Zions First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Zions First National Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 15,306 |
| Total Mortgage Loan Application Amount | $2,135,468,000 |
| Average Mortgage Loan Application Amount | $181,215 |
| Highest Mortgage Loan Application Amount | $6,500,000 |
| Average Applicant Income | $93,430 |
| Highest Applicant Income | $5,593,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Zions First National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Zions First National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Zions First National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Zions First National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Zions First National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Zions First National Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake County Utah | 2,502 | $ 337,489,000 | $ 134,000 | $ 84,000 |
| Utah County Utah | 1,080 | $ 139,657,000 | $ 129,000 | $ 95,000 |
| Washington County Utah | 921 | $ 106,444,000 | $ 115,000 | $ 78,000 |
| Cache County Utah | 790 | $ 88,836,000 | $ 112,000 | $ 56,000 |
| Davis County Utah | 699 | $ 106,252,000 | $ 152,000 | $ 101,000 |
| Clark County Nevada | 674 | $ 113,088,000 | $ 167,000 | $ 81,000 |
| Weber County Utah | 356 | $ 44,896,000 | $ 126,000 | $ 82,000 |
| Bonneville County Idaho | 339 | $ 34,862,000 | $ 102,000 | $ 87,000 |
| Millard County Utah | 309 | $ 21,644,000 | $ 70,000 | $ 47,000 |
| Sevier County Utah | 274 | $ 20,418,000 | $ 74,000 | $ 48,000 |
| Bannock County Idaho | 272 | $ 21,020,000 | $ 77,000 | $ 66,000 |
| Iron County Utah | 261 | $ 29,936,000 | $ 114,000 | $ 76,000 |
| Uintah County Utah | 255 | $ 18,630,000 | $ 73,000 | $ 53,000 |
| Box Elder County Utah | 245 | $ 22,154,000 | $ 90,000 | $ 55,000 |
| Summit County Utah | 245 | $ 66,986,000 | $ 273,000 | $ 349,000 |
| Sanpete County Utah | 230 | $ 18,110,000 | $ 78,000 | $ 62,000 |
| Maricopa County Arizona | 213 | $ 85,645,000 | $ 402,000 | $ 158,000 |
| Wasatch County Utah | 203 | $ 31,506,000 | $ 155,000 | $ 125,000 |
| Bingham County Idaho | 200 | $ 17,817,000 | $ 89,000 | $ 65,000 |
| Ada County Idaho | 194 | $ 25,942,000 | $ 133,000 | $ 79,000 |
| Duchesne County Utah | 194 | $ 10,579,000 | $ 54,000 | $ 48,000 |
| Jefferson County Idaho | 187 | $ 17,805,000 | $ 95,000 | $ 80,000 |
| Nez Perce County Idaho | 174 | $ 14,668,000 | $ 84,000 | $ 51,000 |
| Washoe County Nevada | 169 | $ 31,576,000 | $ 186,000 | $ 97,000 |
| Twin Falls County Idaho | 147 | $ 15,368,000 | $ 104,000 | $ 69,000 |
| Emery County Utah | 144 | $ 8,071,000 | $ 56,000 | $ 52,000 |
| San Juan County Utah | 141 | $ 9,749,000 | $ 69,000 | $ 56,000 |
| Bear Lake County Idaho | 139 | $ 9,519,000 | $ 68,000 | $ 50,000 |
| Carbon County Utah | 136 | $ 8,368,000 | $ 61,000 | $ 54,000 |
| Latah County Idaho | 129 | $ 15,018,000 | $ 116,000 | $ 64,000 |
| Grand County Utah | 114 | $ 11,898,000 | $ 104,000 | $ 59,000 |
| Madison County Idaho | 111 | $ 12,444,000 | $ 112,000 | $ 63,000 |
| Kane County Utah | 111 | $ 11,099,000 | $ 99,000 | $ 77,000 |
| Routt County Colorado | 108 | $ 37,799,000 | $ 349,000 | $ 265,000 |
| Cassia County Idaho | 104 | $ 7,588,000 | $ 72,000 | $ 55,000 |
| Tooele County Utah | 99 | $ 9,779,000 | $ 98,000 | $ 53,000 |
| Washington County Idaho | 96 | $ 6,158,000 | $ 64,000 | $ 55,000 |
| Yavapai County Arizona | 92 | $ 19,906,000 | $ 216,000 | $ 95,000 |
| Garfield County Utah | 87 | $ 5,717,000 | $ 65,000 | $ 59,000 |
| Yuma County Arizona | 73 | $ 11,338,000 | $ 155,000 | $ 74,000 |
| Canyon County Idaho | 72 | $ 7,411,000 | $ 102,000 | $ 50,000 |
| Nye County Nevada | 70 | $ 5,986,000 | $ 85,000 | $ 43,000 |
| La Plata County Colorado | 68 | $ 20,437,000 | $ 300,000 | $ 133,000 |
| Manatee County Florida | 67 | $ 10,838,000 | $ 161,000 | $ 95,000 |
| San Diego County California | 63 | $ 27,890,000 | $ 442,000 | $ 210,000 |
| Orange County California | 61 | $ 26,497,000 | $ 434,000 | $ 222,000 |
| Coconino County Arizona | 58 | $ 11,771,000 | $ 202,000 | $ 76,000 |
| Boundary County Idaho | 56 | $ 3,661,000 | $ 65,000 | $ 41,000 |
| Minidoka County Idaho | 56 | $ 3,413,000 | $ 60,000 | $ 48,000 |
| Franklin County Idaho | 53 | $ 5,408,000 | $ 102,000 | $ 56,000 |
| Pima County Arizona | 51 | $ 14,708,000 | $ 288,000 | $ 125,000 |
| Denver County Colorado | 50 | $ 9,982,000 | $ 199,000 | $ 78,000 |
| Rich County Utah | 50 | $ 3,864,000 | $ 77,000 | $ 89,000 |
| Payette County Idaho | 49 | $ 3,484,000 | $ 71,000 | $ 47,000 |
| Asotin County Washington | 48 | $ 3,796,000 | $ 79,000 | $ 53,000 |
| El Paso County Colorado | 41 | $ 14,865,000 | $ 362,000 | $ 104,000 |
| Fremont County Idaho | 40 | $ 4,809,000 | $ 120,000 | $ 107,000 |
| Los Angeles County California | 39 | $ 10,733,000 | $ 275,000 | $ 159,000 |
| Lyon County Nevada | 39 | $ 4,841,000 | $ 124,000 | $ 70,000 |
| Juab County Utah | 39 | $ 3,080,000 | $ 78,000 | $ 62,000 |
| Gooding County Idaho | 34 | $ 2,161,000 | $ 63,000 | $ 44,000 |
| Fresno County California | 33 | $ 10,557,000 | $ 319,000 | $ 173,000 |
| Jerome County Idaho | 32 | $ 2,251,000 | $ 70,000 | $ 53,000 |
| Cochise County Arizona | 31 | $ 5,559,000 | $ 179,000 | $ 70,000 |
| Gila County Arizona | 29 | $ 5,849,000 | $ 201,000 | $ 92,000 |
| Alameda County California | 28 | $ 11,572,000 | $ 413,000 | $ 176,000 |
| Lee County Florida | 28 | $ 7,793,000 | $ 278,000 | $ 138,000 |
| Hennepin County Minnesota | 27 | $ 5,587,000 | $ 206,000 | $ 65,000 |
| Beaver County Utah | 26 | $ 2,145,000 | $ 82,000 | $ 52,000 |
| Oakland County Michigan | 25 | $ 8,670,000 | $ 346,000 | $ 147,000 |
| Riverside County California | 24 | $ 8,269,000 | $ 344,000 | $ 315,000 |
| Jefferson County Colorado | 24 | $ 4,781,000 | $ 199,000 | $ 118,000 |
| Anoka County Minnesota | 23 | $ 4,043,000 | $ 175,000 | $ 78,000 |
| Loudoun County Virginia | 22 | $ 8,020,000 | $ 364,000 | $ 123,000 |
| Dakota County Minnesota | 21 | $ 4,326,000 | $ 206,000 | $ 66,000 |
| Pitkin County Colorado | 20 | $ 10,646,000 | $ 532,000 | $ 221,000 |
| Caribou County Idaho | 20 | $ 1,337,000 | $ 66,000 | $ 66,000 |
| Piute County Utah | 20 | $ 1,296,000 | $ 64,000 | $ 44,000 |
| Tulare County California | 19 | $ 3,804,000 | $ 200,000 | $ 99,000 |
| Teller County Colorado | 19 | $ 4,555,000 | $ 239,000 | $ 106,000 |
| Wayne County Utah | 19 | $ 1,403,000 | $ 73,000 | $ 53,000 |
| Douglas County Colorado | 17 | $ 9,022,000 | $ 530,000 | $ 147,000 |
| Elko County Nevada | 17 | $ 1,527,000 | $ 89,000 | $ 52,000 |
| Contra Costa County California | 16 | $ 6,679,000 | $ 417,000 | $ 230,000 |
| Lincoln County Wyoming | 16 | $ 1,028,000 | $ 64,000 | $ 52,000 |
| Sacramento County California | 15 | $ 3,656,000 | $ 243,000 | $ 96,000 |
| Uinta County Wyoming | 15 | $ 4,821,000 | $ 321,000 | $ 153,000 |
| Mohave County Arizona | 14 | $ 2,174,000 | $ 155,000 | $ 88,000 |
| Owyhee County Idaho | 14 | $ 917,000 | $ 65,000 | $ 45,000 |
| Carson City County Nevada | 14 | $ 2,111,000 | $ 150,000 | $ 52,000 |
| Navajo County Arizona | 13 | $ 1,379,000 | $ 106,000 | $ 62,000 |
| Pinal County Arizona | 13 | $ 2,582,000 | $ 198,000 | $ 73,000 |
| Boulder County Colorado | 13 | $ 3,135,000 | $ 241,000 | $ 119,000 |
| Charlotte County Florida | 13 | $ 2,542,000 | $ 195,000 | $ 137,000 |
| Oneida County Idaho | 13 | $ 976,000 | $ 75,000 | $ 57,000 |
| Douglas County Nevada | 13 | $ 3,002,000 | $ 230,000 | $ 83,000 |
| Morgan County Utah | 13 | $ 2,499,000 | $ 192,000 | $ 151,000 |
| Adams County Colorado | 12 | $ 2,387,000 | $ 198,000 | $ 58,000 |
| Arapahoe County Colorado | 12 | $ 4,507,000 | $ 375,000 | $ 113,000 |
| San Miguel County Colorado | 12 | $ 9,410,000 | $ 784,000 | $ 370,000 |
| Hillsborough County Florida | 12 | $ 1,741,000 | $ 145,000 | $ 88,000 |
| Monmouth County New Jersey | 12 | $ 4,768,000 | $ 397,000 | $ 178,000 |
| Whitman County Washington | 12 | $ 1,267,000 | $ 105,000 | $ 56,000 |
| Lincoln County Idaho | 11 | $ 692,000 | $ 62,000 | $ 42,000 |
| Lincoln County Nevada | 11 | $ 848,000 | $ 77,000 | $ 73,000 |
| Eagle County Colorado | 10 | $ 2,923,000 | $ 292,000 | $ 106,000 |
| Montezuma County Colorado | 10 | $ 1,034,000 | $ 103,000 | $ 70,000 |
| Kootenai County Idaho | 10 | $ 1,824,000 | $ 182,000 | $ 109,000 |
| Power County Idaho | 10 | $ 659,000 | $ 65,000 | $ 38,000 |
| Middlesex County New Jersey | 10 | $ 3,411,000 | $ 341,000 | $ 162,000 |
| Daggett County Utah | 10 | $ 938,000 | $ 93,000 | $ 74,000 |
| Larimer County Colorado | 9 | $ 1,637,000 | $ 181,000 | $ 83,000 |
| Mesa County Colorado | 9 | $ 1,181,000 | $ 131,000 | $ 51,000 |
| Elmore County Idaho | 9 | $ 583,000 | $ 64,000 | $ 57,000 |
| Ocean County New Jersey | 9 | $ 891,000 | $ 99,000 | $ 103,000 |
| Kern County California | 8 | $ 1,035,000 | $ 129,000 | $ 153,000 |
| Garfield County Colorado | 8 | $ 3,095,000 | $ 386,000 | $ 129,000 |
| Sarasota County Florida | 8 | $ 1,229,000 | $ 153,000 | $ 74,000 |
| Clearwater County Idaho | 8 | $ 462,000 | $ 57,000 | $ 63,000 |
| Lewis County Idaho | 8 | $ 579,000 | $ 72,000 | $ 39,000 |
| Valley County Idaho | 8 | $ 1,550,000 | $ 193,000 | $ 106,000 |
| Prince William County Virginia | 8 | $ 2,696,000 | $ 337,000 | $ 143,000 |
| Monterey County California | 7 | $ 2,506,000 | $ 358,000 | $ 175,000 |
| San Mateo County California | 7 | $ 13,549,000 | $ 1,935,000 | $ 1,023,000 |
| Montrose County Colorado | 7 | $ 1,267,000 | $ 181,000 | $ 86,000 |
| Pueblo County Colorado | 7 | $ 832,000 | $ 118,000 | $ 62,000 |
| Weld County Colorado | 7 | $ 1,178,000 | $ 168,000 | $ 84,000 |
| Duval County Florida | 7 | $ 877,000 | $ 125,000 | $ 65,000 |
| Blaine County Idaho | 7 | $ 1,163,000 | $ 166,000 | $ 158,000 |
| Bonner County Idaho | 7 | $ 857,000 | $ 122,000 | $ 72,000 |
| Gem County Idaho | 7 | $ 987,000 | $ 141,000 | $ 70,000 |
| Ramsey County Minnesota | 7 | $ 1,085,000 | $ 155,000 | $ 57,000 |
| Malheur County Oregon | 7 | $ 528,000 | $ 75,000 | $ 47,000 |
| Apache County Arizona | 6 | $ 1,117,000 | $ 186,000 | $ 213,000 |
| Archuleta County Colorado | 6 | $ 2,079,000 | $ 346,000 | $ 131,000 |
| Summit County Colorado | 6 | $ 1,375,000 | $ 229,000 | $ 191,000 |
| Palm Beach County Florida | 6 | $ 1,568,000 | $ 261,000 | $ 136,000 |
| Boise County Idaho | 6 | $ 829,000 | $ 138,000 | $ 92,000 |
| Kane County Illinois | 6 | $ 941,000 | $ 156,000 | $ 58,000 |
| Harris County Texas | 6 | $ 1,382,000 | $ 230,000 | $ 262,000 |
| York County Virginia | 6 | $ 637,000 | $ 106,000 | $ 95,000 |
| Marin County California | 5 | $ 2,567,000 | $ 513,000 | $ 155,000 |
| Custer County Idaho | 5 | $ 1,023,000 | $ 204,000 | $ 73,000 |
| Idaho County Idaho | 5 | $ 241,000 | $ 48,000 | $ 58,000 |
| Will County Illinois | 5 | $ 696,000 | $ 139,000 | $ 85,000 |
| Wayne County Michigan | 5 | $ 1,807,000 | $ 361,000 | $ 277,000 |
| Carver County Minnesota | 5 | $ 1,056,000 | $ 211,000 | $ 75,000 |
| Olmsted County Minnesota | 5 | $ 604,000 | $ 120,000 | $ 59,000 |
| Lincoln County Montana | 5 | $ 247,000 | $ 49,000 | $ 33,000 |
| White Pine County Nevada | 5 | $ 628,000 | $ 125,000 | $ 37,000 |
| San Juan County New Mexico | 5 | $ 987,000 | $ 197,000 | $ 103,000 |
| Santa Cruz County Arizona | 4 | $ 936,000 | $ 234,000 | $ 108,000 |
| Madera County California | 4 | $ 1,037,000 | $ 259,000 | $ 127,000 |
| Placer County California | 4 | $ 1,157,000 | $ 289,000 | $ 87,000 |
| San Bernardino County California | 4 | $ 770,000 | $ 192,000 | $ 220,000 |
| San Francisco County California | 4 | $ 1,222,000 | $ 305,000 | $ 97,000 |
| Alamosa County Colorado | 4 | $ 712,000 | $ 178,000 | $ 77,000 |
| Teton County Idaho | 4 | $ 492,000 | $ 123,000 | $ 129,000 |
| Delaware County Ohio | 4 | $ 934,000 | $ 233,000 | $ 90,000 |
| Clackamas County Oregon | 4 | $ 842,000 | $ 210,000 | $ 67,000 |
| James City County Virginia | 4 | $ 901,000 | $ 225,000 | $ 43,000 |
| Benton County Washington | 4 | $ 810,000 | $ 202,000 | $ 160,000 |
| King County Washington | 4 | $ 932,000 | $ 233,000 | $ 691,000 |
| La Paz County Arizona | 3 | $ 439,000 | $ 146,000 | $ 118,000 |
| Santa Clara County California | 3 | $ 1,157,000 | $ 385,000 | $ 191,000 |
| Solano County California | 3 | $ 589,000 | $ 196,000 | $ 83,000 |
| Moffat County Colorado | 3 | $ 464,000 | $ 154,000 | $ 88,000 |
| Saguache County Colorado | 3 | $ 361,000 | $ 120,000 | $ 67,000 |
| Miami-Dade County Florida | 3 | $ 468,000 | $ 156,000 | $ 369,000 |
| Pinellas County Florida | 3 | $ 357,000 | $ 119,000 | $ 48,000 |
| Butte County Idaho | 3 | $ 353,000 | $ 117,000 | $ 61,000 |
| Clark County Idaho | 3 | $ 324,000 | $ 108,000 | $ 39,000 |
| Lemhi County Idaho | 3 | $ 372,000 | $ 124,000 | $ 54,000 |
| Hamilton County Indiana | 3 | $ 548,000 | $ 182,000 | $ 55,000 |
| Frederick County Maryland | 3 | $ 809,000 | $ 269,000 | $ 76,000 |
| Humboldt County Nevada | 3 | $ 259,000 | $ 86,000 | $ 69,000 |
| Multnomah County Oregon | 3 | $ 815,000 | $ 271,000 | $ 160,000 |
| Washington County Oregon | 3 | $ 749,000 | $ 249,000 | $ 197,000 |
| Chester County Pennsylvania | 3 | $ 490,000 | $ 163,000 | $ 76,000 |
| Graham County Arizona | 2 | $ 160,000 | $ 80,000 | $ 49,000 |
| Butte County California | 2 | $ 928,000 | $ 464,000 | $ 162,000 |
| El Dorado County California | 2 | $ 428,000 | $ 214,000 | $ 58,000 |
| Santa Barbara County California | 2 | $ 750,000 | $ 375,000 | $ 110,000 |
| Shasta County California | 2 | $ 575,000 | $ 287,000 | $ 121,000 |
| Sutter County California | 2 | $ 155,000 | $ 77,000 | $ 31,000 |
| Ventura County California | 2 | $ 801,000 | $ 400,000 | $ 985,000 |
| Yolo County California | 2 | $ 605,000 | $ 302,000 | $ 75,000 |
| Custer County Colorado | 2 | $ 940,000 | $ 470,000 | $ 214,000 |
| Delta County Colorado | 2 | $ 465,000 | $ 232,000 | $ 142,000 |
| Dolores County Colorado | 2 | $ 113,000 | $ 56,000 | $ 44,000 |
| Park County Colorado | 2 | $ 781,000 | $ 390,000 | $ 179,000 |
| Rio Grande County Colorado | 2 | $ 323,000 | $ 161,000 | $ 69,000 |
| Broward County Florida | 2 | $ 600,000 | $ 300,000 | $ 260,000 |
| St. Johns County Florida | 2 | $ 554,000 | $ 277,000 | $ 126,000 |
| Adams County Idaho | 2 | $ 189,000 | $ 94,000 | $ 46,000 |
| Benewah County Idaho | 2 | $ 182,000 | $ 91,000 | $ 61,000 |
| Camas County Idaho | 2 | $ 92,000 | $ 46,000 | $ 35,000 |
| Cook County Illinois | 2 | $ 288,000 | $ 144,000 | $ 62,000 |
| Lake County Illinois | 2 | $ 313,000 | $ 156,000 | $ 41,000 |
| Orleans County Louisiana | 2 | $ 220,000 | $ 110,000 | $ 35,000 |
| Montgomery County Maryland | 2 | $ 724,000 | $ 362,000 | $ 168,000 |
| Macomb County Michigan | 2 | $ 918,000 | $ 459,000 | $ 297,000 |
| Washtenaw County Michigan | 2 | $ 1,180,000 | $ 590,000 | $ 226,000 |
| Scott County Minnesota | 2 | $ 453,000 | $ 226,000 | $ 86,000 |
| Gallatin County Montana | 2 | $ 293,000 | $ 146,000 | $ 84,000 |
| Churchill County Nevada | 2 | $ 150,000 | $ 75,000 | $ 43,000 |
| Storey County Nevada | 2 | $ 293,000 | $ 146,000 | $ 53,000 |
| Hunterdon County New Jersey | 2 | $ 533,000 | $ 266,000 | $ 106,000 |
| Somerset County New Jersey | 2 | $ 807,000 | $ 403,000 | $ 159,000 |
| Baker County Oregon | 2 | $ 99,000 | $ 49,000 | $ 41,000 |
| Fairfax County Virginia | 2 | $ 1,072,000 | $ 536,000 | $ 121,000 |
| Garfield County Washington | 2 | $ 274,000 | $ 137,000 | $ 125,000 |
| Kitsap County Washington | 2 | $ 712,000 | $ 356,000 | $ 295,000 |
| Sweetwater County Wyoming | 2 | $ 108,000 | $ 54,000 | $ 23,000 |
| Teton County Wyoming | 2 | $ 1,200,000 | $ 600,000 | $ 141,000 |
| Baldwin County Alabama | 1 | $ 168,000 | $ 168,000 | $ 125,000 |
| Mobile County Alabama | 1 | $ 200,000 | $ 200,000 | $ 76,000 |
| Tuscaloosa County Alabama | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Kings County California | 1 | $ 110,000 | $ 110,000 | $ 36,000 |
| Lassen County California | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Merced County California | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Nevada County California | 1 | $ 500,000 | $ 500,000 | $ 639,000 |
| San Luis Obispo County California | 1 | $ 322,000 | $ 322,000 | $ 53,000 |
| Santa Cruz County California | 1 | $ 192,000 | $ 192,000 | $ 71,000 |
| Siskiyou County California | 1 | $ 178,000 | $ 178,000 | $ 58,000 |
| Sonoma County California | 1 | $ 128,000 | $ 128,000 | $ 78,000 |
| Stanislaus County California | 1 | $ 89,000 | $ 89,000 | $ 40,000 |
| Conejos County Colorado | 1 | $ 33,000 | $ 33,000 | $ 105,000 |
| Costilla County Colorado | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Fremont County Colorado | 1 | $ 252,000 | $ 252,000 | $ 96,000 |
| Gilpin County Colorado | 1 | $ 306,000 | $ 306,000 | $ 55,000 |
| Grand County Colorado | 1 | $ 301,000 | $ 301,000 | $ 617,000 |
| Gunnison County Colorado | 1 | $ 1,500,000 | $ 1,500,000 | $ 960,000 |
| Hinsdale County Colorado | 1 | $ 33,000 | $ 33,000 | $ 52,000 |
| Jackson County Colorado | 1 | $ 71,000 | $ 71,000 | $ 90,000 |
| Lake County Colorado | 1 | $ 151,000 | $ 151,000 | $ 51,000 |
| Ouray County Colorado | 1 | $ 281,000 | $ 281,000 | $ 53,000 |
| Rio Blanco County Colorado | 1 | $ 51,000 | $ 51,000 | $ 58,000 |
| Clay County Florida | 1 | $ 122,000 | $ 122,000 | $ 57,000 |
| Collier County Florida | 1 | $ 81,000 | $ 81,000 | $ 159,000 |
| Pasco County Florida | 1 | $ 166,000 | $ 166,000 | $ 75,000 |
| Walton County Georgia | 1 | $ 300,000 | $ 300,000 | $ 207,000 |
| McHenry County Illinois | 1 | $ 206,000 | $ 206,000 | $ 250,000 |
| Winnebago County Illinois | 1 | $ 164,000 | $ 164,000 | $ 126,000 |
| Bossier County Louisiana | 1 | $ 298,000 | $ 298,000 | $ 142,000 |
| St. Tammany County Louisiana | 1 | $ 212,000 | $ 212,000 | $ 59,000 |
| Anne Arundel County Maryland | 1 | $ 240,000 | $ 240,000 | $ 14,000 |
| Carroll County Maryland | 1 | $ 86,000 | $ 86,000 | $ 107,000 |
| Howard County Maryland | 1 | $ 400,000 | $ 400,000 | $ 132,000 |
| Washington County Maryland | 1 | $ 194,000 | $ 194,000 | $ 66,000 |
| Ingham County Michigan | 1 | $ 118,000 | $ 118,000 | $ 134,000 |
| Greene County Missouri | 1 | $ 102,000 | $ 102,000 | $ 74,000 |
| Jasper County Missouri | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Silver Bow County Montana | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Atlantic County New Jersey | 1 | $ 210,000 | $ 210,000 | $ 70,000 |
| Mercer County New Jersey | 1 | $ 256,000 | $ 256,000 | $ 95,000 |
| Morris County New Jersey | 1 | $ 482,000 | $ 482,000 | $ 125,000 |
| Sussex County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 121,000 |
| Bernalillo County New Mexico | 1 | $ 232,000 | $ 232,000 | $ 74,000 |
| Lincoln County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Santa Fe County New Mexico | 1 | $ 412,000 | $ 412,000 | $ 133,000 |
| Dutchess County New York | 1 | $ 300,000 | $ 300,000 | $ 87,000 |
| Orange County New York | 1 | $ 256,000 | $ 256,000 | $ 105,000 |
| Catawba County North Carolina | 1 | $ 199,000 | $ 199,000 | $ 67,000 |
| Mecklenburg County North Carolina | 1 | $ 180,000 | $ 180,000 | $ 80,000 |
| Pitt County North Carolina | 1 | $ 1,000 | $ 1,000 | $ 16,000 |
| Wake County North Carolina | 1 | $ 208,000 | $ 208,000 | $ 102,000 |
| Watauga County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 58,000 |
| Franklin County Ohio | 1 | $ 146,000 | $ 146,000 | $ 37,000 |
| Wayne County Ohio | 1 | $ 161,000 | $ 161,000 | $ 59,000 |
| Douglas County Oregon | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Jackson County Oregon | 1 | $ 275,000 | $ 275,000 | $ 163,000 |
| Polk County Oregon | 1 | $ 137,000 | $ 137,000 | $ 53,000 |
| Bucks County Pennsylvania | 1 | $ 191,000 | $ 191,000 | $ 115,000 |
| Montgomery County Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Northampton County Pennsylvania | 1 | $ 379,000 | $ 379,000 | $ 166,000 |
| Hardeman County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Bandera County Texas | 1 | $ 132,000 | $ 132,000 | $ 103,000 |
| Bexar County Texas | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Collin County Texas | 1 | $ 152,000 | $ 152,000 | $ 139,000 |
| Fort Bend County Texas | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Guadalupe County Texas | 1 | $ 110,000 | $ 110,000 | $ 29,000 |
| Potter County Texas | 1 | $ 100,000 | $ 100,000 | $ 176,000 |
| Travis County Texas | 1 | $ 126,000 | $ 126,000 | $ 92,000 |
| New Kent County Virginia | 1 | $ 127,000 | $ 127,000 | $ 47,000 |
| Virginia Beach County Virginia | 1 | $ 158,000 | $ 158,000 | $ 73,000 |
| Westmoreland County Virginia | 1 | $ 87,000 | $ 87,000 | $ 114,000 |
| Clark County Washington | 1 | $ 200,000 | $ 200,000 | $ 144,000 |
| San Juan County Washington | 1 | $ 323,000 | $ 323,000 | $ 152,000 |
| Snohomish County Washington | 1 | $ 525,000 | $ 525,000 | $ 46,000 |
| Sublette County Wyoming | 1 | $ 200,000 | $ 200,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Zions First National Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 10,558 | $1,400,935,000 | $181,181 | $6,300,000 | $93,318 | $4,193,000 |
| Home Purchase (one-to-four family) | 3,486 | $680,075,000 | $222,464 | $6,500,000 | $109,035 | $5,593,000 |
| Home Improvement (one-to-four family) | 1,254 | $51,304,000 | $59,076 | $500,000 | $74,384 | $738,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 8 | $3,154,000 | $398,000 | $1,015,000 | $0 | $0 |
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 | 12,704 | $1,686,004,000 | $198,357 | $6,500,000 | $107,785 | $4,385,000 |
| Information not provided by applicant in mail or telephone application | 1,607 | $312,068,000 | $210,807 | $2,000,000 | $95,076 | $3,081,000 |
| Hispanic | 469 | $53,210,000 | $163,666 | $1,285,000 | $157,750 | $1,692,000 |
| Asian or Pacific Islander | 281 | $46,865,000 | $262,800 | $845,000 | $112,866 | $5,593,000 |
| Other | 94 | $13,445,000 | $229,700 | $987,000 | $99,100 | $612,000 |
| American Indian or Alaskan Native | 83 | $7,131,000 | $129,125 | $472,000 | $73,125 | $444,000 |
| Black | 62 | $16,158,000 | $344,000 | $5,100,000 | $165,000 | $2,393,000 |
| Not applicable | 6 | $587,000 | $97,000 | $130,000 | $17,000 | $86,000 |
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) | 15,128 | $2,115,614,000 | $207,600 | $6,500,000 | $104,100 | $5,593,000 |
| FHA-insured (Federal Housing Administration) | 133 | $14,154,000 | $101,250 | $251,000 | $43,750 | $221,000 |
| VA-guaranteed (Veterans Administration) | 27 | $3,815,000 | $114,666 | $240,000 | $46,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,885,000 | $96,500 | $163,000 | $36,000 | $99,000 |
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 | 8,706 | $1,048,807,000 | $244,684 | $6,500,000 | $142,789 | $4,385,000 |
| Application Denied By Financial Institution | 2,607 | $290,018,000 | $170,850 | $2,000,000 | $77,650 | $2,400,000 |
| Application Approved But Not Accepted | 2,277 | $334,277,000 | $222,315 | $6,300,000 | $100,894 | $5,593,000 |
| Loan Purchased By The Institution | 1,593 | $445,338,000 | $260,640 | $2,000,000 | $117,080 | $3,081,000 |
| Application Withdrawn By Applicant | 86 | $11,756,000 | $217,400 | $950,000 | $45,000 | $368,000 |
| File Closed For Incompleteness | 37 | $5,272,000 | $155,900 | $435,000 | $87,000 | $144,000 |
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 | 1,485 | $131,760,000 | $106,866 | $925,000 | $69,733 | $2,393,000 |
| Collateral | 458 | $58,212,000 | $174,600 | $1,285,000 | $100,300 | $1,223,000 |
| Debt-To-Income Ratio | 452 | $62,384,000 | $136,666 | $1,750,000 | $42,888 | $2,400,000 |
| Other | 88 | $15,996,000 | $236,285 | $2,000,000 | $75,000 | $618,000 |
| Unverifiable Information | 59 | $7,038,000 | $134,400 | $557,000 | $39,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 33 | $6,801,000 | $184,250 | $1,155,000 | $64,750 | $663,000 |
| Employment History | 17 | $1,968,000 | $102,000 | $300,000 | $43,000 | $140,000 |
| Credit Application Incomplete | 15 | $5,859,000 | $615,166 | $2,000,000 | $207,500 | $967,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions First National Bank's 2003 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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with aggregated HMDA statistics today.