Zillow Mortgage Rates & Lender Directory Scraper

Pull Zillow's mortgage rates for nine loan products, nationally or by state, for purchase or refinance. Compare today with yesterday, last week, and three months ago; add up to 4,000 days of rate history, payment estimates, Zillow Home Loans points and fees, and an optional Zillow lender directory with names, logos, ratings, and reviews.

No login, API key, or proxy setup is needed.

What this actor does

• Nine products: 30-, 20-, 15-, and 10-year fixed, 5/1 and 7/1 ARM, FHA 30-year, VA 30-year, and jumbo 30-year
• National and state rates: choose one state, many states, or national; purchase, refinance, or both
• Rate context: current rate and APR, yesterday / last week / three months ago, and Zillow's payment estimate
• History: daily, weekly, or monthly series with a requested window from 30 to 4,000 days
• Zillow Home Loans samples: rate, APR, points, fees, monthly payment, and price date for matching products
• Lender directory: names, logos, ratings, review counts, NMLS IDs, profile URLs, and optional full profiles
• Omit-empty: a value Zillow does not publish is left out of the record rather than filled with a placeholder

Output per rate record

Rate records use recordType: "aggregate".

• recordType — always aggregate
• loanType — 30yr-fixed, 20yr-fixed, 15yr-fixed, 10yr-fixed, 5/1-arm, 7/1-arm, fha, va, or jumbo
• productType — CONFORMING, FHA, VA, or NON_CONFORMING
• scope — national or state
• state — two-letter state code for state rows
• program — Zillow program name, e.g. Fixed30Year, ARM5
• termYears — term or initial fixed period in years
• rateType — fixed or arm
• loanPurpose — purchase or refinance
• currentRate, currentApr — current rate and APR in percent from Zillow's mortgage-rate API (an index; Zillow Home Loans' advertised rates are in rateSamples and can differ)
• rateDate — source date for the current rate
• rateComparison — yesterday, lastWeek, and threeMonthsAgo, each with rate, apr, and a date (threeMonthsAgo is dated today − 90 days)
• paymentEstimate — monthlyPayment, loanAmount, downPayment, and loanToValue used by Zillow
• assumptions — creditScoreBucket, loanToValueBucket, and loanAmountBucket used for the query
• rateTrend — array of {date, rate, apr} when history is enabled
• rateSamples — Zillow Home Loans products matching the record's term and loan type, each with productName, termYears, loanType, productType, rate, apr, pointsPaid, pointsPaidDollar, monthlyPayment, datePriced, and FHA/VA mortgage-insurance fields where published
• source — zillow_mortgage_api
• scrapedAt — when the run started

Output per lender

Lender records use recordType: "lenderProfile".

• recordType — always lenderProfile
• lenderName — company or individual name
• companyName, individualName — when Zillow publishes them
• nmlsId, nmlsType — NMLS identifier and registration type
• rating, totalReviews, confirmedReviews, recentReviews — Zillow rating and review counts
• screenName — Zillow profile slug
• profileUrl — absolute Zillow lender profile URL
• logoUrl — absolute Zillow lender logo URL
• address — street, city, state, zipCode
• website, officePhone, cellPhone — published contact details
• title, languagesSpoken, stateLicenses, aboutMe — profile enrichment
• scrapedAt — when the run started

Input

Field	Type	Default	Description
loanPrograms	array	all nine	Products to request: 30yr-fixed, 20yr-fixed, 15yr-fixed, 10yr-fixed, 5/1-arm, 7/1-arm, fha-30yr, va-30yr, jumbo-30yr
loanPurpose	string	purchase	purchase, refinance, or both
states	array	["national"]	national plus any states. State coverage is widest for 30- and 15-year products
creditScore	string	veryHigh	veryHigh (740+), high (680–739), or low (below 680)
loanAmount	string	conforming	conforming, jumbo, smallConforming, superConforming, or micro. Jumbo 30-year always uses the jumbo bucket
includeRateHistory	boolean	false	Add rateTrend to each rate record
historyDays	string	90	30, 90, 365, 1095, or 4000
historyAggregation	string	daily	daily, weekly, or monthly
includeHomeLoanRates	boolean	true	Attach Zillow Home Loans samples with points and fees
includeLenderDirectory	boolean	false	Return lender directory records
lenderLocations	array	[]	Cities, states, or ZIP codes, e.g. Austin, TX or 90210
maxLenders	integer	10	Maximum lender records (1–200)
includeLenderProfiles	boolean	false	Fetch full profiles for up to 50 lenders

Example: today's national 30-year fixed rate

{
  "loanPrograms": ["30yr-fixed"],
  "loanPurpose": "purchase",
  "states": ["national"],
  "includeRateHistory": false,
  "includeHomeLoanRates": true
}

Example: purchase and refinance rates in three states

{
  "loanPrograms": ["30yr-fixed", "15yr-fixed", "fha-30yr", "va-30yr"],
  "loanPurpose": "both",
  "states": ["CA", "TX", "NY"],
  "creditScore": "high",
  "loanAmount": "conforming",
  "includeRateHistory": true,
  "historyDays": "365",
  "historyAggregation": "weekly"
}

Example: all products with a 4,000-day history

{
  "loanPrograms": ["30yr-fixed", "20yr-fixed", "15yr-fixed", "10yr-fixed", "5/1-arm", "7/1-arm", "fha-30yr", "va-30yr", "jumbo-30yr"],
  "loanPurpose": "purchase",
  "states": ["national"],
  "includeRateHistory": true,
  "historyDays": "4000",
  "historyAggregation": "monthly"
}

Example: lender directory with full profiles

{
  "loanPrograms": ["30yr-fixed"],
  "states": ["national"],
  "includeLenderDirectory": true,
  "lenderLocations": ["Austin, TX", "CA", "90210"],
  "maxLenders": 25,
  "includeLenderProfiles": true
}

Use cases

• Rate monitoring: schedule a daily national or state snapshot and track movement over weeks
• Mortgage comparison sites: show rate, APR, payment estimate, and points in one feed
• Market research: study state-level purchase and refinance spreads across products
• Lender research: build a directory of licensed lenders with ratings, NMLS IDs, and profiles
• Financial content: pair current rates with long-run history for charts and explainers

FAQ

Does this actor return per-lender quote rates?

No. Zillow's per-lender quote endpoint can return quotes from a residential client, but its submission endpoint is bot-protected and rejects requests from the Apify platform (direct HTTP, TLS-impersonated HTTP, datacenter proxy, residential proxy, and a real browser all returned the same block). This actor returns Zillow Home Loans' own product rates with points and fees, plus the lender directory. It does not invent or proxy third-party quote rates.

What do the rate assumptions mean?

creditScore, loanAmount, and the fixed loan-to-value bucket for each product determine the query. FHA and VA use a 95%+ loan-to-value assumption. Jumbo uses a jumbo loan amount. Zillow's public refinance table uses different credit and LTV buckets, so its displayed rates can differ from this actor's defaults; the assumptions field on every record shows exactly what was used.

Why are some states or products missing?

Zillow's own coverage varies. The 30-year and 15-year fixed products have the widest state coverage; other products are more complete nationally. A combination Zillow does not publish is omitted, not filled with a placeholder.

How far back does history go?

You can request up to 4,000 days. Zillow's history starts in November 2015. A 4,000-day daily request returns 4,001 points from 2015-11-08; monthly returns 132 points from 2015-11-01. Early points can have a rate without an APR; those APR values are omitted. A 90-day window is daily; longer windows are weekly or monthly depending on the interval you choose.

What are the Zillow Home Loans samples?

They are Zillow Home Loans' published product rates, not third-party lender quotes. Each sample includes rate, APR, points, the dollar cost of points, monthly payment, and the price date.

Are points the same as fees?

No. Points are an upfront cost shown by Zillow Home Loans. They are not a complete closing-cost or lender-fee table.

Do I need a proxy or a Zillow login?

No. The actor runs without cookies, logins, or proxy setup and returns public data.

How fresh is the data?

Each run reads the values Zillow is publishing at that moment. rateDate and datePriced show the source date for the rate and the sample.

Is this affiliated with Zillow?

No. This is an independent third-party actor that reads Zillow's publicly published mortgage data.

Limitations

• No third-party lender quote rates: Zillow's quote submission is blocked from the Apify platform on direct HTTP, TLS-impersonated HTTP, datacenter proxy, five residential sessions, and a real Chromium session. Lender directory records and Zillow Home Loans samples are the available substitutes. The underlying quote API works only from a residential client outside the platform.
• Early history points can have a rate without an APR; the actor keeps the rate and omits the missing APR.
• No city-level rates: Zillow's city pages resolve to state-level rate data.
• State coverage for 20-year, 10-year, ARM, FHA, VA, and jumbo products is partial; national data is more complete. FHA/VA/jumbo coverage also varies with the credit-score bucket (more states publish data at 680–739 than at 740+).
• Zillow Home Loans samples are national; state records reuse them. State pages vary points (for example, 30-year conforming points were 1.558 in Texas vs 1.908 in California on 2026-10-21). New York has no state ZHL sheet and redirects to the legacy app; its records use the national samples.
• Points are not a complete closing-fee breakdown.