Zions First National Bank Mortgage Lending & HMDA Data, 2003
In 2003, Zions First National Bank of Salt Lake City, UT reported 15,306 mortgage applications totaling $2.1 billion. The average application was for $139,518, and applicants reported an average income of $84,898. 57% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Salt Lake City-Ogden, UT (3,550), Provo-Orem, UT (1,080) and Las Vegas, NV-AZ (744) (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 | 15,306 |
| Total Mortgage Loan Application Amount | $2,135,468,000 |
| Average Mortgage Loan Application Amount | $139,518 |
| Highest Mortgage Loan Application Amount | $6,500,000 |
| Average Applicant Income | $84,898 |
| Highest Applicant Income | $5,593,000 |
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records Zions First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 2,502 | $ 337,489,000 | $ 134,887 | $ 84,000 |
| Utah, Utah | 1,080 | $ 139,657,000 | $ 129,312 | $ 95,000 |
| Washington, Utah | 921 | $ 106,444,000 | $ 115,574 | $ 78,000 |
| Cache, Utah | 790 | $ 88,836,000 | $ 112,450 | $ 56,000 |
| Davis, Utah | 699 | $ 106,252,000 | $ 152,005 | $ 101,000 |
| Clark, Nevada | 674 | $ 113,088,000 | $ 167,786 | $ 81,000 |
| Weber, Utah | 356 | $ 44,896,000 | $ 126,112 | $ 82,000 |
| Bonneville, Idaho | 339 | $ 34,862,000 | $ 102,837 | $ 87,000 |
| Millard, Utah | 309 | $ 21,644,000 | $ 70,045 | $ 47,000 |
| Sevier, Utah | 274 | $ 20,418,000 | $ 74,518 | $ 48,000 |
| Bannock, Idaho | 272 | $ 21,020,000 | $ 77,279 | $ 66,000 |
| Iron, Utah | 261 | $ 29,936,000 | $ 114,697 | $ 76,000 |
| Uintah, Utah | 255 | $ 18,630,000 | $ 73,058 | $ 53,000 |
| Box Elder, Utah | 245 | $ 22,154,000 | $ 90,424 | $ 55,000 |
| Summit, Utah | 245 | $ 66,986,000 | $ 273,412 | $ 349,000 |
| Sanpete, Utah | 230 | $ 18,110,000 | $ 78,739 | $ 62,000 |
| Maricopa, Arizona | 213 | $ 85,645,000 | $ 402,089 | $ 158,000 |
| Wasatch, Utah | 203 | $ 31,506,000 | $ 155,201 | $ 125,000 |
| Bingham, Idaho | 200 | $ 17,817,000 | $ 89,085 | $ 65,000 |
| Ada, Idaho | 194 | $ 25,942,000 | $ 133,721 | $ 79,000 |
| Duchesne, Utah | 194 | $ 10,579,000 | $ 54,530 | $ 48,000 |
| Jefferson, Idaho | 187 | $ 17,805,000 | $ 95,213 | $ 80,000 |
| Nez Perce, Idaho | 174 | $ 14,668,000 | $ 84,298 | $ 51,000 |
| Washoe, Nevada | 169 | $ 31,576,000 | $ 186,840 | $ 97,000 |
| Twin Falls, Idaho | 147 | $ 15,368,000 | $ 104,544 | $ 69,000 |
| Emery, Utah | 144 | $ 8,071,000 | $ 56,048 | $ 52,000 |
| San Juan, Utah | 141 | $ 9,749,000 | $ 69,141 | $ 56,000 |
| Bear Lake, Idaho | 139 | $ 9,519,000 | $ 68,482 | $ 50,000 |
| Carbon, Utah | 136 | $ 8,368,000 | $ 61,529 | $ 54,000 |
| Latah, Idaho | 129 | $ 15,018,000 | $ 116,418 | $ 64,000 |
| Grand, Utah | 114 | $ 11,898,000 | $ 104,368 | $ 59,000 |
| Madison, Idaho | 111 | $ 12,444,000 | $ 112,108 | $ 63,000 |
| Kane, Utah | 111 | $ 11,099,000 | $ 99,990 | $ 77,000 |
| Routt, Colorado | 108 | $ 37,799,000 | $ 349,990 | $ 265,000 |
| Cassia, Idaho | 104 | $ 7,588,000 | $ 72,961 | $ 55,000 |
| Tooele, Utah | 99 | $ 9,779,000 | $ 98,777 | $ 53,000 |
| Washington, Idaho | 96 | $ 6,158,000 | $ 64,145 | $ 55,000 |
| Yavapai, Arizona | 92 | $ 19,906,000 | $ 216,369 | $ 95,000 |
| Garfield, Utah | 87 | $ 5,717,000 | $ 65,712 | $ 59,000 |
| Yuma, Arizona | 73 | $ 11,338,000 | $ 155,315 | $ 74,000 |
| Canyon, Idaho | 72 | $ 7,411,000 | $ 102,930 | $ 50,000 |
| Nye, Nevada | 70 | $ 5,986,000 | $ 85,514 | $ 43,000 |
| La Plata, Colorado | 68 | $ 20,437,000 | $ 300,544 | $ 133,000 |
| Manatee, Florida | 67 | $ 10,838,000 | $ 161,761 | $ 95,000 |
| San Diego, California | 63 | $ 27,890,000 | $ 442,698 | $ 210,000 |
| Orange, California | 61 | $ 26,497,000 | $ 434,377 | $ 222,000 |
| Coconino, Arizona | 58 | $ 11,771,000 | $ 202,948 | $ 76,000 |
| Boundary, Idaho | 56 | $ 3,661,000 | $ 65,375 | $ 41,000 |
| Minidoka, Idaho | 56 | $ 3,413,000 | $ 60,946 | $ 48,000 |
| Franklin, Idaho | 53 | $ 5,408,000 | $ 102,037 | $ 56,000 |
| Pima, Arizona | 51 | $ 14,708,000 | $ 288,392 | $ 125,000 |
| Denver, Colorado | 50 | $ 9,982,000 | $ 199,640 | $ 78,000 |
| Rich, Utah | 50 | $ 3,864,000 | $ 77,280 | $ 89,000 |
| Payette, Idaho | 49 | $ 3,484,000 | $ 71,102 | $ 47,000 |
| Asotin, Washington | 48 | $ 3,796,000 | $ 79,083 | $ 53,000 |
| El Paso, Colorado | 41 | $ 14,865,000 | $ 362,560 | $ 104,000 |
| Fremont, Idaho | 40 | $ 4,809,000 | $ 120,225 | $ 107,000 |
| Los Angeles, California | 39 | $ 10,733,000 | $ 275,205 | $ 159,000 |
| Lyon, Nevada | 39 | $ 4,841,000 | $ 124,128 | $ 70,000 |
| Juab, Utah | 39 | $ 3,080,000 | $ 78,974 | $ 62,000 |
| Gooding, Idaho | 34 | $ 2,161,000 | $ 63,558 | $ 44,000 |
| Fresno, California | 33 | $ 10,557,000 | $ 319,909 | $ 173,000 |
| Jerome, Idaho | 32 | $ 2,251,000 | $ 70,343 | $ 53,000 |
| Cochise, Arizona | 31 | $ 5,559,000 | $ 179,322 | $ 70,000 |
| Gila, Arizona | 29 | $ 5,849,000 | $ 201,689 | $ 92,000 |
| Alameda, California | 28 | $ 11,572,000 | $ 413,285 | $ 176,000 |
| Lee, Florida | 28 | $ 7,793,000 | $ 278,321 | $ 138,000 |
| Hennepin, Minnesota | 27 | $ 5,587,000 | $ 206,925 | $ 65,000 |
| Beaver, Utah | 26 | $ 2,145,000 | $ 82,500 | $ 52,000 |
| Oakland, Michigan | 25 | $ 8,670,000 | $ 346,800 | $ 147,000 |
| Riverside, California | 24 | $ 8,269,000 | $ 344,541 | $ 315,000 |
| Jefferson, Colorado | 24 | $ 4,781,000 | $ 199,208 | $ 118,000 |
| Anoka, Minnesota | 23 | $ 4,043,000 | $ 175,782 | $ 78,000 |
| Loudoun, Virginia | 22 | $ 8,020,000 | $ 364,545 | $ 123,000 |
| Dakota, Minnesota | 21 | $ 4,326,000 | $ 206,000 | $ 66,000 |
| Pitkin, Colorado | 20 | $ 10,646,000 | $ 532,300 | $ 221,000 |
| Caribou, Idaho | 20 | $ 1,337,000 | $ 66,850 | $ 66,000 |
| Piute, Utah | 20 | $ 1,296,000 | $ 64,800 | $ 44,000 |
| Tulare, California | 19 | $ 3,804,000 | $ 200,210 | $ 99,000 |
| Teller, Colorado | 19 | $ 4,555,000 | $ 239,736 | $ 106,000 |
| Wayne, Utah | 19 | $ 1,403,000 | $ 73,842 | $ 53,000 |
| Douglas, Colorado | 17 | $ 9,022,000 | $ 530,705 | $ 147,000 |
| Elko, Nevada | 17 | $ 1,527,000 | $ 89,823 | $ 52,000 |
| Contra Costa, California | 16 | $ 6,679,000 | $ 417,437 | $ 230,000 |
| Lincoln, Wyoming | 16 | $ 1,028,000 | $ 64,250 | $ 52,000 |
| Sacramento, California | 15 | $ 3,656,000 | $ 243,733 | $ 96,000 |
| Uinta, Wyoming | 15 | $ 4,821,000 | $ 321,400 | $ 153,000 |
| Mohave, Arizona | 14 | $ 2,174,000 | $ 155,285 | $ 88,000 |
| Owyhee, Idaho | 14 | $ 917,000 | $ 65,500 | $ 45,000 |
| Carson City, Nevada | 14 | $ 2,111,000 | $ 150,785 | $ 52,000 |
| Navajo, Arizona | 13 | $ 1,379,000 | $ 106,076 | $ 62,000 |
| Pinal, Arizona | 13 | $ 2,582,000 | $ 198,615 | $ 73,000 |
| Boulder, Colorado | 13 | $ 3,135,000 | $ 241,153 | $ 119,000 |
| Charlotte, Florida | 13 | $ 2,542,000 | $ 195,538 | $ 137,000 |
| Oneida, Idaho | 13 | $ 976,000 | $ 75,076 | $ 57,000 |
| Douglas, Nevada | 13 | $ 3,002,000 | $ 230,923 | $ 83,000 |
| Morgan, Utah | 13 | $ 2,499,000 | $ 192,230 | $ 151,000 |
| Adams, Colorado | 12 | $ 2,387,000 | $ 198,916 | $ 58,000 |
| Arapahoe, Colorado | 12 | $ 4,507,000 | $ 375,583 | $ 113,000 |
| San Miguel, Colorado | 12 | $ 9,410,000 | $ 784,166 | $ 370,000 |
| Hillsborough, Florida | 12 | $ 1,741,000 | $ 145,083 | $ 88,000 |
| Monmouth, New Jersey | 12 | $ 4,768,000 | $ 397,333 | $ 178,000 |
| Whitman, Washington | 12 | $ 1,267,000 | $ 105,583 | $ 56,000 |
| Lincoln, Idaho | 11 | $ 692,000 | $ 62,909 | $ 42,000 |
| Lincoln, Nevada | 11 | $ 848,000 | $ 77,090 | $ 73,000 |
| Eagle, Colorado | 10 | $ 2,923,000 | $ 292,300 | $ 106,000 |
| Montezuma, Colorado | 10 | $ 1,034,000 | $ 103,400 | $ 70,000 |
| Kootenai, Idaho | 10 | $ 1,824,000 | $ 182,400 | $ 109,000 |
| Power, Idaho | 10 | $ 659,000 | $ 65,900 | $ 38,000 |
| Middlesex, New Jersey | 10 | $ 3,411,000 | $ 341,100 | $ 162,000 |
| Daggett, Utah | 10 | $ 938,000 | $ 93,800 | $ 74,000 |
| Larimer, Colorado | 9 | $ 1,637,000 | $ 181,888 | $ 83,000 |
| Mesa, Colorado | 9 | $ 1,181,000 | $ 131,222 | $ 51,000 |
| Elmore, Idaho | 9 | $ 583,000 | $ 64,777 | $ 57,000 |
| Ocean, New Jersey | 9 | $ 891,000 | $ 99,000 | $ 103,000 |
| Kern, California | 8 | $ 1,035,000 | $ 129,375 | $ 153,000 |
| Garfield, Colorado | 8 | $ 3,095,000 | $ 386,875 | $ 129,000 |
| Sarasota, Florida | 8 | $ 1,229,000 | $ 153,625 | $ 74,000 |
| Clearwater, Idaho | 8 | $ 462,000 | $ 57,750 | $ 63,000 |
| Lewis, Idaho | 8 | $ 579,000 | $ 72,375 | $ 39,000 |
| Valley, Idaho | 8 | $ 1,550,000 | $ 193,750 | $ 106,000 |
| Prince William, Virginia | 8 | $ 2,696,000 | $ 337,000 | $ 143,000 |
| Monterey, California | 7 | $ 2,506,000 | $ 358,000 | $ 175,000 |
| San Mateo, California | 7 | $ 13,549,000 | $ 1,935,571 | $ 1,023,000 |
| Montrose, Colorado | 7 | $ 1,267,000 | $ 181,000 | $ 86,000 |
| Pueblo, Colorado | 7 | $ 832,000 | $ 118,857 | $ 62,000 |
| Weld, Colorado | 7 | $ 1,178,000 | $ 168,285 | $ 84,000 |
| Duval, Florida | 7 | $ 877,000 | $ 125,285 | $ 65,000 |
| Blaine, Idaho | 7 | $ 1,163,000 | $ 166,142 | $ 158,000 |
| Bonner, Idaho | 7 | $ 857,000 | $ 122,428 | $ 72,000 |
| Gem, Idaho | 7 | $ 987,000 | $ 141,000 | $ 70,000 |
| Ramsey, Minnesota | 7 | $ 1,085,000 | $ 155,000 | $ 57,000 |
| Malheur, Oregon | 7 | $ 528,000 | $ 75,428 | $ 47,000 |
| Apache, Arizona | 6 | $ 1,117,000 | $ 186,166 | $ 213,000 |
| Archuleta, Colorado | 6 | $ 2,079,000 | $ 346,500 | $ 131,000 |
| Summit, Colorado | 6 | $ 1,375,000 | $ 229,166 | $ 191,000 |
| Palm Beach, Florida | 6 | $ 1,568,000 | $ 261,333 | $ 136,000 |
| Boise, Idaho | 6 | $ 829,000 | $ 138,166 | $ 92,000 |
| Kane, Illinois | 6 | $ 941,000 | $ 156,833 | $ 58,000 |
| Harris, Texas | 6 | $ 1,382,000 | $ 230,333 | $ 262,000 |
| York, Virginia | 6 | $ 637,000 | $ 106,166 | $ 95,000 |
| Marin, California | 5 | $ 2,567,000 | $ 513,400 | $ 155,000 |
| Custer, Idaho | 5 | $ 1,023,000 | $ 204,600 | $ 73,000 |
| Idaho, Idaho | 5 | $ 241,000 | $ 48,200 | $ 58,000 |
| Will, Illinois | 5 | $ 696,000 | $ 139,200 | $ 85,000 |
| Wayne, Michigan | 5 | $ 1,807,000 | $ 361,400 | $ 277,000 |
| Carver, Minnesota | 5 | $ 1,056,000 | $ 211,200 | $ 75,000 |
| Olmsted, Minnesota | 5 | $ 604,000 | $ 120,800 | $ 59,000 |
| Lincoln, Montana | 5 | $ 247,000 | $ 49,400 | $ 33,000 |
| White Pine, Nevada | 5 | $ 628,000 | $ 125,600 | $ 37,000 |
| San Juan, New Mexico | 5 | $ 987,000 | $ 197,400 | $ 103,000 |
| Santa Cruz, Arizona | 4 | $ 936,000 | $ 234,000 | $ 108,000 |
| Madera, California | 4 | $ 1,037,000 | $ 259,250 | $ 127,000 |
| Placer, California | 4 | $ 1,157,000 | $ 289,250 | $ 87,000 |
| San Bernardino, California | 4 | $ 770,000 | $ 192,500 | $ 220,000 |
| San Francisco, California | 4 | $ 1,222,000 | $ 305,500 | $ 97,000 |
| Alamosa, Colorado | 4 | $ 712,000 | $ 178,000 | $ 77,000 |
| Teton, Idaho | 4 | $ 492,000 | $ 123,000 | $ 129,000 |
| Delaware, Ohio | 4 | $ 934,000 | $ 233,500 | $ 90,000 |
| Clackamas, Oregon | 4 | $ 842,000 | $ 210,500 | $ 67,000 |
| James City, Virginia | 4 | $ 901,000 | $ 225,250 | $ 43,000 |
| Benton, Washington | 4 | $ 810,000 | $ 202,500 | $ 160,000 |
| King, Washington | 4 | $ 932,000 | $ 233,000 | $ 691,000 |
| La Paz, Arizona | 3 | $ 439,000 | $ 146,333 | $ 118,000 |
| Santa Clara, California | 3 | $ 1,157,000 | $ 385,666 | $ 191,000 |
| Solano, California | 3 | $ 589,000 | $ 196,333 | $ 83,000 |
| Moffat, Colorado | 3 | $ 464,000 | $ 154,666 | $ 88,000 |
| Saguache, Colorado | 3 | $ 361,000 | $ 120,333 | $ 67,000 |
| Miami-Dade, Florida | 3 | $ 468,000 | $ 156,000 | $ 369,000 |
| Pinellas, Florida | 3 | $ 357,000 | $ 119,000 | $ 48,000 |
| Butte, Idaho | 3 | $ 353,000 | $ 117,666 | $ 61,000 |
| Clark, Idaho | 3 | $ 324,000 | $ 108,000 | $ 39,000 |
| Lemhi, Idaho | 3 | $ 372,000 | $ 124,000 | $ 54,000 |
| Hamilton, Indiana | 3 | $ 548,000 | $ 182,666 | $ 55,000 |
| Frederick, Maryland | 3 | $ 809,000 | $ 269,666 | $ 76,000 |
| Humboldt, Nevada | 3 | $ 259,000 | $ 86,333 | $ 69,000 |
| Multnomah, Oregon | 3 | $ 815,000 | $ 271,666 | $ 160,000 |
| Washington, Oregon | 3 | $ 749,000 | $ 249,666 | $ 197,000 |
| Chester, Pennsylvania | 3 | $ 490,000 | $ 163,333 | $ 76,000 |
| Graham, Arizona | 2 | $ 160,000 | $ 80,000 | $ 49,000 |
| Butte, California | 2 | $ 928,000 | $ 464,000 | $ 162,000 |
| El Dorado, California | 2 | $ 428,000 | $ 214,000 | $ 58,000 |
| Santa Barbara, California | 2 | $ 750,000 | $ 375,000 | $ 110,000 |
| Shasta, California | 2 | $ 575,000 | $ 287,500 | $ 121,000 |
| Sutter, California | 2 | $ 155,000 | $ 77,500 | $ 31,000 |
| Ventura, California | 2 | $ 801,000 | $ 400,500 | $ 985,000 |
| Yolo, California | 2 | $ 605,000 | $ 302,500 | $ 75,000 |
| Custer, Colorado | 2 | $ 940,000 | $ 470,000 | $ 214,000 |
| Delta, Colorado | 2 | $ 465,000 | $ 232,500 | $ 142,000 |
| Dolores, Colorado | 2 | $ 113,000 | $ 56,500 | $ 44,000 |
| Park, Colorado | 2 | $ 781,000 | $ 390,500 | $ 179,000 |
| Rio Grande, Colorado | 2 | $ 323,000 | $ 161,500 | $ 69,000 |
| Broward, Florida | 2 | $ 600,000 | $ 300,000 | $ 260,000 |
| St. Johns, Florida | 2 | $ 554,000 | $ 277,000 | $ 126,000 |
| Adams, Idaho | 2 | $ 189,000 | $ 94,500 | $ 46,000 |
| Benewah, Idaho | 2 | $ 182,000 | $ 91,000 | $ 61,000 |
| Camas, Idaho | 2 | $ 92,000 | $ 46,000 | $ 35,000 |
| Cook, Illinois | 2 | $ 288,000 | $ 144,000 | $ 62,000 |
| Lake, Illinois | 2 | $ 313,000 | $ 156,500 | $ 41,000 |
| Orleans, Louisiana | 2 | $ 220,000 | $ 110,000 | $ 35,000 |
| Montgomery, Maryland | 2 | $ 724,000 | $ 362,000 | $ 168,000 |
| Macomb, Michigan | 2 | $ 918,000 | $ 459,000 | $ 297,000 |
| Washtenaw, Michigan | 2 | $ 1,180,000 | $ 590,000 | $ 226,000 |
| Scott, Minnesota | 2 | $ 453,000 | $ 226,500 | $ 86,000 |
| Gallatin, Montana | 2 | $ 293,000 | $ 146,500 | $ 84,000 |
| Churchill, Nevada | 2 | $ 150,000 | $ 75,000 | $ 43,000 |
| Storey, Nevada | 2 | $ 293,000 | $ 146,500 | $ 53,000 |
| Hunterdon, New Jersey | 2 | $ 533,000 | $ 266,500 | $ 106,000 |
| Somerset, New Jersey | 2 | $ 807,000 | $ 403,500 | $ 159,000 |
| Baker, Oregon | 2 | $ 99,000 | $ 49,500 | $ 41,000 |
| Fairfax, Virginia | 2 | $ 1,072,000 | $ 536,000 | $ 121,000 |
| Garfield, Washington | 2 | $ 274,000 | $ 137,000 | $ 125,000 |
| Kitsap, Washington | 2 | $ 712,000 | $ 356,000 | $ 295,000 |
| Sweetwater, Wyoming | 2 | $ 108,000 | $ 54,000 | $ 23,000 |
| Teton, Wyoming | 2 | $ 1,200,000 | $ 600,000 | $ 141,000 |
| Baldwin, Alabama | 1 | $ 168,000 | $ 168,000 | $ 125,000 |
| Mobile, Alabama | 1 | $ 200,000 | $ 200,000 | $ 76,000 |
| Tuscaloosa, Alabama | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Kings, California | 1 | $ 110,000 | $ 110,000 | $ 36,000 |
| Lassen, California | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Merced, California | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Nevada, California | 1 | $ 500,000 | $ 500,000 | $ 639,000 |
| San Luis Obispo, California | 1 | $ 322,000 | $ 322,000 | $ 53,000 |
| Santa Cruz, California | 1 | $ 192,000 | $ 192,000 | $ 71,000 |
| Siskiyou, California | 1 | $ 178,000 | $ 178,000 | $ 58,000 |
| Sonoma, California | 1 | $ 128,000 | $ 128,000 | $ 78,000 |
| Stanislaus, California | 1 | $ 89,000 | $ 89,000 | $ 40,000 |
| Conejos, Colorado | 1 | $ 33,000 | $ 33,000 | $ 105,000 |
| Costilla, Colorado | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Fremont, Colorado | 1 | $ 252,000 | $ 252,000 | $ 96,000 |
| Gilpin, Colorado | 1 | $ 306,000 | $ 306,000 | $ 55,000 |
| Grand, Colorado | 1 | $ 301,000 | $ 301,000 | $ 617,000 |
| Gunnison, Colorado | 1 | $ 1,500,000 | $ 1,500,000 | $ 960,000 |
| Hinsdale, Colorado | 1 | $ 33,000 | $ 33,000 | $ 52,000 |
| Jackson, Colorado | 1 | $ 71,000 | $ 71,000 | $ 90,000 |
| Lake, Colorado | 1 | $ 151,000 | $ 151,000 | $ 51,000 |
| Ouray, Colorado | 1 | $ 281,000 | $ 281,000 | $ 53,000 |
| Rio Blanco, Colorado | 1 | $ 51,000 | $ 51,000 | $ 58,000 |
| Clay, Florida | 1 | $ 122,000 | $ 122,000 | $ 57,000 |
| Collier, Florida | 1 | $ 81,000 | $ 81,000 | $ 159,000 |
| Pasco, Florida | 1 | $ 166,000 | $ 166,000 | $ 75,000 |
| Walton, Georgia | 1 | $ 300,000 | $ 300,000 | $ 207,000 |
| McHenry, Illinois | 1 | $ 206,000 | $ 206,000 | $ 250,000 |
| Winnebago, Illinois | 1 | $ 164,000 | $ 164,000 | $ 126,000 |
| Bossier, Louisiana | 1 | $ 298,000 | $ 298,000 | $ 142,000 |
| St. Tammany, Louisiana | 1 | $ 212,000 | $ 212,000 | $ 59,000 |
| Anne Arundel, Maryland | 1 | $ 240,000 | $ 240,000 | $ 14,000 |
| Carroll, Maryland | 1 | $ 86,000 | $ 86,000 | $ 107,000 |
| Howard, Maryland | 1 | $ 400,000 | $ 400,000 | $ 132,000 |
| Washington, Maryland | 1 | $ 194,000 | $ 194,000 | $ 66,000 |
| Ingham, Michigan | 1 | $ 118,000 | $ 118,000 | $ 134,000 |
| Greene, Missouri | 1 | $ 102,000 | $ 102,000 | $ 74,000 |
| Jasper, Missouri | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Silver Bow, Montana | 1 | $ 5,000 | $ 5,000 | $ 15,000 |
| Atlantic, New Jersey | 1 | $ 210,000 | $ 210,000 | $ 70,000 |
| Mercer, New Jersey | 1 | $ 256,000 | $ 256,000 | $ 95,000 |
| Morris, New Jersey | 1 | $ 482,000 | $ 482,000 | $ 125,000 |
| Sussex, New Jersey | 1 | $ 200,000 | $ 200,000 | $ 121,000 |
| Bernalillo, New Mexico | 1 | $ 232,000 | $ 232,000 | $ 74,000 |
| Lincoln, New Mexico | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Santa Fe, New Mexico | 1 | $ 412,000 | $ 412,000 | $ 133,000 |
| Dutchess, New York | 1 | $ 300,000 | $ 300,000 | $ 87,000 |
| Orange, New York | 1 | $ 256,000 | $ 256,000 | $ 105,000 |
| Catawba, North Carolina | 1 | $ 199,000 | $ 199,000 | $ 67,000 |
| Mecklenburg, North Carolina | 1 | $ 180,000 | $ 180,000 | $ 80,000 |
| Pitt, North Carolina | 1 | $ 1,000 | $ 1,000 | $ 16,000 |
| Wake, North Carolina | 1 | $ 208,000 | $ 208,000 | $ 102,000 |
| Watauga, North Carolina | 1 | $ 96,000 | $ 96,000 | $ 58,000 |
| Franklin, Ohio | 1 | $ 146,000 | $ 146,000 | $ 37,000 |
| Wayne, Ohio | 1 | $ 161,000 | $ 161,000 | $ 59,000 |
| Douglas, Oregon | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Jackson, Oregon | 1 | $ 275,000 | $ 275,000 | $ 163,000 |
| Polk, Oregon | 1 | $ 137,000 | $ 137,000 | $ 53,000 |
| Bucks, Pennsylvania | 1 | $ 191,000 | $ 191,000 | $ 115,000 |
| Montgomery, Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 120,000 |
| Northampton, Pennsylvania | 1 | $ 379,000 | $ 379,000 | $ 166,000 |
| Hardeman, Tennessee | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Bandera, Texas | 1 | $ 132,000 | $ 132,000 | $ 103,000 |
| Bexar, Texas | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Collin, Texas | 1 | $ 152,000 | $ 152,000 | $ 139,000 |
| Fort Bend, Texas | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Guadalupe, Texas | 1 | $ 110,000 | $ 110,000 | $ 29,000 |
| Potter, Texas | 1 | $ 100,000 | $ 100,000 | $ 176,000 |
| Travis, Texas | 1 | $ 126,000 | $ 126,000 | $ 92,000 |
| New Kent, Virginia | 1 | $ 127,000 | $ 127,000 | $ 47,000 |
| Virginia Beach, Virginia | 1 | $ 158,000 | $ 158,000 | $ 73,000 |
| Westmoreland, Virginia | 1 | $ 87,000 | $ 87,000 | $ 114,000 |
| Clark, Washington | 1 | $ 200,000 | $ 200,000 | $ 144,000 |
| San Juan, Washington | 1 | $ 323,000 | $ 323,000 | $ 152,000 |
| Snohomish, Washington | 1 | $ 525,000 | $ 525,000 | $ 46,000 |
| Sublette, 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.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.
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