Zions First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Zions First National Bank 2005 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 | 7,607 |
| Total Mortgage Loan Application Amount | $1,317,627,000 |
| Average Mortgage Loan Application Amount | $277,400 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $108,446 |
| Highest Applicant Income | $6,537,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 1,200 | $ 198,053,000 | $ 165,000 | $ 82,000 |
| Washington County Utah | 570 | $ 89,297,000 | $ 156,000 | $ 64,000 |
| Utah County Utah | 559 | $ 92,016,000 | $ 164,000 | $ 79,000 |
| Davis County Utah | 382 | $ 69,155,000 | $ 181,000 | $ 104,000 |
| Cache County Utah | 352 | $ 51,877,000 | $ 147,000 | $ 69,000 |
| Bonneville County Idaho | 225 | $ 38,557,000 | $ 171,000 | $ 72,000 |
| Summit County Utah | 215 | $ 92,548,000 | $ 430,000 | $ 155,000 |
| Uintah County Utah | 197 | $ 19,899,000 | $ 101,000 | $ 51,000 |
| Iron County Utah | 185 | $ 32,011,000 | $ 173,000 | $ 82,000 |
| Sevier County Utah | 178 | $ 14,621,000 | $ 82,000 | $ 42,000 |
| Duchesne County Utah | 150 | $ 13,548,000 | $ 90,000 | $ 56,000 |
| Maricopa County Arizona | 140 | $ 56,743,000 | $ 405,000 | $ 74,000 |
| Weber County Utah | 137 | $ 20,703,000 | $ 151,000 | $ 60,000 |
| Wasatch County Utah | 135 | $ 29,554,000 | $ 218,000 | $ 82,000 |
| Kane County Utah | 127 | $ 17,241,000 | $ 135,000 | $ 76,000 |
| Millard County Utah | 119 | $ 9,516,000 | $ 79,000 | $ 49,000 |
| Bannock County Idaho | 113 | $ 12,845,000 | $ 113,000 | $ 76,000 |
| Bingham County Idaho | 110 | $ 12,414,000 | $ 112,000 | $ 54,000 |
| Box Elder County Utah | 108 | $ 14,625,000 | $ 135,000 | $ 62,000 |
| Jefferson County Idaho | 107 | $ 16,872,000 | $ 157,000 | $ 70,000 |
| Sanpete County Utah | 96 | $ 8,040,000 | $ 83,000 | $ 58,000 |
| Grand County Utah | 87 | $ 11,402,000 | $ 131,000 | $ 67,000 |
| San Juan County Utah | 77 | $ 6,658,000 | $ 86,000 | $ 60,000 |
| Ada County Idaho | 72 | $ 12,107,000 | $ 168,000 | $ 71,000 |
| Carbon County Utah | 70 | $ 4,596,000 | $ 65,000 | $ 55,000 |
| Nez Perce County Idaho | 67 | $ 7,422,000 | $ 110,000 | $ 67,000 |
| Emery County Utah | 67 | $ 5,035,000 | $ 75,000 | $ 61,000 |
| Madison County Idaho | 62 | $ 7,300,000 | $ 117,000 | $ 49,000 |
| Twin Falls County Idaho | 62 | $ 7,412,000 | $ 119,000 | $ 51,000 |
| Washington County Idaho | 61 | $ 5,375,000 | $ 88,000 | $ 47,000 |
| Latah County Idaho | 58 | $ 9,779,000 | $ 168,000 | $ 69,000 |
| Coconino County Arizona | 53 | $ 12,155,000 | $ 229,000 | $ 84,000 |
| Canyon County Idaho | 52 | $ 7,390,000 | $ 142,000 | $ 110,000 |
| Cassia County Idaho | 50 | $ 4,348,000 | $ 86,000 | $ 45,000 |
| Tooele County Utah | 49 | $ 6,993,000 | $ 142,000 | $ 65,000 |
| Yavapai County Arizona | 48 | $ 13,467,000 | $ 280,000 | $ 92,000 |
| Clark County Nevada | 47 | $ 13,261,000 | $ 282,000 | $ 106,000 |
| Garfield County Utah | 45 | $ 3,538,000 | $ 78,000 | $ 52,000 |
| Pima County Arizona | 44 | $ 16,502,000 | $ 375,000 | $ 173,000 |
| Fremont County Idaho | 37 | $ 5,874,000 | $ 158,000 | $ 94,000 |
| Bear Lake County Idaho | 36 | $ 2,893,000 | $ 80,000 | $ 52,000 |
| Mohave County Arizona | 34 | $ 5,929,000 | $ 174,000 | $ 66,000 |
| Payette County Idaho | 32 | $ 2,979,000 | $ 93,000 | $ 60,000 |
| Yuma County Arizona | 31 | $ 4,913,000 | $ 158,000 | $ 57,000 |
| Washoe County Nevada | 25 | $ 7,755,000 | $ 310,000 | $ 150,000 |
| Gila County Arizona | 23 | $ 5,055,000 | $ 219,000 | $ 127,000 |
| Franklin County Idaho | 23 | $ 2,771,000 | $ 120,000 | $ 69,000 |
| Rich County Utah | 22 | $ 2,669,000 | $ 121,000 | $ 84,000 |
| Somerset County New Jersey | 21 | $ 3,452,000 | $ 164,000 | $ 74,000 |
| Asotin County Washington | 21 | $ 2,669,000 | $ 127,000 | $ 103,000 |
| Cochise County Arizona | 20 | $ 4,670,000 | $ 233,000 | $ 78,000 |
| Wayne County Utah | 20 | $ 2,745,000 | $ 137,000 | $ 83,000 |
| Denver County Colorado | 19 | $ 4,418,000 | $ 232,000 | $ 77,000 |
| Minidoka County Idaho | 19 | $ 1,200,000 | $ 63,000 | $ 49,000 |
| Manatee County Florida | 17 | $ 3,210,000 | $ 188,000 | $ 84,000 |
| Boundary County Idaho | 17 | $ 1,424,000 | $ 83,000 | $ 37,000 |
| Jerome County Idaho | 17 | $ 1,751,000 | $ 103,000 | $ 82,000 |
| Beaver County Utah | 16 | $ 3,417,000 | $ 213,000 | $ 111,000 |
| Gooding County Idaho | 15 | $ 1,592,000 | $ 106,000 | $ 61,000 |
| Collier County Florida | 14 | $ 4,138,000 | $ 295,000 | $ 118,000 |
| Fresno County California | 13 | $ 5,692,000 | $ 437,000 | $ 174,000 |
| Routt County Colorado | 13 | $ 7,713,000 | $ 593,000 | $ 260,000 |
| Blaine County Idaho | 13 | $ 4,686,000 | $ 360,000 | $ 91,000 |
| Teton County Idaho | 13 | $ 2,726,000 | $ 209,000 | $ 99,000 |
| Middlesex County New Jersey | 13 | $ 3,951,000 | $ 303,000 | $ 151,000 |
| Malheur County Oregon | 13 | $ 1,075,000 | $ 82,000 | $ 65,000 |
| Loudoun County Virginia | 12 | $ 4,987,000 | $ 415,000 | $ 158,000 |
| Navajo County Arizona | 11 | $ 1,557,000 | $ 141,000 | $ 56,000 |
| La Plata County Colorado | 11 | $ 4,624,000 | $ 420,000 | $ 171,000 |
| Mesa County Colorado | 11 | $ 2,087,000 | $ 189,000 | $ 82,000 |
| Palm Beach County Florida | 11 | $ 2,393,000 | $ 217,000 | $ 162,000 |
| Dakota County Minnesota | 11 | $ 2,020,000 | $ 183,000 | $ 60,000 |
| Juab County Utah | 11 | $ 876,000 | $ 79,000 | $ 61,000 |
| Lincoln County Wyoming | 11 | $ 977,000 | $ 88,000 | $ 82,000 |
| Pinal County Arizona | 10 | $ 2,024,000 | $ 202,000 | $ 51,000 |
| El Paso County Colorado | 10 | $ 5,243,000 | $ 524,000 | $ 152,000 |
| Lee County Florida | 10 | $ 2,216,000 | $ 221,000 | $ 101,000 |
| Valley County Idaho | 10 | $ 4,626,000 | $ 462,000 | $ 182,000 |
| Monmouth County New Jersey | 10 | $ 4,035,000 | $ 403,000 | $ 194,000 |
| Morgan County Utah | 10 | $ 3,179,000 | $ 317,000 | $ 148,000 |
| Riverside County California | 9 | $ 3,965,000 | $ 440,000 | $ 116,000 |
| Sarasota County Florida | 9 | $ 1,614,000 | $ 179,000 | $ 105,000 |
| Caribou County Idaho | 8 | $ 572,000 | $ 71,000 | $ 48,000 |
| Power County Idaho | 8 | $ 1,166,000 | $ 145,000 | $ 56,000 |
| Piute County Utah | 8 | $ 378,000 | $ 47,000 | $ 56,000 |
| Jefferson County Colorado | 7 | $ 2,040,000 | $ 291,000 | $ 103,000 |
| Larimer County Colorado | 7 | $ 2,024,000 | $ 289,000 | $ 164,000 |
| Teller County Colorado | 7 | $ 2,307,000 | $ 329,000 | $ 96,000 |
| Clearwater County Idaho | 7 | $ 707,000 | $ 101,000 | $ 70,000 |
| Oneida County Idaho | 7 | $ 583,000 | $ 83,000 | $ 37,000 |
| Owyhee County Idaho | 7 | $ 915,000 | $ 130,000 | $ 52,000 |
| James City County Virginia | 7 | $ 1,644,000 | $ 234,000 | $ 88,000 |
| Orange County California | 6 | $ 4,737,000 | $ 789,000 | $ 311,000 |
| San Bernardino County California | 6 | $ 1,362,000 | $ 227,000 | $ 63,000 |
| Hennepin County Minnesota | 6 | $ 958,000 | $ 159,000 | $ 74,000 |
| Apache County Arizona | 5 | $ 549,000 | $ 109,000 | $ 54,000 |
| Tulare County California | 5 | $ 1,150,000 | $ 230,000 | $ 90,000 |
| San Miguel County Colorado | 5 | $ 3,126,000 | $ 625,000 | $ 177,000 |
| Weld County Colorado | 5 | $ 1,393,000 | $ 278,000 | $ 89,000 |
| Boise County Idaho | 5 | $ 762,000 | $ 152,000 | $ 74,000 |
| Kootenai County Idaho | 5 | $ 718,000 | $ 143,000 | $ 58,000 |
| Kane County Illinois | 5 | $ 674,000 | $ 134,000 | $ 45,000 |
| Lincoln County Nevada | 5 | $ 696,000 | $ 139,000 | $ 90,000 |
| Uinta County Wyoming | 5 | $ 652,000 | $ 130,000 | $ 76,000 |
| Kern County California | 4 | $ 671,000 | $ 167,000 | $ 51,000 |
| San Diego County California | 4 | $ 2,521,000 | $ 630,000 | $ 374,000 |
| Adams County Colorado | 4 | $ 1,285,000 | $ 321,000 | $ 89,000 |
| Grand County Colorado | 4 | $ 1,152,000 | $ 288,000 | $ 80,000 |
| Adams County Idaho | 4 | $ 620,000 | $ 155,000 | $ 109,000 |
| Butte County Idaho | 4 | $ 284,000 | $ 71,000 | $ 58,000 |
| Cook County Illinois | 4 | $ 923,000 | $ 230,000 | $ 133,000 |
| Douglas County Nevada | 4 | $ 969,000 | $ 242,000 | $ 70,000 |
| Nye County Nevada | 4 | $ 455,000 | $ 113,000 | $ 49,000 |
| Mercer County New Jersey | 4 | $ 1,463,000 | $ 365,000 | $ 116,000 |
| Morris County New Jersey | 4 | $ 1,508,000 | $ 377,000 | $ 180,000 |
| San Juan County New Mexico | 4 | $ 673,000 | $ 168,000 | $ 56,000 |
| Daggett County Utah | 4 | $ 545,000 | $ 136,000 | $ 142,000 |
| King County Washington | 4 | $ 1,317,000 | $ 329,000 | $ 90,000 |
| Whitman County Washington | 4 | $ 678,000 | $ 169,000 | $ 68,000 |
| Graham County Arizona | 3 | $ 312,000 | $ 104,000 | $ 33,000 |
| El Dorado County California | 3 | $ 1,820,000 | $ 606,000 | $ 253,000 |
| Los Angeles County California | 3 | $ 1,718,000 | $ 572,000 | $ 166,000 |
| Madera County California | 3 | $ 1,005,000 | $ 335,000 | $ 111,000 |
| Arapahoe County Colorado | 3 | $ 1,054,000 | $ 351,000 | $ 129,000 |
| Boulder County Colorado | 3 | $ 1,003,000 | $ 334,000 | $ 132,000 |
| Douglas County Colorado | 3 | $ 840,000 | $ 280,000 | $ 200,000 |
| Moffat County Colorado | 3 | $ 358,000 | $ 119,000 | $ 26,000 |
| Pueblo County Colorado | 3 | $ 454,000 | $ 151,000 | $ 67,000 |
| Summit County Colorado | 3 | $ 2,049,000 | $ 683,000 | $ 157,000 |
| Bonner County Idaho | 3 | $ 785,000 | $ 261,000 | $ 61,000 |
| Custer County Idaho | 3 | $ 389,000 | $ 129,000 | $ 67,000 |
| Gem County Idaho | 3 | $ 446,000 | $ 148,000 | $ 70,000 |
| Idaho County Idaho | 3 | $ 526,000 | $ 175,000 | $ 129,000 |
| Lincoln County Idaho | 3 | $ 174,000 | $ 58,000 | $ 33,000 |
| Wayne County Michigan | 3 | $ 1,451,000 | $ 483,000 | $ 23,000 |
| Umatilla County Oregon | 3 | $ 710,000 | $ 236,000 | $ 112,000 |
| Spokane County Washington | 3 | $ 640,000 | $ 213,000 | $ 47,000 |
| La Paz County Arizona | 2 | $ 592,000 | $ 296,000 | $ 60,000 |
| Santa Cruz County Arizona | 2 | $ 356,000 | $ 178,000 | $ 69,000 |
| Plumas County California | 2 | $ 700,000 | $ 350,000 | $ 175,000 |
| Solano County California | 2 | $ 1,503,000 | $ 751,000 | $ 165,000 |
| Yuba County California | 2 | $ 490,000 | $ 245,000 | $ 52,000 |
| Costilla County Colorado | 2 | $ 285,000 | $ 142,000 | $ 55,000 |
| Eagle County Colorado | 2 | $ 936,000 | $ 468,000 | $ 134,000 |
| Fremont County Colorado | 2 | $ 519,000 | $ 259,000 | $ 66,000 |
| Montezuma County Colorado | 2 | $ 336,000 | $ 168,000 | $ 57,000 |
| Park County Colorado | 2 | $ 409,000 | $ 204,000 | $ 83,000 |
| Pitkin County Colorado | 2 | $ 284,000 | $ 142,000 | $ 52,000 |
| Saguache County Colorado | 2 | $ 364,000 | $ 182,000 | $ 62,000 |
| Hartford County Connecticut | 2 | $ 345,000 | $ 172,000 | $ 75,000 |
| Duval County Florida | 2 | $ 383,000 | $ 191,000 | $ 111,000 |
| Flagler County Florida | 2 | $ 394,000 | $ 197,000 | $ 136,000 |
| Hillsborough County Florida | 2 | $ 180,000 | $ 90,000 | $ 87,000 |
| Martin County Florida | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| St. Johns County Florida | 2 | $ 435,000 | $ 217,000 | $ 101,000 |
| Camas County Idaho | 2 | $ 225,000 | $ 112,000 | $ 70,000 |
| Elmore County Idaho | 2 | $ 216,000 | $ 108,000 | $ 90,000 |
| Johnson County Kansas | 2 | $ 564,000 | $ 282,000 | $ 108,000 |
| Jackson County Missouri | 2 | $ 533,000 | $ 266,000 | $ 43,000 |
| St. Charles County Missouri | 2 | $ 445,000 | $ 222,000 | $ 85,000 |
| Churchill County Nevada | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Elko County Nevada | 2 | $ 268,000 | $ 134,000 | $ 88,000 |
| Eureka County Nevada | 2 | $ 295,000 | $ 147,000 | $ 77,000 |
| Lyon County Nevada | 2 | $ 351,000 | $ 175,000 | $ 69,000 |
| White Pine County Nevada | 2 | $ 296,000 | $ 148,000 | $ 62,000 |
| Medina County Ohio | 2 | $ 1,200,000 | $ 600,000 | $ 0 |
| Baker County Oregon | 2 | $ 303,000 | $ 151,000 | $ 160,000 |
| Bucks County Pennsylvania | 2 | $ 587,000 | $ 293,000 | $ 117,000 |
| Garfield County Washington | 2 | $ 282,000 | $ 141,000 | $ 51,000 |
| Sublette County Wyoming | 2 | $ 314,000 | $ 157,000 | $ 97,000 |
| Teton County Wyoming | 2 | $ 664,000 | $ 332,000 | $ 199,000 |
| Benton County Arkansas | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Calaveras County California | 1 | $ 913,000 | $ 913,000 | $ 237,000 |
| Del Norte County California | 1 | $ 272,000 | $ 272,000 | $ 86,000 |
| San Luis Obispo County California | 1 | $ 600,000 | $ 600,000 | $ 123,000 |
| Santa Clara County California | 1 | $ 400,000 | $ 400,000 | $ 59,000 |
| Sutter County California | 1 | $ 42,000 | $ 42,000 | $ 129,000 |
| Archuleta County Colorado | 1 | $ 330,000 | $ 330,000 | $ 184,000 |
| Clear Creek County Colorado | 1 | $ 1,440,000 | $ 1,440,000 | $ 554,000 |
| Elbert County Colorado | 1 | $ 185,000 | $ 185,000 | $ 30,000 |
| Garfield County Colorado | 1 | $ 392,000 | $ 392,000 | $ 117,000 |
| Gilpin County Colorado | 1 | $ 334,000 | $ 334,000 | $ 60,000 |
| Gunnison County Colorado | 1 | $ 333,000 | $ 333,000 | $ 68,000 |
| Lincoln County Colorado | 1 | $ 171,000 | $ 171,000 | $ 72,000 |
| Montrose County Colorado | 1 | $ 120,000 | $ 120,000 | $ 29,000 |
| Litchfield County Connecticut | 1 | $ 170,000 | $ 170,000 | $ 136,000 |
| New Castle County Delaware | 1 | $ 330,000 | $ 330,000 | $ 95,000 |
| Broward County Florida | 1 | $ 164,000 | $ 164,000 | $ 96,000 |
| Clay County Florida | 1 | $ 220,000 | $ 220,000 | $ 41,000 |
| Santa Rosa County Florida | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Bartow County Georgia | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Clark County Idaho | 1 | $ 9,000 | $ 9,000 | $ 42,000 |
| Lemhi County Idaho | 1 | $ 595,000 | $ 595,000 | $ 120,000 |
| Lewis County Idaho | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Kendall County Illinois | 1 | $ 146,000 | $ 146,000 | $ 22,000 |
| Lake County Illinois | 1 | $ 125,000 | $ 125,000 | $ 203,000 |
| Decatur County Indiana | 1 | $ 1,880,000 | $ 1,880,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Talbot County Maryland | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Livingston County Michigan | 1 | $ 198,000 | $ 198,000 | $ 67,000 |
| Oakland County Michigan | 1 | $ 330,000 | $ 330,000 | $ 177,000 |
| St. Clair County Michigan | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Anoka County Minnesota | 1 | $ 279,000 | $ 279,000 | $ 89,000 |
| Clay County Missouri | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| St. Louis County Missouri | 1 | $ 240,000 | $ 240,000 | $ 130,000 |
| Madison County Montana | 1 | $ 57,000 | $ 57,000 | $ 60,000 |
| Ravalli County Montana | 1 | $ 178,000 | $ 178,000 | $ 96,000 |
| Douglas County Nebraska | 1 | $ 650,000 | $ 650,000 | $ 433,000 |
| Sarpy County Nebraska | 1 | $ 189,000 | $ 189,000 | $ 97,000 |
| Carson City County Nevada | 1 | $ 359,000 | $ 359,000 | $ 124,000 |
| Hillsborough County New Hampshire | 1 | $ 278,000 | $ 278,000 | $ 140,000 |
| Ocean County New Jersey | 1 | $ 260,000 | $ 260,000 | $ 137,000 |
| Bernalillo County New Mexico | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Sandoval County New Mexico | 1 | $ 118,000 | $ 118,000 | $ 60,000 |
| Santa Fe County New Mexico | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| New York County New York | 1 | $ 1,045,000 | $ 1,045,000 | $ 1,487,000 |
| Cuyahoga County Ohio | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Franklin County Ohio | 1 | $ 1,060,000 | $ 1,060,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Summit County Ohio | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Washington County Ohio | 1 | $ 980,000 | $ 980,000 | $ 0 |
| Delaware County Oklahoma | 1 | $ 350,000 | $ 350,000 | $ 180,000 |
| Benton County Oregon | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Curry County Oregon | 1 | $ 220,000 | $ 220,000 | $ 75,000 |
| Marion County Oregon | 1 | $ 1,290,000 | $ 1,290,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 596,000 | $ 596,000 | $ 0 |
| Union County Oregon | 1 | $ 150,000 | $ 150,000 | $ 204,000 |
| Washington County Oregon | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 200,000 | $ 200,000 | $ 117,000 |
| Monroe County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 156,000 |
| Montgomery County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 159,000 |
| Philadelphia County Pennsylvania | 1 | $ 263,000 | $ 263,000 | $ 54,000 |
| Westmoreland County Pennsylvania | 1 | $ 311,000 | $ 311,000 | $ 120,000 |
| Horry County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 120,000 |
| Orangeburg County South Carolina | 1 | $ 770,000 | $ 770,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 938,000 | $ 938,000 | $ 0 |
| El Paso County Texas | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Harris County Texas | 1 | $ 957,000 | $ 957,000 | $ 0 |
| Midland County Texas | 1 | $ 4,000 | $ 4,000 | $ 42,000 |
| Montgomery County Texas | 1 | $ 629,000 | $ 629,000 | $ 542,000 |
| Tarrant County Texas | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Albemarle County Virginia | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Fairfax County Virginia | 1 | $ 190,000 | $ 190,000 | $ 167,000 |
| Hanover County Virginia | 1 | $ 314,000 | $ 314,000 | $ 115,000 |
| Williamsburg County Virginia | 1 | $ 262,000 | $ 262,000 | $ 167,000 |
| York County Virginia | 1 | $ 83,000 | $ 83,000 | $ 24,000 |
| Benton County Washington | 1 | $ 240,000 | $ 240,000 | $ 120,000 |
| Columbia County Washington | 1 | $ 66,000 | $ 66,000 | $ 50,000 |
| Pend Oreille County Washington | 1 | $ 224,000 | $ 224,000 | $ 191,000 |
| Whatcom County Washington | 1 | $ 306,000 | $ 306,000 | $ 86,000 |
| Brown County Wisconsin | 1 | $ 38,000 | $ 38,000 | $ 216,000 |
| Hot Springs County Wyoming | 1 | $ 80,000 | $ 80,000 | $ 147,000 |
| Laramie County Wyoming | 1 | $ 93,000 | $ 93,000 | $ 32,000 |
| Natrona County Wyoming | 1 | $ 118,000 | $ 118,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for Zions First National Bank in 2005
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 | 3,938 | $883,755,000 | $310,484 | $3,000,000 | $143,606 | $6,408,000 |
| Refinancing | 2,645 | $374,802,000 | $331,428 | $2,600,000 | $78,000 | $6,537,000 |
| Home Improvement | 1,024 | $59,070,000 | $75,000 | $1,000,000 | $61,090 | $720,000 |
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 | 6,687 | $1,150,021,000 | $251,451 | $3,000,000 | $164,000 | $6,537,000 |
| Not Provided | 401 | $96,521,000 | $394,480 | $2,000,000 | $64,840 | $1,918,000 |
| Hispanic | 293 | $31,442,000 | $210,090 | $1,000,000 | $82,181 | $552,000 |
| Asian | 114 | $18,535,000 | $233,500 | $600,000 | $100,300 | $500,000 |
| American Indian or Alaskan Native | 46 | $4,120,000 | $85,333 | $401,000 | $43,666 | $130,000 |
| Not applicable | 29 | $11,435,000 | $453,000 | $1,110,000 | $96,888 | $1,691,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $2,682,000 | $141,000 | $369,000 | $61,000 | $148,000 |
| Black or African American | 15 | $2,871,000 | $240,166 | $546,000 | $97,666 | $218,000 |
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) | 7,388 | $1,291,539,000 | $323,916 | $3,000,000 | $134,305 | $6,537,000 |
| FHA-insured (Federal Housing Administration) | 185 | $21,533,000 | $109,000 | $231,000 | $42,000 | $1,156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,230,000 | $107,000 | $165,000 | $36,500 | $53,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,325,000 | $149,500 | $356,000 | $54,000 | $170,000 |
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 | 4,377 | $713,831,000 | $365,714 | $3,000,000 | $67,714 | $6,537,000 |
| Application Denied By Financial Institution | 1,346 | $154,741,000 | $112,666 | $1,750,000 | $86,266 | $1,159,000 |
| Application Approved But Not Accepted | 1,152 | $230,994,000 | $249,214 | $2,639,000 | $98,214 | $4,687,000 |
| Loan Purchased By The Institution | 698 | $212,725,000 | $292,250 | $1,500,000 | $184,666 | $1,487,000 |
| Application Withdrawn By Applicant | 27 | $4,340,000 | $134,750 | $360,000 | $53,750 | $288,000 |
| File Closed For Incompleteness | 7 | $996,000 | $142,000 | $480,000 | $80,000 | $252,000 |
| 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 | 615 | $44,363,000 | $56,166 | $1,500,000 | $62,416 | $720,000 |
| Debt-To-Income Ratio | 400 | $61,751,000 | $176,125 | $1,145,000 | $64,500 | $470,000 |
| Collateral | 260 | $34,708,000 | $152,500 | $1,750,000 | $84,000 | $1,103,000 |
| Other | 33 | $4,124,000 | $132,833 | $650,000 | $143,166 | $600,000 |
| Unverifiable Information | 13 | $3,829,000 | $192,250 | $1,597,000 | $49,750 | $140,000 |
| Credit Application Incomplete | 12 | $3,588,000 | $277,000 | $1,250,000 | $378,500 | $1,159,000 |
| Employment History | 8 | $1,206,000 | $129,000 | $323,000 | $45,000 | $185,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,047,000 | $264,500 | $344,000 | $98,500 | $120,000 |
| Mortgage Insurance Denied | 1 | $125,000 | $125,000 | $125,000 | $63,000 | $63,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions First National Bank's 2005 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.