4,910 lenders filed HMDA data for 2025 with enough volume to show. Each page carries the lender's approval rate, denial rate, real interest rates, loan mix and grade.
| Lender | Grade | HQ | Applications 2025 | Origination rate | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| Zeal Credit Union | C | Livonia, MI | 302 | 75.5% | 17.6% | — |
| Zia Credit Union | – | Los Alamos, NM | 32 | 15.6% | 50.0% | 4.65% |
| Zillow Home LoansZillow Home Loans, LLC | B | Irvine, CA | 20,147 | 71.3% | 5.8% | 6.50% |
| Zing Credit Union | C | Denver, CO | 262 | 55.0% | 27.1% | 7.50% |
| Zions BancorporationZions Bancorporation, N.A. | B | Salt Lake City, UT | 17,221 | 52.2% | 30.3% | 6.63% |
| Zippy LoansZippy Loans, LLC | D | Dallas, TX | 10,976 | 23.2% | 36.5% | 8.00% |
