{ "data": { "id": "9cX9po19xSFNYJ0pb", "actId": "QsAgLESqqB6QJMbMv", "userId": "NL4ThgItAwaoBlffQ", "startedAt": "2026-10-21T11:30:51.220Z", "finishedAt": "2026-10-21T11:31:02.319Z", "status": "SUCCEEDED", "meta": { "origin": "CLI" }, "stats": { "durationMillis": 11008, "runTimeSecs": 11.008, "computeUnits": 0.012231111111111111, "imageSizeBytes": 317911552 }, "options": { "useCache": true, "betaPackages": false, "memoryMbytes": 4096, "diskMbytes": 8192 }, "createdByOrganizationMemberUserId": "zifX0mkAFMHe8CatY", "exitCode": 0, "inputSchema": "{\n \"title\": \"Zillow Mortgage Rates & Lender Directory Scraper Input\",\n \"description\": \"Choose Zillow rate products, purposes, states, rate assumptions, history, and the optional lender directory.\",\n \"type\": \"object\",\n \"schemaVersion\": 1,\n \"properties\": {\n \"loanPrograms\": {\n \"title\": \"Loan programs\",\n \"type\": \"array\",\n \"description\": \"Which Zillow rate products to request. Leave empty to include all nine.\",\n \"editor\": \"select\",\n \"items\": {\n \"type\": \"string\",\n \"enum\": [\n \"30yr-fixed\",\n \"20yr-fixed\",\n \"15yr-fixed\",\n \"10yr-fixed\",\n \"5/1-arm\",\n \"7/1-arm\",\n \"fha-30yr\",\n \"va-30yr\",\n \"jumbo-30yr\"\n ],\n \"enumTitles\": [\n \"30-year fixed\",\n \"20-year fixed\",\n \"15-year fixed\",\n \"10-year fixed\",\n \"5/1 ARM\",\n \"7/1 ARM\",\n \"FHA 30-year\",\n \"VA 30-year\",\n \"Jumbo 30-year\"\n ]\n },\n \"prefill\": [\n \"30yr-fixed\"\n ]\n },\n \"loanPurpose\": {\n \"title\": \"Loan purpose\",\n \"type\": \"string\",\n \"description\": \"Return purchase rates, refinance rates, or both.\",\n \"editor\": \"select\",\n \"enum\": [\n \"purchase\",\n \"refinance\",\n \"both\"\n ],\n \"enumTitles\": [\n \"Purchase\",\n \"Refinance\",\n \"Both\"\n ],\n \"default\": \"purchase\",\n \"prefill\": \"purchase\"\n },\n \"states\": {\n \"title\": \"States\",\n \"type\": \"array\",\n \"description\": \"National plus any states. State-level coverage is widest for 30-year and 15-year products.\",\n \"editor\": \"select\",\n \"items\": {\n \"type\": \"string\",\n \"enum\": [\n \"national\",\n \"AL\",\n \"AK\",\n \"AZ\",\n \"AR\",\n \"CA\",\n \"CO\",\n \"CT\",\n \"DE\",\n \"DC\",\n \"FL\",\n \"GA\",\n \"HI\",\n \"ID\",\n \"IL\",\n \"IN\",\n \"IA\",\n \"KS\",\n \"KY\",\n \"LA\",\n \"ME\",\n \"MD\",\n \"MA\",\n \"MI\",\n \"MN\",\n \"MS\",\n \"MO\",\n \"MT\",\n \"NE\",\n \"NV\",\n \"NH\",\n \"NJ\",\n \"NM\",\n \"NY\",\n \"NC\",\n \"ND\",\n \"OH\",\n \"OK\",\n \"OR\",\n \"PA\",\n \"RI\",\n \"SC\",\n \"SD\",\n \"TN\",\n \"TX\",\n \"UT\",\n \"VT\",\n \"VA\",\n \"WA\",\n \"WV\",\n \"WI\",\n \"WY\"\n ],\n \"enumTitles\": [\n \"National (all states)\",\n \"Alabama\",\n \"Alaska\",\n \"Arizona\",\n \"Arkansas\",\n \"California\",\n \"Colorado\",\n \"Connecticut\",\n \"Delaware\",\n \"Washington D.C.\",\n \"Florida\",\n \"Georgia\",\n \"Hawaii\",\n \"Idaho\",\n \"Illinois\",\n \"Indiana\",\n \"Iowa\",\n \"Kansas\",\n \"Kentucky\",\n \"Louisiana\",\n \"Maine\",\n \"Maryland\",\n \"Massachusetts\",\n \"Michigan\",\n \"Minnesota\",\n \"Mississippi\",\n \"Missouri\",\n \"Montana\",\n \"Nebraska\",\n \"Nevada\",\n \"New Hampshire\",\n \"New Jersey\",\n \"New Mexico\",\n \"New York\",\n \"North Carolina\",\n \"North Dakota\",\n \"Ohio\",\n \"Oklahoma\",\n \"Oregon\",\n \"Pennsylvania\",\n \"Rhode Island\",\n \"South Carolina\",\n \"South Dakota\",\n \"Tennessee\",\n \"Texas\",\n \"Utah\",\n \"Vermont\",\n \"Virginia\",\n \"Washington\",\n \"West Virginia\",\n \"Wisconsin\",\n \"Wyoming\"\n ]\n },\n \"default\": [\n \"national\"\n ],\n \"prefill\": [\n \"national\"\n ]\n },\n \"creditScore\": {\n \"title\": \"Credit score\",\n \"type\": \"string\",\n \"description\": \"Credit-score assumption used for the rate query.\",\n \"editor\": \"select\",\n \"enum\": [\n \"veryHigh\",\n \"high\",\n \"low\"\n ],\n \"enumTitles\": [\n \"740 or higher\",\n \"680–739\",\n \"Below 680\"\n ],\n \"default\": \"veryHigh\",\n \"prefill\": \"veryHigh\"\n },\n \"loanAmount\": {\n \"title\": \"Loan amount\",\n \"type\": \"string\",\n \"description\": \"Loan-size assumption. Jumbo 30-year always uses the jumbo bucket.\",\n \"editor\": \"select\",\n \"enum\": [\n \"conforming\",\n \"jumbo\",\n \"smallConforming\",\n \"superConforming\",\n \"micro\"\n ],\n \"enumTitles\": [\n \"Conforming\",\n \"Jumbo\",\n \"$100k–$200k\",\n \"Super conforming\",\n \"Under $100k\"\n ],\n \"default\": \"conforming\",\n \"prefill\": \"conforming\"\n },\n \"includeRateHistory\": {\n \"title\": \"Include rate history\",\n \"type\": \"boolean\",\n \"description\": \"Add a daily, weekly, or monthly rate history to each rate record.\",\n \"default\": false,\n \"prefill\": false\n },\n \"historyDays\": {\n \"title\": \"History window\",\n \"type\": \"string\",\n \"description\": \"How far back to fetch history. Zillow's maximum is 4000 days.\",\n \"editor\": \"select\",\n \"enum\": [\n \"30\",\n \"90\",\n \"365\",\n \"1095\",\n \"4000\"\n ],\n \"enumTitles\": [\n \"30 days\",\n \"90 days\",\n \"1 year\",\n \"3 years\",\n \"Maximum (about 11 years)\"\n ],\n \"default\": \"90\",\n \"prefill\": \"90\"\n },\n \"historyAggregation\": {\n \"title\": \"History interval\",\n \"type\": \"string\",\n \"description\": \"Sampling interval for the rate history.\",\n \"editor\": \"select\",\n \"enum\": [\n \"daily\",\n \"weekly\",\n \"monthly\"\n ],\n \"enumTitles\": [\n \"Daily\",\n \"Weekly\",\n \"Monthly\"\n ],\n \"default\": \"daily\",\n \"prefill\": \"daily\"\n },\n \"includeHomeLoanRates\": {\n \"title\": \"Include Zillow Home Loans samples\",\n \"type\": \"boolean\",\n \"description\": \"Attach Zillow Home Loans sample rates with points, fees, and monthly payment.\",\n \"default\": true,\n \"prefill\": true\n },\n \"includeLenderDirectory\": {\n \"title\": \"Include lender directory\",\n \"type\": \"boolean\",\n \"description\": \"Also return Zillow mortgage lender directory records with names, logos, ratings, and reviews.\",\n \"default\": false,\n \"prefill\": false\n },\n \"lenderLocations\": {\n \"title\": \"Lender locations\",\n \"type\": \"array\",\n \"description\": \"Cities, states, or ZIP codes for the lender directory, e.g. Austin, TX or 90210. Used only when the directory is enabled.\",\n \"editor\": \"stringList\",\n \"items\": {\n \"type\": \"string\"\n },\n \"default\": [],\n \"prefill\": []\n },\n \"maxLenders\": {\n \"title\": \"Maximum lenders\",\n \"type\": \"integer\",\n \"description\": \"Maximum lender records to return when the directory is enabled (1–200).\",\n \"minimum\": 1,\n \"maximum\": 200,\n \"default\": 10,\n \"prefill\": 5\n },\n \"includeLenderProfiles\": {\n \"title\": \"Include lender profiles\",\n \"type\": \"boolean\",\n \"description\": \"Fetch full profiles for up to 50 lenders: address, phone, website, licenses, and biography.\",\n \"default\": false,\n \"prefill\": false\n }\n },\n \"required\": []\n}", "readme": "# Zillow Mortgage Rates & Lender Directory Scraper\n\nPull 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.\n\nNo login, API key, or proxy setup is needed.\n\n## What this actor does\n\n- **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\n- **National and state rates:** choose one state, many states, or national; purchase, refinance, or both\n- **Rate context:** current rate and APR, yesterday / last week / three months ago, and Zillow's payment estimate\n- **History:** daily, weekly, or monthly series with a requested window from 30 to 4,000 days\n- **Zillow Home Loans samples:** rate, APR, points, fees, monthly payment, and price date for matching products\n- **Lender directory:** names, logos, ratings, review counts, NMLS IDs, profile URLs, and optional full profiles\n- **Omit-empty:** a value Zillow does not publish is left out of the record rather than filled with a placeholder\n\n## Output per rate record\n\nRate records use `recordType: \"aggregate\"`.\n\n- `recordType` — always `aggregate`\n- `loanType` — `30yr-fixed`, `20yr-fixed`, `15yr-fixed`, `10yr-fixed`, `5/1-arm`, `7/1-arm`, `fha`, `va`, or `jumbo`\n- `productType` — `CONFORMING`, `FHA`, `VA`, or `NON_CONFORMING`\n- `scope` — `national` or `state`\n- `state` — two-letter state code for state rows\n- `program` — Zillow program name, e.g. `Fixed30Year`, `ARM5`\n- `termYears` — term or initial fixed period in years\n- `rateType` — `fixed` or `arm`\n- `loanPurpose` — `purchase` or `refinance`\n- `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)\n- `rateDate` — source date for the current rate\n- `rateComparison` — `yesterday`, `lastWeek`, and `threeMonthsAgo`, each with `rate`, `apr`, and a date (`threeMonthsAgo` is dated today − 90 days)\n- `paymentEstimate` — `monthlyPayment`, `loanAmount`, `downPayment`, and `loanToValue` used by Zillow\n- `assumptions` — `creditScoreBucket`, `loanToValueBucket`, and `loanAmountBucket` used for the query\n- `rateTrend` — array of `{date, rate, apr}` when history is enabled\n- `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\n- `source` — `zillow_mortgage_api`\n- `scrapedAt` — when the run started\n\n## Output per lender\n\nLender records use `recordType: \"lenderProfile\"`.\n\n- `recordType` — always `lenderProfile`\n- `lenderName` — company or individual name\n- `companyName`, `individualName` — when Zillow publishes them\n- `nmlsId`, `nmlsType` — NMLS identifier and registration type\n- `rating`, `totalReviews`, `confirmedReviews`, `recentReviews` — Zillow rating and review counts\n- `screenName` — Zillow profile slug\n- `profileUrl` — absolute Zillow lender profile URL\n- `logoUrl` — absolute Zillow lender logo URL\n- `address` — `street`, `city`, `state`, `zipCode`\n- `website`, `officePhone`, `cellPhone` — published contact details\n- `title`, `languagesSpoken`, `stateLicenses`, `aboutMe` — profile enrichment\n- `scrapedAt` — when the run started\n\n## Input\n\n| Field | Type | Default | Description |\n|---|---|---|---|\n| `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` |\n| `loanPurpose` | string | `purchase` | `purchase`, `refinance`, or `both` |\n| `states` | array | `[\"national\"]` | `national` plus any states. State coverage is widest for 30- and 15-year products |\n| `creditScore` | string | `veryHigh` | `veryHigh` (740+), `high` (680–739), or `low` (below 680) |\n| `loanAmount` | string | `conforming` | `conforming`, `jumbo`, `smallConforming`, `superConforming`, or `micro`. Jumbo 30-year always uses the jumbo bucket |\n| `includeRateHistory` | boolean | `false` | Add `rateTrend` to each rate record |\n| `historyDays` | string | `90` | `30`, `90`, `365`, `1095`, or `4000` |\n| `historyAggregation` | string | `daily` | `daily`, `weekly`, or `monthly` |\n| `includeHomeLoanRates` | boolean | `true` | Attach Zillow Home Loans samples with points and fees |\n| `includeLenderDirectory` | boolean | `false` | Return lender directory records |\n| `lenderLocations` | array | `[]` | Cities, states, or ZIP codes, e.g. `Austin, TX` or `90210` |\n| `maxLenders` | integer | `10` | Maximum lender records (1–200) |\n| `includeLenderProfiles` | boolean | `false` | Fetch full profiles for up to 50 lenders |\n\n## Example: today's national 30-year fixed rate\n\n```json\n{\n \"loanPrograms\": [\"30yr-fixed\"],\n \"loanPurpose\": \"purchase\",\n \"states\": [\"national\"],\n \"includeRateHistory\": false,\n \"includeHomeLoanRates\": true\n}\n```\n\n## Example: purchase and refinance rates in three states\n\n```json\n{\n \"loanPrograms\": [\"30yr-fixed\", \"15yr-fixed\", \"fha-30yr\", \"va-30yr\"],\n \"loanPurpose\": \"both\",\n \"states\": [\"CA\", \"TX\", \"NY\"],\n \"creditScore\": \"high\",\n \"loanAmount\": \"conforming\",\n \"includeRateHistory\": true,\n \"historyDays\": \"365\",\n \"historyAggregation\": \"weekly\"\n}\n```\n\n## Example: all products with a 4,000-day history\n\n```json\n{\n \"loanPrograms\": [\"30yr-fixed\", \"20yr-fixed\", \"15yr-fixed\", \"10yr-fixed\", \"5/1-arm\", \"7/1-arm\", \"fha-30yr\", \"va-30yr\", \"jumbo-30yr\"],\n \"loanPurpose\": \"purchase\",\n \"states\": [\"national\"],\n \"includeRateHistory\": true,\n \"historyDays\": \"4000\",\n \"historyAggregation\": \"monthly\"\n}\n```\n\n## Example: lender directory with full profiles\n\n```json\n{\n \"loanPrograms\": [\"30yr-fixed\"],\n \"states\": [\"national\"],\n \"includeLenderDirectory\": true,\n \"lenderLocations\": [\"Austin, TX\", \"CA\", \"90210\"],\n \"maxLenders\": 25,\n \"includeLenderProfiles\": true\n}\n```\n\n## Use cases\n\n- **Rate monitoring:** schedule a daily national or state snapshot and track movement over weeks\n- **Mortgage comparison sites:** show rate, APR, payment estimate, and points in one feed\n- **Market research:** study state-level purchase and refinance spreads across products\n- **Lender research:** build a directory of licensed lenders with ratings, NMLS IDs, and profiles\n- **Financial content:** pair current rates with long-run history for charts and explainers\n\n## FAQ\n\n**Does this actor return per-lender quote rates?**\n\nNo. 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.\n\n**What do the rate assumptions mean?**\n\n`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.\n\n**Why are some states or products missing?**\n\nZillow'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.\n\n**How far back does history go?**\n\nYou 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.\n\n**What are the Zillow Home Loans samples?**\n\nThey 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.\n\n**Are points the same as fees?**\n\nNo. Points are an upfront cost shown by Zillow Home Loans. They are not a complete closing-cost or lender-fee table.\n\n**Do I need a proxy or a Zillow login?**\n\nNo. The actor runs without cookies, logins, or proxy setup and returns public data.\n\n**How fresh is the data?**\n\nEach run reads the values Zillow is publishing at that moment. `rateDate` and `datePriced` show the source date for the rate and the sample.\n\n**Is this affiliated with Zillow?**\n\nNo. This is an independent third-party actor that reads Zillow's publicly published mortgage data.\n\n## Limitations\n\n- 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.\n- Early history points can have a rate without an APR; the actor keeps the rate and omits the missing APR.\n- No city-level rates: Zillow's city pages resolve to state-level rate data.\n- 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+).\n- 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.\n- Points are not a complete closing-fee breakdown.\n", "actorDefinition": { "actorSpecification": 1, "name": "zillow-daily-mortgage-rate-and-lender-quote", "title": "Zillow Mortgage Rates & Lender Directory Scraper", "description": "Zillow mortgage rates for nine products by state, with purchase and refinance comparisons, up to 4000-day history, payment estimates, Zillow Home Loans points, and an optional lender directory.", "version": "1.3", "buildTag": "latest", "defaultMemoryMbytes": 1024, "minMemoryMbytes": 256, "dockerfile": "./Dockerfile", "readme": "# Zillow Mortgage Rates & Lender Directory Scraper\n\nPull 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.\n\nNo login, API key, or proxy setup is needed.\n\n## What this actor does\n\n- **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\n- **National and state rates:** choose one state, many states, or national; purchase, refinance, or both\n- **Rate context:** current rate and APR, yesterday / last week / three months ago, and Zillow's payment estimate\n- **History:** daily, weekly, or monthly series with a requested window from 30 to 4,000 days\n- **Zillow Home Loans samples:** rate, APR, points, fees, monthly payment, and price date for matching products\n- **Lender directory:** names, logos, ratings, review counts, NMLS IDs, profile URLs, and optional full profiles\n- **Omit-empty:** a value Zillow does not publish is left out of the record rather than filled with a placeholder\n\n## Output per rate record\n\nRate records use `recordType: \"aggregate\"`.\n\n- `recordType` — always `aggregate`\n- `loanType` — `30yr-fixed`, `20yr-fixed`, `15yr-fixed`, `10yr-fixed`, `5/1-arm`, `7/1-arm`, `fha`, `va`, or `jumbo`\n- `productType` — `CONFORMING`, `FHA`, `VA`, or `NON_CONFORMING`\n- `scope` — `national` or `state`\n- `state` — two-letter state code for state rows\n- `program` — Zillow program name, e.g. `Fixed30Year`, `ARM5`\n- `termYears` — term or initial fixed period in years\n- `rateType` — `fixed` or `arm`\n- `loanPurpose` — `purchase` or `refinance`\n- `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)\n- `rateDate` — source date for the current rate\n- `rateComparison` — `yesterday`, `lastWeek`, and `threeMonthsAgo`, each with `rate`, `apr`, and a date (`threeMonthsAgo` is dated today − 90 days)\n- `paymentEstimate` — `monthlyPayment`, `loanAmount`, `downPayment`, and `loanToValue` used by Zillow\n- `assumptions` — `creditScoreBucket`, `loanToValueBucket`, and `loanAmountBucket` used for the query\n- `rateTrend` — array of `{date, rate, apr}` when history is enabled\n- `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\n- `source` — `zillow_mortgage_api`\n- `scrapedAt` — when the run started\n\n## Output per lender\n\nLender records use `recordType: \"lenderProfile\"`.\n\n- `recordType` — always `lenderProfile`\n- `lenderName` — company or individual name\n- `companyName`, `individualName` — when Zillow publishes them\n- `nmlsId`, `nmlsType` — NMLS identifier and registration type\n- `rating`, `totalReviews`, `confirmedReviews`, `recentReviews` — Zillow rating and review counts\n- `screenName` — Zillow profile slug\n- `profileUrl` — absolute Zillow lender profile URL\n- `logoUrl` — absolute Zillow lender logo URL\n- `address` — `street`, `city`, `state`, `zipCode`\n- `website`, `officePhone`, `cellPhone` — published contact details\n- `title`, `languagesSpoken`, `stateLicenses`, `aboutMe` — profile enrichment\n- `scrapedAt` — when the run started\n\n## Input\n\n| Field | Type | Default | Description |\n|---|---|---|---|\n| `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` |\n| `loanPurpose` | string | `purchase` | `purchase`, `refinance`, or `both` |\n| `states` | array | `[\"national\"]` | `national` plus any states. State coverage is widest for 30- and 15-year products |\n| `creditScore` | string | `veryHigh` | `veryHigh` (740+), `high` (680–739), or `low` (below 680) |\n| `loanAmount` | string | `conforming` | `conforming`, `jumbo`, `smallConforming`, `superConforming`, or `micro`. Jumbo 30-year always uses the jumbo bucket |\n| `includeRateHistory` | boolean | `false` | Add `rateTrend` to each rate record |\n| `historyDays` | string | `90` | `30`, `90`, `365`, `1095`, or `4000` |\n| `historyAggregation` | string | `daily` | `daily`, `weekly`, or `monthly` |\n| `includeHomeLoanRates` | boolean | `true` | Attach Zillow Home Loans samples with points and fees |\n| `includeLenderDirectory` | boolean | `false` | Return lender directory records |\n| `lenderLocations` | array | `[]` | Cities, states, or ZIP codes, e.g. `Austin, TX` or `90210` |\n| `maxLenders` | integer | `10` | Maximum lender records (1–200) |\n| `includeLenderProfiles` | boolean | `false` | Fetch full profiles for up to 50 lenders |\n\n## Example: today's national 30-year fixed rate\n\n```json\n{\n \"loanPrograms\": [\"30yr-fixed\"],\n \"loanPurpose\": \"purchase\",\n \"states\": [\"national\"],\n \"includeRateHistory\": false,\n \"includeHomeLoanRates\": true\n}\n```\n\n## Example: purchase and refinance rates in three states\n\n```json\n{\n \"loanPrograms\": [\"30yr-fixed\", \"15yr-fixed\", \"fha-30yr\", \"va-30yr\"],\n \"loanPurpose\": \"both\",\n \"states\": [\"CA\", \"TX\", \"NY\"],\n \"creditScore\": \"high\",\n \"loanAmount\": \"conforming\",\n \"includeRateHistory\": true,\n \"historyDays\": \"365\",\n \"historyAggregation\": \"weekly\"\n}\n```\n\n## Example: all products with a 4,000-day history\n\n```json\n{\n \"loanPrograms\": [\"30yr-fixed\", \"20yr-fixed\", \"15yr-fixed\", \"10yr-fixed\", \"5/1-arm\", \"7/1-arm\", \"fha-30yr\", \"va-30yr\", \"jumbo-30yr\"],\n \"loanPurpose\": \"purchase\",\n \"states\": [\"national\"],\n \"includeRateHistory\": true,\n \"historyDays\": \"4000\",\n \"historyAggregation\": \"monthly\"\n}\n```\n\n## Example: lender directory with full profiles\n\n```json\n{\n \"loanPrograms\": [\"30yr-fixed\"],\n \"states\": [\"national\"],\n \"includeLenderDirectory\": true,\n \"lenderLocations\": [\"Austin, TX\", \"CA\", \"90210\"],\n \"maxLenders\": 25,\n \"includeLenderProfiles\": true\n}\n```\n\n## Use cases\n\n- **Rate monitoring:** schedule a daily national or state snapshot and track movement over weeks\n- **Mortgage comparison sites:** show rate, APR, payment estimate, and points in one feed\n- **Market research:** study state-level purchase and refinance spreads across products\n- **Lender research:** build a directory of licensed lenders with ratings, NMLS IDs, and profiles\n- **Financial content:** pair current rates with long-run history for charts and explainers\n\n## FAQ\n\n**Does this actor return per-lender quote rates?**\n\nNo. 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.\n\n**What do the rate assumptions mean?**\n\n`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.\n\n**Why are some states or products missing?**\n\nZillow'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.\n\n**How far back does history go?**\n\nYou 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.\n\n**What are the Zillow Home Loans samples?**\n\nThey 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.\n\n**Are points the same as fees?**\n\nNo. Points are an upfront cost shown by Zillow Home Loans. They are not a complete closing-cost or lender-fee table.\n\n**Do I need a proxy or a Zillow login?**\n\nNo. The actor runs without cookies, logins, or proxy setup and returns public data.\n\n**How fresh is the data?**\n\nEach run reads the values Zillow is publishing at that moment. `rateDate` and `datePriced` show the source date for the rate and the sample.\n\n**Is this affiliated with Zillow?**\n\nNo. This is an independent third-party actor that reads Zillow's publicly published mortgage data.\n\n## Limitations\n\n- 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.\n- Early history points can have a rate without an APR; the actor keeps the rate and omits the missing APR.\n- No city-level rates: Zillow's city pages resolve to state-level rate data.\n- 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+).\n- 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.\n- Points are not a complete closing-fee breakdown.\n", "input": { "title": "Zillow Mortgage Rates & Lender Directory Scraper Input", "description": "Choose Zillow rate products, purposes, states, rate assumptions, history, and the optional lender directory.", "type": "object", "schemaVersion": 1, "properties": { "loanPrograms": { "title": "Loan programs", "type": "array", "description": "Which Zillow rate products to request. Leave empty to include all nine.", "editor": "select", "items": { "type": "string", "enum": [ "30yr-fixed", "20yr-fixed", "15yr-fixed", "10yr-fixed", "5/1-arm", "7/1-arm", "fha-30yr", "va-30yr", "jumbo-30yr" ], "enumTitles": [ "30-year fixed", "20-year fixed", "15-year fixed", "10-year fixed", "5/1 ARM", "7/1 ARM", "FHA 30-year", "VA 30-year", "Jumbo 30-year" ] }, "prefill": [ "30yr-fixed" ] }, "loanPurpose": { "title": "Loan purpose", "type": "string", "description": "Return purchase rates, refinance rates, or both.", "editor": "select", "enum": [ "purchase", "refinance", "both" ], "enumTitles": [ "Purchase", "Refinance", "Both" ], "default": "purchase", "prefill": "purchase" }, "states": { "title": "States", "type": "array", "description": "National plus any states. State-level coverage is widest for 30-year and 15-year products.", "editor": "select", "items": { "type": "string", "enum": [ "national", "AL", "AK", "AZ", "AR", "CA", "CO", "CT", "DE", "DC", "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" ], "enumTitles": [ "National (all states)", "Alabama", "Alaska", "Arizona", "Arkansas", "California", "Colorado", "Connecticut", "Delaware", "Washington D.C.", "Florida", "Georgia", "Hawaii", "Idaho", "Illinois", "Indiana", "Iowa", "Kansas", "Kentucky", "Louisiana", "Maine", "Maryland", "Massachusetts", "Michigan", "Minnesota", "Mississippi", "Missouri", "Montana", "Nebraska", "Nevada", "New Hampshire", "New Jersey", "New Mexico", "New York", "North Carolina", "North Dakota", "Ohio", "Oklahoma", "Oregon", "Pennsylvania", "Rhode Island", "South Carolina", "South Dakota", "Tennessee", "Texas", "Utah", "Vermont", "Virginia", "Washington", "West Virginia", "Wisconsin", "Wyoming" ] }, "default": [ "national" ], "prefill": [ "national" ] }, "creditScore": { "title": "Credit score", "type": "string", "description": "Credit-score assumption used for the rate query.", "editor": "select", "enum": [ "veryHigh", "high", "low" ], "enumTitles": [ "740 or higher", "680–739", "Below 680" ], "default": "veryHigh", "prefill": "veryHigh" }, "loanAmount": { "title": "Loan amount", "type": "string", "description": "Loan-size assumption. Jumbo 30-year always uses the jumbo bucket.", "editor": "select", "enum": [ "conforming", "jumbo", "smallConforming", "superConforming", "micro" ], "enumTitles": [ "Conforming", "Jumbo", "$100k–$200k", "Super conforming", "Under $100k" ], "default": "conforming", "prefill": "conforming" }, "includeRateHistory": { "title": "Include rate history", "type": "boolean", "description": "Add a daily, weekly, or monthly rate history to each rate record.", "default": false, "prefill": false }, "historyDays": { "title": "History window", "type": "string", "description": "How far back to fetch history. Zillow's maximum is 4000 days.", "editor": "select", "enum": [ "30", "90", "365", "1095", "4000" ], "enumTitles": [ "30 days", "90 days", "1 year", "3 years", "Maximum (about 11 years)" ], "default": "90", "prefill": "90" }, "historyAggregation": { "title": "History interval", "type": "string", "description": "Sampling interval for the rate history.", "editor": "select", "enum": [ "daily", "weekly", "monthly" ], "enumTitles": [ "Daily", "Weekly", "Monthly" ], "default": "daily", "prefill": "daily" }, "includeHomeLoanRates": { "title": "Include Zillow Home Loans samples", "type": "boolean", "description": "Attach Zillow Home Loans sample rates with points, fees, and monthly payment.", "default": true, "prefill": true }, "includeLenderDirectory": { "title": "Include lender directory", "type": "boolean", "description": "Also return Zillow mortgage lender directory records with names, logos, ratings, and reviews.", "default": false, "prefill": false }, "lenderLocations": { "title": "Lender locations", "type": "array", "description": "Cities, states, or ZIP codes for the lender directory, e.g. Austin, TX or 90210. Used only when the directory is enabled.", "editor": "stringList", "items": { "type": "string" }, "default": [], "prefill": [] }, "maxLenders": { "title": "Maximum lenders", "type": "integer", "description": "Maximum lender records to return when the directory is enabled (1–200).", "minimum": 1, "maximum": 200, "default": 10, "prefill": 5 }, "includeLenderProfiles": { "title": "Include lender profiles", "type": "boolean", "description": "Fetch full profiles for up to 50 lenders: address, phone, website, licenses, and biography.", "default": false, "prefill": false } }, "required": [] }, "output": { "actorOutputSchemaVersion": 1, "title": "Zillow Mortgage Rates & Lender Directory Scraper Output", "description": "Zillow mortgage rate records by product and state, plus optional Zillow lender directory profiles.", "properties": { "rates": { "type": "string", "title": "Zillow mortgage rates", "description": "Dataset of rate records with current rates, comparisons, history, payment estimates, and Zillow Home Loans samples.", "template": "{{links.apiDefaultDatasetUrl}}/items" }, "lenders": { "type": "string", "title": "Zillow lender directory", "description": "Dataset of lender records with names, logos, ratings, review counts, NMLS IDs, and profile URLs.", "template": "{{links.apiDefaultDatasetUrl}}/items" } } }, "categories": [ "REAL_ESTATE" ], "storages": { "dataset": { "actorSpecification": 1, "title": "Zillow Mortgage Rates & Lender Directory", "fields": { "type": "object", "properties": { "recordType": { "type": "string", "description": "Either 'aggregate' for a rate record or 'lenderProfile' for a lender directory record." }, "loanType": { "type": "string", "nullable": true, "description": "Rate product key: 30yr-fixed, 20yr-fixed, 15yr-fixed, 10yr-fixed, 5/1-arm, 7/1-arm, fha, va, or jumbo." }, "productType": { "type": "string", "nullable": true, "description": "Zillow product category: CONFORMING, FHA, VA, or NON_CONFORMING." }, "scope": { "type": "string", "nullable": true, "description": "national or state." }, "state": { "type": "string", "nullable": true, "description": "Two-letter state abbreviation for state-level rate records." }, "program": { "type": "string", "nullable": true, "description": "Zillow loan program, e.g. Fixed30Year, ARM5, Fixed15Year." }, "termYears": { "type": "number", "nullable": true, "description": "Loan term or initial fixed period in years." }, "rateType": { "type": "string", "nullable": true, "description": "fixed or arm." }, "loanPurpose": { "type": "string", "nullable": true, "description": "purchase or refinance." }, "currentRate": { "type": "number", "nullable": true, "description": "Current interest rate in percent." }, "currentApr": { "type": "number", "nullable": true, "description": "Current APR in percent." }, "rateDate": { "type": "string", "nullable": true, "description": "Source date for the current rate, or the scrape timestamp when no source date exists." }, "rateComparison": { "type": "object", "nullable": true, "description": "Rate and APR for yesterday, lastWeek, and threeMonthsAgo when Zillow provides them." }, "paymentEstimate": { "type": "object", "nullable": true, "description": "Estimated monthly payment with the loan amount, down payment, and loan-to-value used by Zillow." }, "assumptions": { "type": "object", "nullable": true, "description": "Credit-score, loan-to-value, and loan-amount buckets used for the query." }, "rateTrend": { "type": "array", "nullable": true, "description": "Rate history as [{date, rate, apr}] when history is enabled." }, "rateSamples": { "type": "array", "nullable": true, "description": "Zillow Home Loans sample products with rate, APR, points, fees, monthly payment, and price date." }, "source": { "type": "string", "nullable": true, "description": "Data source label for rate records." }, "lenderName": { "type": "string", "nullable": true, "description": "Lender company or individual name." }, "companyName": { "type": "string", "nullable": true, "description": "Lender company name when available." }, "individualName": { "type": "string", "nullable": true, "description": "Individual loan officer name when available." }, "nmlsId": { "type": "number", "nullable": true, "description": "NMLS identifier." }, "nmlsType": { "type": "string", "nullable": true, "description": "NMLS registration type: Company or Individual." }, "rating": { "type": "number", "nullable": true, "description": "Average Zillow lender rating." }, "totalReviews": { "type": "number", "nullable": true, "description": "Total Zillow reviews." }, "confirmedReviews": { "type": "number", "nullable": true, "description": "Confirmed Zillow reviews." }, "recentReviews": { "type": "number", "nullable": true, "description": "Recent Zillow reviews." }, "screenName": { "type": "string", "nullable": true, "description": "Zillow lender profile slug." }, "profileUrl": { "type": "string", "nullable": true, "description": "Absolute Zillow lender profile URL." }, "logoUrl": { "type": "string", "nullable": true, "description": "Absolute Zillow lender logo URL." }, "address": { "type": "object", "nullable": true, "description": "Lender business address with street, city, state, and zipCode." }, "website": { "type": "string", "nullable": true, "description": "Lender website." }, "officePhone": { "type": "string", "nullable": true, "description": "Lender office phone." }, "cellPhone": { "type": "string", "nullable": true, "description": "Lender cell phone when published." }, "title": { "type": "string", "nullable": true, "description": "Lender professional title when published." }, "languagesSpoken": { "type": "array", "nullable": true, "description": "Languages the lender publishes." }, "stateLicenses": { "type": "object", "nullable": true, "description": "State license map when published." }, "aboutMe": { "type": "string", "nullable": true, "description": "Lender biography." }, "scrapedAt": { "type": "string", "description": "ISO 8601 scrape timestamp." } } }, "views": { "overview": { "title": "Mortgage Rates", "transformation": { "fields": [ "recordType", "loanType", "loanPurpose", "scope", "state", "currentRate", "currentApr", "rateDate" ] }, "display": { "component": "table", "properties": { "recordType": { "label": "Type", "format": "text" }, "loanType": { "label": "Product", "format": "text" }, "loanPurpose": { "label": "Purpose", "format": "text" }, "scope": { "label": "Scope", "format": "text" }, "state": { "label": "State", "format": "text" }, "currentRate": { "label": "Rate %", "format": "number" }, "currentApr": { "label": "APR %", "format": "number" }, "rateDate": { "label": "Rate Date", "format": "text" } } } }, "lenders": { "title": "Lender Directory", "transformation": { "fields": [ "recordType", "lenderName", "rating", "totalReviews", "nmlsId", "state", "logoUrl" ] }, "display": { "component": "table", "properties": { "recordType": { "label": "Type", "format": "text" }, "lenderName": { "label": "Lender", "format": "text" }, "rating": { "label": "Rating", "format": "number" }, "totalReviews": { "label": "Reviews", "format": "number" }, "nmlsId": { "label": "NMLS", "format": "number" }, "state": { "label": "State", "format": "text" }, "logoUrl": { "label": "Logo", "format": "text" } } } } } } }, "environmentVariables": {} }, "buildNumber": "1.3.1", "imageDigest": "f1b5b10a5b27fe7c78ee98d5e79eaef7ff9cc1160e65fb35a93cbee66d2c9438", "actVersion": { "sourceType": "SOURCE_FILES", "buildTag": "latest", "versionNumber": "1.3" }, "usage": { "ACTOR_COMPUTE_UNITS": 0.012231111111111111 } } }