Georgetown University's latest analysis uncovered a troubling pattern at Zillow Home Loans: borrowers were systematically overcharged, with one notable case showing a $4,457 surplus fee on a $337,000 loan. The scale of the issue becomes clearer when you consider Zillow's lending division facilitated over $3 billion in loans throughout 2024. This discovery has triggered multiple class action lawsuits against the platform, with borrowers challenging what they argue are predatory lending practices. The case highlights ongoing tensions in the fintech lending space—where automation and scale sometimes come at the cost of consumer protection. For borrowers navigating digital lending platforms, it's a reminder to scrutinize every fee and compare terms carefully before committing.