscommon County	23	3	0.8%
Montmorency County	23	1	0.7%
Mason County	24	2	0.7%

Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology