Zions First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Zions First National Bank 2004 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 | 8,805 |
| Total Mortgage Loan Application Amount | $1,382,201,000 |
| Average Mortgage Loan Application Amount | $240,000 |
| Highest Mortgage Loan Application Amount | $3,200,000 |
| Average Applicant Income | $123,210 |
| Highest Applicant Income | $8,395,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 1,321 | $ 197,939,000 | $ 149,000 | $ 74,000 |
| Utah County Utah | 548 | $ 83,403,000 | $ 152,000 | $ 68,000 |
| Washington County Utah | 542 | $ 66,187,000 | $ 122,000 | $ 76,000 |
| Cache County Utah | 458 | $ 57,204,000 | $ 124,000 | $ 62,000 |
| Davis County Utah | 345 | $ 58,516,000 | $ 169,000 | $ 77,000 |
| Uintah County Utah | 227 | $ 18,164,000 | $ 80,000 | $ 52,000 |
| Bonneville County Idaho | 220 | $ 33,191,000 | $ 150,000 | $ 83,000 |
| Summit County Utah | 208 | $ 68,576,000 | $ 329,000 | $ 155,000 |
| Duchesne County Utah | 182 | $ 13,257,000 | $ 72,000 | $ 49,000 |
| Sevier County Utah | 177 | $ 15,960,000 | $ 90,000 | $ 52,000 |
| Clark County Nevada | 173 | $ 40,132,000 | $ 231,000 | $ 85,000 |
| Weber County Utah | 171 | $ 24,911,000 | $ 145,000 | $ 86,000 |
| Millard County Utah | 167 | $ 12,600,000 | $ 75,000 | $ 59,000 |
| Maricopa County Arizona | 161 | $ 75,074,000 | $ 466,000 | $ 158,000 |
| Iron County Utah | 148 | $ 18,469,000 | $ 124,000 | $ 68,000 |
| Jefferson County Idaho | 132 | $ 16,277,000 | $ 123,000 | $ 71,000 |
| Sanpete County Utah | 125 | $ 11,294,000 | $ 90,000 | $ 51,000 |
| Box Elder County Utah | 124 | $ 14,152,000 | $ 114,000 | $ 57,000 |
| Bingham County Idaho | 114 | $ 12,588,000 | $ 110,000 | $ 60,000 |
| Emery County Utah | 112 | $ 6,319,000 | $ 56,000 | $ 50,000 |
| Bannock County Idaho | 107 | $ 8,934,000 | $ 83,000 | $ 71,000 |
| Bear Lake County Idaho | 101 | $ 9,331,000 | $ 92,000 | $ 59,000 |
| Wasatch County Utah | 100 | $ 18,745,000 | $ 187,000 | $ 153,000 |
| Kane County Utah | 96 | $ 12,083,000 | $ 125,000 | $ 113,000 |
| Nez Perce County Idaho | 94 | $ 8,307,000 | $ 88,000 | $ 67,000 |
| Washington County Idaho | 77 | $ 4,859,000 | $ 63,000 | $ 50,000 |
| Garfield County Utah | 77 | $ 5,609,000 | $ 72,000 | $ 58,000 |
| San Juan County Utah | 73 | $ 3,978,000 | $ 54,000 | $ 55,000 |
| Madison County Idaho | 66 | $ 7,915,000 | $ 119,000 | $ 70,000 |
| Cassia County Idaho | 65 | $ 5,908,000 | $ 90,000 | $ 53,000 |
| Carbon County Utah | 65 | $ 4,200,000 | $ 64,000 | $ 44,000 |
| Latah County Idaho | 63 | $ 8,616,000 | $ 136,000 | $ 70,000 |
| Twin Falls County Idaho | 59 | $ 5,507,000 | $ 93,000 | $ 63,000 |
| Ada County Idaho | 56 | $ 9,771,000 | $ 174,000 | $ 122,000 |
| Yavapai County Arizona | 54 | $ 11,339,000 | $ 209,000 | $ 107,000 |
| Tooele County Utah | 54 | $ 5,685,000 | $ 105,000 | $ 65,000 |
| Yuma County Arizona | 51 | $ 8,580,000 | $ 168,000 | $ 69,000 |
| Grand County Utah | 51 | $ 5,377,000 | $ 105,000 | $ 69,000 |
| Canyon County Idaho | 47 | $ 4,365,000 | $ 92,000 | $ 44,000 |
| Coconino County Arizona | 46 | $ 9,633,000 | $ 209,000 | $ 118,000 |
| Dakota County Minnesota | 45 | $ 8,770,000 | $ 194,000 | $ 81,000 |
| Pima County Arizona | 41 | $ 16,089,000 | $ 392,000 | $ 134,000 |
| Manatee County Florida | 41 | $ 6,918,000 | $ 168,000 | $ 64,000 |
| Franklin County Idaho | 38 | $ 4,363,000 | $ 114,000 | $ 53,000 |
| Rich County Utah | 38 | $ 2,704,000 | $ 71,000 | $ 61,000 |
| Charlotte County Florida | 35 | $ 6,455,000 | $ 184,000 | $ 149,000 |
| Boundary County Idaho | 35 | $ 1,835,000 | $ 52,000 | $ 44,000 |
| Fremont County Idaho | 35 | $ 7,234,000 | $ 206,000 | $ 106,000 |
| Hennepin County Minnesota | 35 | $ 7,074,000 | $ 202,000 | $ 82,000 |
| La Plata County Colorado | 33 | $ 10,680,000 | $ 323,000 | $ 103,000 |
| Lee County Florida | 33 | $ 8,306,000 | $ 251,000 | $ 324,000 |
| Washoe County Nevada | 33 | $ 8,273,000 | $ 250,000 | $ 79,000 |
| Minidoka County Idaho | 31 | $ 2,297,000 | $ 74,000 | $ 61,000 |
| Kane County Illinois | 31 | $ 4,957,000 | $ 159,000 | $ 62,000 |
| Collier County Florida | 30 | $ 6,955,000 | $ 231,000 | $ 127,000 |
| Routt County Colorado | 29 | $ 11,010,000 | $ 379,000 | $ 201,000 |
| Payette County Idaho | 29 | $ 1,837,000 | $ 63,000 | $ 52,000 |
| Fairfax County Virginia | 27 | $ 10,969,000 | $ 406,000 | $ 173,000 |
| Monmouth County New Jersey | 26 | $ 10,156,000 | $ 390,000 | $ 179,000 |
| Gooding County Idaho | 25 | $ 1,447,000 | $ 57,000 | $ 38,000 |
| Duval County Florida | 22 | $ 3,035,000 | $ 137,000 | $ 79,000 |
| El Paso County Colorado | 21 | $ 6,564,000 | $ 312,000 | $ 90,000 |
| Mohave County Arizona | 20 | $ 4,551,000 | $ 227,000 | $ 122,000 |
| Cochise County Arizona | 19 | $ 4,333,000 | $ 228,000 | $ 89,000 |
| Tulare County California | 18 | $ 3,675,000 | $ 204,000 | $ 115,000 |
| Loudoun County Virginia | 18 | $ 5,519,000 | $ 306,000 | $ 186,000 |
| Fresno County California | 17 | $ 4,271,000 | $ 251,000 | $ 125,000 |
| Riverside County California | 17 | $ 4,474,000 | $ 263,000 | $ 106,000 |
| Palm Beach County Florida | 17 | $ 3,893,000 | $ 229,000 | $ 104,000 |
| Juab County Utah | 17 | $ 1,468,000 | $ 86,000 | $ 60,000 |
| Asotin County Washington | 17 | $ 1,590,000 | $ 93,000 | $ 74,000 |
| Gila County Arizona | 16 | $ 3,967,000 | $ 247,000 | $ 104,000 |
| Navajo County Arizona | 16 | $ 2,863,000 | $ 178,000 | $ 96,000 |
| Beaver County Utah | 16 | $ 1,736,000 | $ 108,000 | $ 97,000 |
| Orange County California | 15 | $ 7,100,000 | $ 473,000 | $ 227,000 |
| Caribou County Idaho | 15 | $ 1,370,000 | $ 91,000 | $ 70,000 |
| St. Charles County Missouri | 15 | $ 2,976,000 | $ 198,000 | $ 79,000 |
| Wayne County Utah | 15 | $ 1,276,000 | $ 85,000 | $ 60,000 |
| Pinal County Arizona | 14 | $ 3,147,000 | $ 224,000 | $ 89,000 |
| Kern County California | 14 | $ 2,841,000 | $ 202,000 | $ 69,000 |
| St. Johns County Florida | 14 | $ 2,620,000 | $ 187,000 | $ 72,000 |
| Jerome County Idaho | 14 | $ 1,101,000 | $ 78,000 | $ 51,000 |
| San Bernardino County California | 13 | $ 2,920,000 | $ 224,000 | $ 148,000 |
| Washington County Minnesota | 13 | $ 2,233,000 | $ 171,000 | $ 84,000 |
| St. Louis County Missouri | 13 | $ 3,071,000 | $ 236,000 | $ 149,000 |
| Mercer County New Jersey | 13 | $ 3,665,000 | $ 281,000 | $ 137,000 |
| Piute County Utah | 12 | $ 888,000 | $ 74,000 | $ 48,000 |
| Contra Costa County California | 11 | $ 6,150,000 | $ 559,000 | $ 142,000 |
| Broward County Florida | 11 | $ 3,181,000 | $ 289,000 | $ 125,000 |
| Sarasota County Florida | 11 | $ 2,102,000 | $ 191,000 | $ 73,000 |
| Lincoln County Idaho | 11 | $ 808,000 | $ 73,000 | $ 34,000 |
| Ocean County New Jersey | 11 | $ 1,735,000 | $ 157,000 | $ 98,000 |
| Somerset County New Jersey | 11 | $ 1,962,000 | $ 178,000 | $ 154,000 |
| Morgan County Utah | 11 | $ 3,429,000 | $ 311,000 | $ 113,000 |
| Clay County Florida | 10 | $ 1,521,000 | $ 152,000 | $ 74,000 |
| Anoka County Minnesota | 10 | $ 2,236,000 | $ 223,000 | $ 74,000 |
| Nye County Nevada | 10 | $ 1,256,000 | $ 125,000 | $ 46,000 |
| Denver County Colorado | 9 | $ 2,316,000 | $ 257,000 | $ 103,000 |
| Owyhee County Idaho | 9 | $ 477,000 | $ 53,000 | $ 67,000 |
| Oakland County Michigan | 9 | $ 3,608,000 | $ 400,000 | $ 198,000 |
| Hunterdon County New Jersey | 9 | $ 3,444,000 | $ 382,000 | $ 156,000 |
| James City County Virginia | 9 | $ 1,960,000 | $ 217,000 | $ 72,000 |
| King County Washington | 9 | $ 2,208,000 | $ 245,000 | $ 84,000 |
| Los Angeles County California | 8 | $ 6,105,000 | $ 763,000 | $ 214,000 |
| San Diego County California | 8 | $ 4,773,000 | $ 596,000 | $ 198,000 |
| San Miguel County Colorado | 8 | $ 3,584,000 | $ 448,000 | $ 184,000 |
| Teton County Idaho | 8 | $ 1,778,000 | $ 222,000 | $ 87,000 |
| Middlesex County New Jersey | 8 | $ 2,240,000 | $ 280,000 | $ 129,000 |
| Delaware County Ohio | 8 | $ 2,115,000 | $ 264,000 | $ 96,000 |
| Daggett County Utah | 8 | $ 772,000 | $ 96,000 | $ 63,000 |
| Whitman County Washington | 8 | $ 1,359,000 | $ 169,000 | $ 108,000 |
| Larimer County Colorado | 7 | $ 2,663,000 | $ 380,000 | $ 105,000 |
| Teller County Colorado | 7 | $ 1,945,000 | $ 277,000 | $ 93,000 |
| Valley County Idaho | 7 | $ 708,000 | $ 101,000 | $ 83,000 |
| Montgomery County Maryland | 7 | $ 2,832,000 | $ 404,000 | $ 137,000 |
| Macomb County Michigan | 7 | $ 1,482,000 | $ 211,000 | $ 101,000 |
| Wake County North Carolina | 7 | $ 1,295,000 | $ 185,000 | $ 57,000 |
| Lincoln County Wyoming | 7 | $ 754,000 | $ 107,000 | $ 57,000 |
| Adams County Colorado | 6 | $ 960,000 | $ 160,000 | $ 59,000 |
| Boulder County Colorado | 6 | $ 1,649,000 | $ 274,000 | $ 62,000 |
| Hillsborough County Florida | 6 | $ 689,000 | $ 114,000 | $ 58,000 |
| Butte County Idaho | 6 | $ 562,000 | $ 93,000 | $ 80,000 |
| Oneida County Idaho | 6 | $ 680,000 | $ 113,000 | $ 76,000 |
| McHenry County Illinois | 6 | $ 1,228,000 | $ 204,000 | $ 108,000 |
| Douglas County Nevada | 6 | $ 1,621,000 | $ 270,000 | $ 90,000 |
| Lyon County Nevada | 6 | $ 1,194,000 | $ 199,000 | $ 77,000 |
| Prince William County Virginia | 6 | $ 1,074,000 | $ 179,000 | $ 127,000 |
| Solano County California | 5 | $ 1,706,000 | $ 341,000 | $ 126,000 |
| Sutter County California | 5 | $ 907,000 | $ 181,000 | $ 57,000 |
| Jefferson County Colorado | 5 | $ 1,337,000 | $ 267,000 | $ 207,000 |
| Mesa County Colorado | 5 | $ 1,634,000 | $ 326,000 | $ 141,000 |
| Pitkin County Colorado | 5 | $ 1,607,000 | $ 321,000 | $ 277,000 |
| Flagler County Florida | 5 | $ 1,422,000 | $ 284,000 | $ 349,000 |
| Pasco County Florida | 5 | $ 819,000 | $ 163,000 | $ 89,000 |
| Kootenai County Idaho | 5 | $ 1,098,000 | $ 219,000 | $ 146,000 |
| Lewis County Idaho | 5 | $ 438,000 | $ 87,000 | $ 55,000 |
| Johnson County Kansas | 5 | $ 1,084,000 | $ 216,000 | $ 85,000 |
| Harford County Maryland | 5 | $ 1,028,000 | $ 205,000 | $ 76,000 |
| Livingston County Michigan | 5 | $ 998,000 | $ 199,000 | $ 99,000 |
| Malheur County Oregon | 5 | $ 362,000 | $ 72,000 | $ 47,000 |
| Blaine County Idaho | 4 | $ 806,000 | $ 201,000 | $ 377,000 |
| Boise County Idaho | 4 | $ 742,000 | $ 185,000 | $ 136,000 |
| Elmore County Idaho | 4 | $ 354,000 | $ 88,000 | $ 68,000 |
| Will County Illinois | 4 | $ 759,000 | $ 189,000 | $ 58,000 |
| Hamilton County Indiana | 4 | $ 1,136,000 | $ 284,000 | $ 102,000 |
| Kent County Michigan | 4 | $ 607,000 | $ 151,000 | $ 51,000 |
| Wayne County Michigan | 4 | $ 1,581,000 | $ 395,000 | $ 128,000 |
| San Juan County New Mexico | 4 | $ 641,000 | $ 160,000 | $ 82,000 |
| Cuyahoga County Ohio | 4 | $ 743,000 | $ 185,000 | $ 99,000 |
| Umatilla County Oregon | 4 | $ 562,000 | $ 140,000 | $ 225,000 |
| Horry County South Carolina | 4 | $ 759,000 | $ 189,000 | $ 170,000 |
| Grant County Washington | 4 | $ 335,000 | $ 83,000 | $ 209,000 |
| El Dorado County California | 3 | $ 1,930,000 | $ 643,000 | $ 215,000 |
| Madera County California | 3 | $ 730,000 | $ 243,000 | $ 99,000 |
| Arapahoe County Colorado | 3 | $ 534,000 | $ 178,000 | $ 106,000 |
| Eagle County Colorado | 3 | $ 1,284,000 | $ 428,000 | $ 116,000 |
| Summit County Colorado | 3 | $ 380,000 | $ 126,000 | $ 103,000 |
| Bonner County Idaho | 3 | $ 278,000 | $ 92,000 | $ 47,000 |
| Custer County Idaho | 3 | $ 265,000 | $ 88,000 | $ 99,000 |
| Gem County Idaho | 3 | $ 142,000 | $ 47,000 | $ 57,000 |
| Power County Idaho | 3 | $ 321,000 | $ 107,000 | $ 57,000 |
| Kendall County Illinois | 3 | $ 367,000 | $ 122,000 | $ 43,000 |
| Talbot County Maryland | 3 | $ 651,000 | $ 217,000 | $ 130,000 |
| Washtenaw County Michigan | 3 | $ 654,000 | $ 218,000 | $ 119,000 |
| Carson City County Nevada | 3 | $ 398,000 | $ 132,000 | $ 42,000 |
| Lincoln County Nevada | 3 | $ 362,000 | $ 120,000 | $ 85,000 |
| Summit County Ohio | 3 | $ 1,050,000 | $ 350,000 | $ 94,000 |
| York County Virginia | 3 | $ 398,000 | $ 132,000 | $ 68,000 |
| Teton County Wyoming | 3 | $ 2,200,000 | $ 733,000 | $ 1,295,000 |
| Ventura County California | 2 | $ 818,000 | $ 409,000 | $ 117,000 |
| Douglas County Colorado | 2 | $ 1,748,000 | $ 874,000 | $ 278,000 |
| Montezuma County Colorado | 2 | $ 750,000 | $ 375,000 | $ 88,000 |
| Park County Colorado | 2 | $ 358,000 | $ 179,000 | $ 46,000 |
| Weld County Colorado | 2 | $ 697,000 | $ 348,000 | $ 80,000 |
| Miami-Dade County Florida | 2 | $ 360,000 | $ 180,000 | $ 569,000 |
| St. Lucie County Florida | 2 | $ 290,000 | $ 145,000 | $ 109,000 |
| Benewah County Idaho | 2 | $ 258,000 | $ 129,000 | $ 64,000 |
| Lemhi County Idaho | 2 | $ 179,000 | $ 89,000 | $ 69,000 |
| Lake County Illinois | 2 | $ 461,000 | $ 230,000 | $ 96,000 |
| St. Clair County Illinois | 2 | $ 377,000 | $ 188,000 | $ 70,000 |
| Frederick County Maryland | 2 | $ 547,000 | $ 273,000 | $ 94,000 |
| Carver County Minnesota | 2 | $ 460,000 | $ 230,000 | $ 80,000 |
| Ramsey County Minnesota | 2 | $ 700,000 | $ 350,000 | $ 145,000 |
| Scott County Minnesota | 2 | $ 629,000 | $ 314,000 | $ 98,000 |
| Sherburne County Minnesota | 2 | $ 296,000 | $ 148,000 | $ 81,000 |
| Washington County Mississippi | 2 | $ 12,000 | $ 6,000 | $ 36,000 |
| Douglas County Nebraska | 2 | $ 545,000 | $ 272,000 | $ 111,000 |
| Elko County Nevada | 2 | $ 231,000 | $ 115,000 | $ 58,000 |
| Burlington County New Jersey | 2 | $ 495,000 | $ 247,000 | $ 129,000 |
| Bucks County Pennsylvania | 2 | $ 1,065,000 | $ 532,000 | $ 180,000 |
| Goochland County Virginia | 2 | $ 473,000 | $ 236,000 | $ 79,000 |
| Henrico County Virginia | 2 | $ 584,000 | $ 292,000 | $ 154,000 |
| Powhatan County Virginia | 2 | $ 424,000 | $ 212,000 | $ 71,000 |
| Virginia Beach County Virginia | 2 | $ 364,000 | $ 182,000 | $ 76,000 |
| Benton County Washington | 2 | $ 442,000 | $ 221,000 | $ 107,000 |
| Franklin County Washington | 2 | $ 296,000 | $ 148,000 | $ 84,000 |
| Pierce County Washington | 2 | $ 637,000 | $ 318,000 | $ 156,000 |
| Spokane County Washington | 2 | $ 194,000 | $ 97,000 | $ 34,000 |
| Sublette County Wyoming | 2 | $ 277,000 | $ 138,000 | $ 47,000 |
| Mobile County Alabama | 1 | $ 147,000 | $ 147,000 | $ 55,000 |
| Tuscaloosa County Alabama | 1 | $ 228,000 | $ 228,000 | $ 62,000 |
| Apache County Arizona | 1 | $ 188,000 | $ 188,000 | $ 149,000 |
| Graham County Arizona | 1 | $ 51,000 | $ 51,000 | $ 62,000 |
| Santa Cruz County Arizona | 1 | $ 334,000 | $ 334,000 | $ 103,000 |
| Butte County California | 1 | $ 300,000 | $ 300,000 | $ 136,000 |
| Calaveras County California | 1 | $ 360,000 | $ 360,000 | $ 96,000 |
| Marin County California | 1 | $ 826,000 | $ 826,000 | $ 395,000 |
| Mariposa County California | 1 | $ 304,000 | $ 304,000 | $ 60,000 |
| Napa County California | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Placer County California | 1 | $ 435,000 | $ 435,000 | $ 81,000 |
| San Joaquin County California | 1 | $ 232,000 | $ 232,000 | $ 46,000 |
| San Luis Obispo County California | 1 | $ 735,000 | $ 735,000 | $ 150,000 |
| Sonoma County California | 1 | $ 500,000 | $ 500,000 | $ 54,000 |
| Stanislaus County California | 1 | $ 283,000 | $ 283,000 | $ 247,000 |
| Archuleta County Colorado | 1 | $ 240,000 | $ 240,000 | $ 49,000 |
| Delta County Colorado | 1 | $ 148,000 | $ 148,000 | $ 30,000 |
| Dolores County Colorado | 1 | $ 196,000 | $ 196,000 | $ 35,000 |
| Fremont County Colorado | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Gilpin County Colorado | 1 | $ 183,000 | $ 183,000 | $ 45,000 |
| Grand County Colorado | 1 | $ 650,000 | $ 650,000 | $ 318,000 |
| Jackson County Colorado | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Logan County Colorado | 1 | $ 143,000 | $ 143,000 | $ 51,000 |
| Moffat County Colorado | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Ouray County Colorado | 1 | $ 675,000 | $ 675,000 | $ 222,000 |
| Pueblo County Colorado | 1 | $ 97,000 | $ 97,000 | $ 66,000 |
| Rio Blanco County Colorado | 1 | $ 61,000 | $ 61,000 | $ 31,000 |
| Fairfield County Connecticut | 1 | $ 260,000 | $ 260,000 | $ 67,000 |
| Martin County Florida | 1 | $ 231,000 | $ 231,000 | $ 91,000 |
| Seminole County Florida | 1 | $ 191,000 | $ 191,000 | $ 70,000 |
| Camas County Idaho | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
| Clark County Idaho | 1 | $ 1,000 | $ 1,000 | $ 8,000 |
| Clearwater County Idaho | 1 | $ 27,000 | $ 27,000 | $ 20,000 |
| Idaho County Idaho | 1 | $ 135,000 | $ 135,000 | $ 135,000 |
| Shoshone County Idaho | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Cook County Illinois | 1 | $ 352,000 | $ 352,000 | $ 68,000 |
| DeKalb County Illinois | 1 | $ 142,000 | $ 142,000 | $ 108,000 |
| Boone County Indiana | 1 | $ 330,000 | $ 330,000 | $ 119,000 |
| Marion County Indiana | 1 | $ 282,000 | $ 282,000 | $ 62,000 |
| Baltimore County Maryland | 1 | $ 323,000 | $ 323,000 | $ 68,000 |
| Howard County Maryland | 1 | $ 437,000 | $ 437,000 | $ 157,000 |
| Plymouth County Massachusetts | 1 | $ 488,000 | $ 488,000 | $ 100,000 |
| Genesee County Michigan | 1 | $ 173,000 | $ 173,000 | $ 121,000 |
| Osceola County Michigan | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Olmsted County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| Wright County Minnesota | 1 | $ 317,000 | $ 317,000 | $ 184,000 |
| Jackson County Missouri | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Jefferson County Missouri | 1 | $ 213,000 | $ 213,000 | $ 114,000 |
| Gallatin County Montana | 1 | $ 1,000,000 | $ 1,000,000 | $ 417,000 |
| Sarpy County Nebraska | 1 | $ 189,000 | $ 189,000 | $ 104,000 |
| Churchill County Nevada | 1 | $ 96,000 | $ 96,000 | $ 27,000 |
| White Pine County Nevada | 1 | $ 180,000 | $ 180,000 | $ 59,000 |
| Atlantic County New Jersey | 1 | $ 183,000 | $ 183,000 | $ 58,000 |
| Morris County New Jersey | 1 | $ 650,000 | $ 650,000 | $ 285,000 |
| Passaic County New Jersey | 1 | $ 435,000 | $ 435,000 | $ 255,000 |
| Bernalillo County New Mexico | 1 | $ 116,000 | $ 116,000 | $ 41,000 |
| Los Alamos County New Mexico | 1 | $ 266,000 | $ 266,000 | $ 118,000 |
| Sandoval County New Mexico | 1 | $ 229,000 | $ 229,000 | $ 79,000 |
| Lake County Ohio | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Lorain County Ohio | 1 | $ 164,000 | $ 164,000 | $ 89,000 |
| Crook County Oregon | 1 | $ 123,000 | $ 123,000 | $ 60,000 |
| Deschutes County Oregon | 1 | $ 83,000 | $ 83,000 | $ 196,000 |
| Jackson County Oregon | 1 | $ 281,000 | $ 281,000 | $ 2,083,000 |
| Lane County Oregon | 1 | $ 79,000 | $ 79,000 | $ 41,000 |
| Lincoln County Oregon | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| Marion County Oregon | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Washington County Oregon | 1 | $ 139,000 | $ 139,000 | $ 86,000 |
| Chester County Pennsylvania | 1 | $ 318,000 | $ 318,000 | $ 93,000 |
| Monroe County Pennsylvania | 1 | $ 364,000 | $ 364,000 | $ 120,000 |
| Northampton County Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 137,000 |
| Somerset County Pennsylvania | 1 | $ 448,000 | $ 448,000 | $ 210,000 |
| Cumberland County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 41,000 |
| Davidson County Tennessee | 1 | $ 63,000 | $ 63,000 | $ 45,000 |
| Bexar County Texas | 1 | $ 99,000 | $ 99,000 | $ 55,000 |
| Tarrant County Texas | 1 | $ 154,000 | $ 154,000 | $ 68,000 |
| Fauquier County Virginia | 1 | $ 308,000 | $ 308,000 | $ 54,000 |
| Greene County Virginia | 1 | $ 214,000 | $ 214,000 | $ 95,000 |
| Clallam County Washington | 1 | $ 279,000 | $ 279,000 | $ 65,000 |
| Garfield County Washington | 1 | $ 100,000 | $ 100,000 | $ 68,000 |
| Kitsap County Washington | 1 | $ 216,000 | $ 216,000 | $ 261,000 |
| Mason County Washington | 1 | $ 152,000 | $ 152,000 | $ 79,000 |
| Pacific County Washington | 1 | $ 30,000 | $ 30,000 | $ 43,000 |
| Snohomish County Washington | 1 | $ 254,000 | $ 254,000 | $ 80,000 |
| Stevens County Washington | 1 | $ 160,000 | $ 160,000 | $ 151,000 |
| Whatcom County Washington | 1 | $ 101,000 | $ 101,000 | $ 28,000 |
| Laramie County Wyoming | 1 | $ 19,000 | $ 19,000 | $ 62,000 |
| Sweetwater County Wyoming | 1 | $ 57,000 | $ 57,000 | $ 84,000 |
| Uinta County Wyoming | 1 | $ 89,000 | $ 89,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Zions First National Bank in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,842 | $818,336,000 | $258,000 | $3,200,000 | $116,500 | $8,395,000 |
| Refinancing | 3,826 | $500,132,000 | $213,470 | $1,646,000 | $150,235 | $3,457,000 |
| Home Improvement | 1,137 | $63,733,000 | $231,100 | $1,065,000 | $97,400 | $1,044,000 |
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 | 7,661 | $1,169,061,000 | $248,419 | $3,200,000 | $125,677 | $8,395,000 |
| Not Provided | 458 | $101,815,000 | $255,560 | $2,000,000 | $107,200 | $900,000 |
| Hispanic | 324 | $39,238,000 | $166,800 | $659,000 | $74,066 | $569,000 |
| Asian | 168 | $33,799,000 | $244,466 | $958,000 | $92,400 | $432,000 |
| Not applicable | 69 | $20,256,000 | $287,272 | $1,650,000 | $96,818 | $2,313,000 |
| American Indian or Alaskan Native | 60 | $6,710,000 | $255,800 | $480,000 | $231,400 | $780,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $4,392,000 | $179,833 | $563,000 | $73,166 | $157,000 |
| Black or African American | 29 | $6,930,000 | $260,333 | $650,000 | $114,833 | $296,000 |
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) | 8,611 | $1,360,527,000 | $250,250 | $3,200,000 | $119,625 | $8,395,000 |
| FHA-insured (Federal Housing Administration) | 155 | $17,336,000 | $104,500 | $203,000 | $41,000 | $258,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,048,000 | $97,500 | $162,000 | $39,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,290,000 | $102,000 | $220,000 | $38,500 | $168,000 |
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 | 4,710 | $627,495,000 | $295,823 | $3,200,000 | $165,941 | $3,457,000 |
| Application Denied By Financial Institution | 1,507 | $157,086,000 | $184,384 | $2,000,000 | $91,307 | $2,192,000 |
| Loan Purchased By The Institution | 1,476 | $406,512,000 | $243,035 | $2,000,000 | $123,892 | $5,741,000 |
| Application Approved But Not Accepted | 1,074 | $183,987,000 | $268,818 | $2,000,000 | $122,090 | $8,395,000 |
| Application Withdrawn By Applicant | 31 | $6,235,000 | $264,000 | $1,300,000 | $100,500 | $732,000 |
| File Closed For Incompleteness | 7 | $886,000 | $126,000 | $200,000 | $59,000 | $86,000 |
| 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 | 907 | $69,419,000 | $131,300 | $960,000 | $54,600 | $2,192,000 |
| Collateral | 231 | $24,764,000 | $248,714 | $1,045,000 | $67,285 | $1,320,000 |
| Debt-To-Income Ratio | 225 | $29,681,000 | $214,000 | $860,000 | $133,125 | $720,000 |
| Other | 59 | $11,694,000 | $189,375 | $1,520,000 | $106,000 | $408,000 |
| Unverifiable Information | 38 | $7,989,000 | $389,333 | $1,065,000 | $114,833 | $991,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,239,000 | $398,333 | $1,500,000 | $212,000 | $960,000 |
| Credit Application Incomplete | 17 | $8,217,000 | $251,500 | $2,000,000 | $85,500 | $396,000 |
| Employment History | 12 | $1,083,000 | $83,000 | $180,000 | $35,500 | $71,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions First National Bank's 2004 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.