Zillow Mortgage Rates Scraper

Scrape Zillow's daily mortgage rate data by loan type. Returns current national average rate, APR, 30-day trend, and rate samples with points and fees. Optional lender-level quotes per state.

What You Get

Aggregate Rate Data (no proxy required)

• Current rate & APR — live national average from Zillow's API (CONFORMING/Conventional types)
• 30-day daily trend — daily rate history for the past ~30 days
• Rate samples — multiple rate snapshots per loan type with points (%), points ($), and monthly payment
• One record per selected loan type

Lender Quotes (opt-in, requires proxy)

• Individual lender names with rate, APR, points, and monthly payment
• Per state and loan type
• Enable with fetchLenderQuotes: true

Input

Field	Type	Default	Description
loanTypes	array	all 7	Loan types to scrape: 30yr-fixed, 15yr-fixed, 5/1-arm, 7/1-arm, fha, va, jumbo
states	array	["national"]	States for lender quotes. national always included for aggregate data
fetchLenderQuotes	boolean	false	Enable per-lender quotes via Playwright
maxLendersPerState	integer	10	Max lender quotes per state × loan type (1–50)

Output

Two record types in one dataset (use recordType field to distinguish):

aggregate — National rate data

{
  "recordType": "aggregate",
  "loanType": "30yr-fixed",
  "productType": "CONFORMING",
  "scope": "national",
  "currentRate": 6.087,
  "currentApr": 6.101,
  "rateSamples": [
    {"rate": 5.25, "apr": 5.66, "pointsPaid": 1.86, "pointsPaidDollar": 5123, "monthlyPayment": 2951, "datePriced": "2026-04-25T02:01:01Z"}
  ],
  "rateTrend": [
    {"date": "2026-03-28", "rate": 6.446, "apr": 6.455}
  ],
  "scrapedAt": "2026-04-27T10:00:00Z"
}

Note on rate sources:

• currentRate / currentApr / rateDate / rateTrend come from Zillow's getCurrentRates and getRates APIs and are per-loan-type (e.g. 30yr-fixed=6.216%, 15yr-fixed=5.599%, VA=5.623%). API supports Fixed30Year, Fixed15Year, Fixed10Year, Fixed20Year × Conventional/FHA/VA/Jumbo. ARMs are not in the API enum so 5/1-arm and 7/1-arm records omit currentRate/rateTrend.
• rateSamples come from Zillow's mortgage-rate article pages and represent example marketplace rates (with points, monthly payment, APR). They are not strictly term-segregated — Zillow's article HTML embeds general marketplace examples rather than per-loan-program quotes — so use currentRate/rateTrend for term-specific rate signals and rateSamples for sample marketplace context.

lenderQuote — Per-lender rate (fetchLenderQuotes: true only)

{
  "recordType": "lenderQuote",
  "loanType": "30yr-fixed",
  "state": "CA",
  "lenderName": "Better Mortgage",
  "rate": 6.125,
  "apr": 6.341,
  "pointsPaid": 1.86,
  "pointsPaidDollar": 5115,
  "monthlyPayment": 3159,
  "scrapedAt": "2026-04-27T10:00:00Z"
}

Use Cases

• Rate tracking — schedule daily runs to monitor rate trends over time
• Finance apps — display current rates and rate comparisons to users
• Market research — compare rates across loan types and states
• Lender comparison — use fetchLenderQuotes to compare individual lender offers

Examples

National average for the popular loan types:

{
  "loanTypes": ["30yr-fixed", "15yr-fixed", "fha", "va"],
  "states": ["national"]
}

Compare rates across all 50 states for a single loan type:

{
  "loanTypes": ["30yr-fixed"],
  "states": ["AL","AK","AZ","AR","CA","CO","CT","DE","FL","GA","HI","ID","IL","IN","IA","KS","KY","LA","ME","MD","MA","MI","MN","MS","MO","MT","NE","NV","NH","NJ","NM","NY","NC","ND","OH","OK","OR","PA","RI","SC","SD","TN","TX","UT","VT","VA","WA","WV","WI","WY","DC"]
}

Pull individual lender quotes per state (uses Playwright):

{
  "loanTypes": ["30yr-fixed"],
  "states": ["CA", "TX", "NY"],
  "fetchLenderQuotes": true,
  "maxLendersPerState": 10
}

FAQs

Why do FHA/VA/Jumbo records not have currentRate and rateTrend? Zillow's public mortgage API only returns national aggregate data for CONFORMING (conventional) loans. FHA, VA, and Jumbo rate data comes from rate samples embedded in Zillow's article pages.

What does rateSamples contain? Multiple rate snapshots scraped from Zillow's mortgage rate articles. Each sample represents a different rate offering with associated APR, points, and monthly payment estimate.

When should I use fetchLenderQuotes? When you need individual lender names and state-specific rates. This mode uses Playwright with a residential proxy, adds cost and run time, and requires proxy credits.

How often does Zillow update its rates? Rate samples in articles are updated daily. The API (currentRate, rateTrend) updates throughout the day.