Zions First National Bank Mortgage Lending & HMDA Data, 2010

In 2010, Zions First National Bank of Salt Lake City, UT reported 6,294 mortgage applications totaling $1.2 billion, down 35% from 2009. The average application was for $195,655, and applicants reported an average income of $116,106. 51% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Salt Lake City, UT (1,333), Ogden-Clearfield, UT (568) and Provo-Orem, UT (399) (applications in parentheses).

Mortgage Company & Address Zions First National Bank
One S Main St 11th Fl
Salt Lake City, UT 84133
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 6,294
Total Mortgage Loan Application Amount $1,231,458,000
Average Mortgage Loan Application Amount $195,655
Highest Mortgage Loan Application Amount $4,021,000
Average Applicant Income $116,106
Highest Applicant Income $6,804,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Zions First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Zions First National Bank by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Salt Lake, Utah 1,120 $ 235,038,000 $ 209,855 $ 101,000
Utah, Utah 392 $ 72,212,000 $ 184,214 $ 101,000
Davis, Utah 389 $ 80,075,000 $ 205,848 $ 94,000
Washington, Utah 387 $ 69,841,000 $ 180,467 $ 99,000
Cache, Utah 336 $ 53,833,000 $ 160,217 $ 87,000
Summit, Utah 172 $ 67,864,000 $ 394,558 $ 213,000
Weber, Utah 166 $ 31,602,000 $ 190,373 $ 94,000
Los Angeles, California 156 $ 46,705,000 $ 299,391 $ 235,000
Box Elder, Utah 147 $ 21,953,000 $ 149,340 $ 80,000
Latah, Idaho 130 $ 26,748,000 $ 205,753 $ 91,000
Sevier, Utah 114 $ 12,749,000 $ 111,833 $ 66,000
Ada, Idaho 113 $ 20,124,000 $ 178,088 $ 170,000
San Diego, California 112 $ 36,304,000 $ 324,142 $ 242,000
Iron, Utah 110 $ 13,948,000 $ 126,800 $ 95,000
Wasatch, Utah 110 $ 37,902,000 $ 344,563 $ 267,000
Bonneville, Idaho 109 $ 18,481,000 $ 169,550 $ 114,000
Clark, Nevada 106 $ 16,205,000 $ 152,877 $ 118,000
Uintah, Utah 101 $ 14,483,000 $ 143,396 $ 91,000
Grand, Utah 97 $ 22,150,000 $ 228,350 $ 112,000
Sanpete, Utah 94 $ 10,555,000 $ 112,287 $ 70,000
Millard, Utah 90 $ 8,384,000 $ 93,155 $ 66,000
Duchesne, Utah 84 $ 9,604,000 $ 114,333 $ 93,000
Orange, California 78 $ 26,062,000 $ 334,128 $ 224,000
Canyon, Idaho 70 $ 9,048,000 $ 129,257 $ 78,000
Jefferson, Idaho 64 $ 9,978,000 $ 155,906 $ 75,000
San Juan, Utah 60 $ 6,753,000 $ 112,550 $ 78,000
Kane, Utah 54 $ 7,628,000 $ 141,259 $ 105,000
Bannock, Idaho 51 $ 6,177,000 $ 121,117 $ 87,000
Bingham, Idaho 51 $ 8,169,000 $ 160,176 $ 121,000
Bear Lake, Idaho 49 $ 5,698,000 $ 116,285 $ 110,000
Garfield, Utah 48 $ 6,116,000 $ 127,416 $ 90,000
Carbon, Utah 44 $ 3,900,000 $ 88,636 $ 64,000
Twin Falls, Idaho 43 $ 6,601,000 $ 153,511 $ 92,000
San Bernardino, California 41 $ 8,113,000 $ 197,878 $ 137,000
Tooele, Utah 41 $ 7,244,000 $ 176,682 $ 134,000
Riverside, California 39 $ 8,440,000 $ 216,410 $ 227,000
Emery, Utah 39 $ 3,889,000 $ 99,717 $ 101,000
Rich, Utah 37 $ 5,851,000 $ 158,135 $ 130,000
Cassia, Idaho 35 $ 3,721,000 $ 106,314 $ 68,000
Nez Perce, Idaho 32 $ 3,176,000 $ 99,250 $ 52,000
Fresno, California 30 $ 6,231,000 $ 207,700 $ 202,000
Whitman, Washington 30 $ 5,811,000 $ 193,700 $ 87,000
Blaine, Idaho 29 $ 14,179,000 $ 488,931 $ 346,000
Madison, Idaho 28 $ 3,950,000 $ 141,071 $ 87,000
Alameda, California 25 $ 8,219,000 $ 328,760 $ 146,000
Franklin, Idaho 25 $ 3,515,000 $ 140,600 $ 61,000
Sacramento, California 24 $ 4,807,000 $ 200,291 $ 138,000
Elko, Nevada 24 $ 4,636,000 $ 193,166 $ 118,000
San Mateo, California 22 $ 6,300,000 $ 286,363 $ 120,000
Gooding, Idaho 22 $ 2,789,000 $ 126,772 $ 71,000
Payette, Idaho 21 $ 2,577,000 $ 122,714 $ 69,000
Contra Costa, California 20 $ 5,532,000 $ 276,600 $ 212,000
Maricopa, Arizona 18 $ 7,013,000 $ 389,611 $ 119,000
Fremont, Idaho 18 $ 5,113,000 $ 284,055 $ 243,000
Washington, Idaho 17 $ 1,307,000 $ 76,882 $ 54,000
Minidoka, Idaho 16 $ 1,920,000 $ 120,000 $ 79,000
Coconino, Arizona 15 $ 2,547,000 $ 169,800 $ 66,000
Yavapai, Arizona 15 $ 2,235,000 $ 149,000 $ 76,000
Ventura, California 14 $ 4,930,000 $ 352,142 $ 232,000
San Francisco, California 13 $ 3,948,000 $ 303,692 $ 145,000
Morgan, Utah 13 $ 4,865,000 $ 374,230 $ 150,000
Santa Clara, California 12 $ 3,980,000 $ 331,666 $ 124,000
Washoe, Nevada 12 $ 1,613,000 $ 134,416 $ 66,000
Gila, Arizona 11 $ 1,208,000 $ 109,818 $ 59,000
Pinal, Arizona 11 $ 2,697,000 $ 245,181 $ 98,000
Teton, Idaho 11 $ 5,582,000 $ 507,454 $ 315,000
Pima, Arizona 10 $ 2,191,000 $ 219,100 $ 120,000
Kern, California 10 $ 1,326,000 $ 132,600 $ 95,000
Caribou, Idaho 10 $ 1,351,000 $ 135,100 $ 168,000
Jerome, Idaho 8 $ 869,000 $ 108,625 $ 63,000
Valley, Idaho 8 $ 1,040,000 $ 130,000 $ 137,000
Kootenai, Idaho 7 $ 1,671,000 $ 238,714 $ 209,000
Beaver, Utah 7 $ 1,375,000 $ 196,428 $ 91,000
Juab, Utah 7 $ 879,000 $ 125,571 $ 66,000
Asotin, Washington 7 $ 1,001,000 $ 143,000 $ 77,000
Lincoln, Wyoming 7 $ 840,000 $ 120,000 $ 121,000
Yuma, Arizona 6 $ 1,975,000 $ 329,166 $ 205,000
Gallatin, Montana 6 $ 1,179,000 $ 196,500 $ 80,000
Malheur, Oregon 6 $ 813,000 $ 135,500 $ 69,000
Mohave, Arizona 5 $ 722,000 $ 144,400 $ 123,000
Elmore, Idaho 5 $ 394,000 $ 78,800 $ 148,000
Lincoln, Idaho 5 $ 485,000 $ 97,000 $ 41,000
Nye, Nevada 5 $ 543,000 $ 108,600 $ 64,000
Piute, Utah 5 $ 434,000 $ 86,800 $ 55,000
Wayne, Utah 5 $ 762,000 $ 152,400 $ 57,000
Placer, California 4 $ 766,000 $ 191,500 $ 183,000
Custer, Idaho 4 $ 882,000 $ 220,500 $ 88,000
Oneida, Idaho 4 $ 310,000 $ 77,500 $ 29,000
Uinta, Wyoming 4 $ 279,000 $ 69,750 $ 50,000
Cochise, Arizona 3 $ 941,000 $ 313,666 $ 108,000
San Joaquin, California 3 $ 533,000 $ 177,666 $ 1,268,000
Garfield, Colorado 3 $ 665,000 $ 221,666 $ 75,000
Montezuma, Colorado 3 $ 421,000 $ 140,333 $ 75,000
Hartford, Connecticut 3 $ 736,000 $ 245,333 $ 0
Gem, Idaho 3 $ 644,000 $ 214,666 $ 56,000
Owyhee, Idaho 3 $ 584,000 $ 194,666 $ 44,000
Power, Idaho 3 $ 496,000 $ 165,333 $ 198,000
Douglas, Nevada 3 $ 775,000 $ 258,333 $ 91,000
Lyon, Nevada 3 $ 751,000 $ 250,333 $ 107,000
Curry, New Mexico 3 $ 986,000 $ 328,666 $ 78,000
Grant, Washington 3 $ 976,000 $ 325,333 $ 331,000
King, Washington 3 $ 543,000 $ 181,000 $ 48,000
Navajo, Arizona 2 $ 245,000 $ 122,500 $ 59,000
Madera, California 2 $ 474,000 $ 237,000 $ 571,000
Marin, California 2 $ 580,000 $ 290,000 $ 144,000
Napa, California 2 $ 250,000 $ 125,000 $ 405,000
Yolo, California 2 $ 280,000 $ 140,000 $ 422,000
Boulder, Colorado 2 $ 404,000 $ 202,000 $ 53,000
Jefferson, Colorado 2 $ 197,000 $ 98,500 $ 27,000
Pitkin, Colorado 2 $ 1,380,000 $ 690,000 $ 415,000
Pueblo, Colorado 2 $ 489,000 $ 244,500 $ 94,000
Weld, Colorado 2 $ 239,000 $ 119,500 $ 229,000
Lee, Florida 2 $ 525,000 $ 262,500 $ 0
Adams, Idaho 2 $ 375,000 $ 187,500 $ 159,000
Boise, Idaho 2 $ 546,000 $ 273,000 $ 94,000
Butte, Idaho 2 $ 308,000 $ 154,000 $ 80,000
Clark, Idaho 2 $ 269,000 $ 134,500 $ 52,000
Idaho, Idaho 2 $ 216,000 $ 108,000 $ 56,000
Lemhi, Idaho 2 $ 432,000 $ 216,000 $ 30,000
Lewis, Idaho 2 $ 202,000 $ 101,000 $ 58,000
Humboldt, Nevada 2 $ 312,000 $ 156,000 $ 73,000
Jackson, Oregon 2 $ 362,000 $ 181,000 $ 53,000
Multnomah, Oregon 2 $ 150,000 $ 75,000 $ 192,000
Washington, Oregon 2 $ 227,000 $ 113,500 $ 82,000
Travis, Texas 2 $ 371,000 $ 185,500 $ 51,000
Daggett, Utah 2 $ 237,000 $ 118,500 $ 73,000
Garfield, Washington 2 $ 265,000 $ 132,500 $ 43,000
Pierce, Washington 2 $ 310,000 $ 155,000 $ 111,000
Teton, Wyoming 2 $ 1,407,000 $ 703,500 $ 34,000
Anchorage, Alaska 1 $ 103,000 $ 103,000 $ 1,072,000
Santa Cruz, Arizona 1 $ 135,000 $ 135,000 $ 312,000
El Dorado, California 1 $ 133,000 $ 133,000 $ 444,000
Merced, California 1 $ 73,000 $ 73,000 $ 26,000
Monterey, California 1 $ 223,000 $ 223,000 $ 127,000
Santa Barbara, California 1 $ 13,000 $ 13,000 $ 113,000
Santa Cruz, California 1 $ 417,000 $ 417,000 $ 204,000
Sierra, California 1 $ 1,000 $ 1,000 $ 18,000
Solano, California 1 $ 216,000 $ 216,000 $ 69,000
Sonoma, California 1 $ 380,000 $ 380,000 $ 142,000
Tehama, California 1 $ 105,000 $ 105,000 $ 91,000
Tulare, California 1 $ 360,000 $ 360,000 $ 117,000
Denver, Colorado 1 $ 82,000 $ 82,000 $ 120,000
El Paso, Colorado 1 $ 288,000 $ 288,000 $ 126,000
Elbert, Colorado 1 $ 417,000 $ 417,000 $ 138,000
Moffat, Colorado 1 $ 165,000 $ 165,000 $ 81,000
Rio Blanco, Colorado 1 $ 220,000 $ 220,000 $ 119,000
San Juan, Colorado 1 $ 154,000 $ 154,000 $ 36,000
Broward, Florida 1 $ 10,000 $ 10,000 $ 67,000
DeKalb, Georgia 1 $ 1,000 $ 1,000 $ 34,000
Fulton, Georgia 1 $ 138,000 $ 138,000 $ 0
Benewah, Idaho 1 $ 132,000 $ 132,000 $ 36,000
Boundary, Idaho 1 $ 62,000 $ 62,000 $ 40,000
Shoshone, Idaho 1 $ 15,000 $ 15,000 $ 80,000
Christian, Kentucky 1 $ 10,000 $ 10,000 $ 115,000
Bristol, Massachusetts 1 $ 316,000 $ 316,000 $ 0
Ingham, Michigan 1 $ 30,000 $ 30,000 $ 85,000
Wexford, Michigan 1 $ 20,000 $ 20,000 $ 62,000
Carbon, Montana 1 $ 180,000 $ 180,000 $ 39,000
Flathead, Montana 1 $ 417,000 $ 417,000 $ 188,000
Missoula, Montana 1 $ 300,000 $ 300,000 $ 249,000
Carson City, Nevada 1 $ 400,000 $ 400,000 $ 180,000
Lincoln, Nevada 1 $ 160,000 $ 160,000 $ 88,000
White Pine, Nevada 1 $ 220,000 $ 220,000 $ 73,000
Belknap, New Hampshire 1 $ 253,000 $ 253,000 $ 0
Essex, New Jersey 1 $ 108,000 $ 108,000 $ 0
Hudson, New Jersey 1 $ 423,000 $ 423,000 $ 0
Clackamas, Oregon 1 $ 159,000 $ 159,000 $ 79,000
Grant, Oregon 1 $ 78,000 $ 78,000 $ 204,000
Delaware, Pennsylvania 1 $ 61,000 $ 61,000 $ 0
Luzerne, Pennsylvania 1 $ 179,000 $ 179,000 $ 0
Tipton, Tennessee 1 $ 5,000 $ 5,000 $ 14,000
Benton, Washington 1 $ 190,000 $ 190,000 $ 47,000
Franklin, Washington 1 $ 161,000 $ 161,000 $ 57,000
Mason, Washington 1 $ 247,000 $ 247,000 $ 111,000
Snohomish, Washington 1 $ 227,000 $ 227,000 $ 78,000
Spokane, Washington 1 $ 162,000 $ 162,000 $ 86,000
Fremont, Wyoming 1 $ 133,000 $ 133,000 $ 60,000
Sweetwater, Wyoming 1 $ 158,000 $ 158,000 $ 65,000

Mortgage Loan Application Detail Totals for Zions First National Bank in 2010

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 4,115 $818,505,000 $198,000 $4,021,000 $115,000 $6,804,000
Home Purchase 1,743 $398,980,000 $228,000 $3,000,000 $129,000 $5,323,000
Home Improvement 436 $13,973,000 $32,000 $726,000 $75,000 $1,380,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 5,027 $940,328,000 $187,000 $4,021,000 $111,000 $6,801,000
Not Provided 554 $134,050,000 $241,000 $3,000,000 $158,000 $4,720,000
Not applicable 219 $66,527,000 $303,000 $2,520,000 $167,000 $6,804,000
Hispanic 211 $31,447,000 $149,000 $698,000 $70,000 $653,000
Asian 208 $48,462,000 $232,000 $1,380,000 $133,000 $1,054,000
American Indian or Alaskan Native 36 $4,263,000 $118,000 $330,000 $64,000 $166,000
Black or African American 21 $3,570,000 $170,000 $330,000 $79,000 $205,000
Native Hawaiian or Other Pacific Islander 18 $2,811,000 $156,000 $336,000 $58,000 $117,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 5,749 $1,133,496,000 $197,000 $4,021,000 $121,000 $6,804,000
FHA-insured (Federal Housing Administration) 490 $87,612,000 $178,000 $670,000 $58,000 $583,000
VA-guaranteed (Veterans Administration) 38 $7,846,000 $206,000 $429,000 $68,000 $165,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $2,504,000 $147,000 $208,000 $40,000 $67,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 3,184 $597,650,000 $187,000 $4,021,000 $114,000 $5,323,000
Application Denied By Financial Institution 1,273 $225,419,000 $177,000 $3,000,000 $88,000 $2,626,000
Application Approved But Not Accepted 1,074 $218,102,000 $203,000 $3,746,000 $115,000 $2,983,000
Loan Purchased By The Institution 734 $184,562,000 $251,000 $803,000 $177,000 $6,804,000
Application Withdrawn By Applicant 21 $3,923,000 $186,000 $650,000 $111,000 $543,000
File Closed For Incompleteness 8 $1,802,000 $225,000 $508,000 $89,000 $276,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 359 $34,282,000 $95,000 $600,000 $69,000 $1,344,000
Collateral 347 $76,053,000 $219,000 $1,500,000 $117,000 $2,128,000
Debt-To-Income Ratio 307 $65,902,000 $214,000 $1,932,000 $64,000 $2,477,000
Other 208 $38,042,000 $182,000 $3,000,000 $108,000 $2,626,000
Employment History 18 $4,165,000 $231,000 $900,000 $96,000 $533,000
Credit Application Incomplete 14 $2,441,000 $174,000 $315,000 $63,000 $121,000
Unverifiable Information 9 $1,947,000 $216,000 $482,000 $75,000 $150,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,988,000 $248,000 $551,000 $86,000 $165,000
Mortgage Insurance Denied 3 $599,000 $199,000 $222,000 $55,000 $67,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions First National Bank's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Zions First National Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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