Zillow does not give accurate reviews of lenders. If you had a bad experience with a lender as I did with First Federal Bank of Kansas City, MO then you do not use the bank as a result of the bad experience, then Zillow tells you they won't use your review because you did not get locked into a contract with the bank. Well thank goodness my review did not qualify! I suspect Zillow may recieve monetary compensation for good reviews and that they post good reviews about banks that are written by the bank.