Lender in North Carolina · HMDA 2025
Zillow Home Loans, LLC mortgages in North Carolina
Zillow Home Loans, LLC's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Zillow Home Loans, LLC originated 1,043 owner-occupied single-family loans in North Carolina from 1,093 completed applications.
Its median conventional purchase loan costs were $5,080 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.50% (North Carolina: 6.50%).
Loans in NC
1,043
of 1,093 applications
Denial rate
3.7%
Purchase · NC 7.6%
Rate spread
+0.17 pts
Conv. · NC +0.04 pts
Loan amount
$315,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,087 | 1,038 | 3.7% | 6.500% | +0.17 pts | $5,080 | $315,000 |
| Refinance | 4 | 3 | — | — | — | — | — |
| Cash-out refinance | 2 | 2 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Zillow Home Loans, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 14 | 27 | 1.7% |
| Vance County | 17 | 4 | 1.3% |
| Mecklenburg County | 18 | 196 | 1.1% |
| Durham County | 18 | 64 | 1.4% |
| Orange County | 20 | 16 | 1.1% |
| Granville County | 20 | 9 | 1.1% |
| Johnston County | 21 | 67 | 1.3% |
| Mitchell County | 21 | 1 | 0.7% |
| Gaston County | 22 | 51 | 1.1% |
| Rowan County | 22 | 22 | 0.9% |
| Cleveland County | 23 | 11 | 0.9% |
| Person County | 23 | 4 | 0.9% |
| Cabarrus County | 24 | 45 | 1.0% |
| Iredell County | 24 | 35 | 0.9% |
- Zillow Home Loans, LLC nationwide
- North Carolina mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology