Zions First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Zions First National Bank 2007 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 | 5,774 |
| Total Mortgage Loan Application Amount | $1,383,896,000 |
| Average Mortgage Loan Application Amount | $191,666 |
| Highest Mortgage Loan Application Amount | $10,800,000 |
| Average Applicant Income | $95,333 |
| Highest Applicant Income | $6,572,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 947 | $ 195,826,000 | $ 206,000 | $ 105,000 |
| Utah County Utah | 491 | $ 110,204,000 | $ 224,000 | $ 129,000 |
| Washington County Utah | 350 | $ 75,272,000 | $ 215,000 | $ 103,000 |
| Davis County Utah | 264 | $ 54,782,000 | $ 207,000 | $ 95,000 |
| Cache County Utah | 250 | $ 39,628,000 | $ 158,000 | $ 83,000 |
| Weber County Utah | 158 | $ 28,224,000 | $ 178,000 | $ 94,000 |
| Sevier County Utah | 152 | $ 18,410,000 | $ 121,000 | $ 68,000 |
| Uintah County Utah | 152 | $ 21,325,000 | $ 140,000 | $ 72,000 |
| Bonneville County Idaho | 137 | $ 25,957,000 | $ 189,000 | $ 97,000 |
| Iron County Utah | 126 | $ 24,854,000 | $ 197,000 | $ 128,000 |
| Summit County Utah | 121 | $ 67,746,000 | $ 559,000 | $ 270,000 |
| Millard County Utah | 104 | $ 11,091,000 | $ 106,000 | $ 72,000 |
| Bannock County Idaho | 95 | $ 11,254,000 | $ 118,000 | $ 72,000 |
| Duchesne County Utah | 94 | $ 8,917,000 | $ 94,000 | $ 73,000 |
| Sanpete County Utah | 91 | $ 10,943,000 | $ 120,000 | $ 61,000 |
| Box Elder County Utah | 89 | $ 14,389,000 | $ 161,000 | $ 66,000 |
| Maricopa County Arizona | 83 | $ 65,144,000 | $ 784,000 | $ 240,000 |
| Kane County Utah | 75 | $ 13,706,000 | $ 182,000 | $ 104,000 |
| Carbon County Utah | 71 | $ 5,740,000 | $ 80,000 | $ 61,000 |
| Bingham County Idaho | 70 | $ 10,929,000 | $ 156,000 | $ 83,000 |
| Wasatch County Utah | 66 | $ 29,557,000 | $ 447,000 | $ 195,000 |
| Tooele County Utah | 64 | $ 9,679,000 | $ 151,000 | $ 64,000 |
| Coconino County Arizona | 63 | $ 21,918,000 | $ 347,000 | $ 141,000 |
| Ada County Idaho | 62 | $ 15,930,000 | $ 256,000 | $ 134,000 |
| Canyon County Idaho | 61 | $ 8,441,000 | $ 138,000 | $ 71,000 |
| Latah County Idaho | 60 | $ 9,113,000 | $ 151,000 | $ 82,000 |
| Nez Perce County Idaho | 60 | $ 8,388,000 | $ 139,000 | $ 76,000 |
| Jefferson County Idaho | 58 | $ 8,948,000 | $ 154,000 | $ 76,000 |
| Twin Falls County Idaho | 57 | $ 8,842,000 | $ 155,000 | $ 85,000 |
| Mohave County Arizona | 55 | $ 17,264,000 | $ 313,000 | $ 242,000 |
| Yavapai County Arizona | 52 | $ 22,130,000 | $ 425,000 | $ 138,000 |
| Garfield County Utah | 52 | $ 7,265,000 | $ 139,000 | $ 71,000 |
| San Juan County Utah | 50 | $ 4,722,000 | $ 94,000 | $ 57,000 |
| Bear Lake County Idaho | 48 | $ 5,314,000 | $ 110,000 | $ 89,000 |
| Emery County Utah | 48 | $ 4,131,000 | $ 86,000 | $ 65,000 |
| Pima County Arizona | 42 | $ 20,292,000 | $ 483,000 | $ 144,000 |
| Grand County Utah | 42 | $ 6,321,000 | $ 150,000 | $ 91,000 |
| Payette County Idaho | 39 | $ 4,221,000 | $ 108,000 | $ 51,000 |
| Rich County Utah | 38 | $ 6,205,000 | $ 163,000 | $ 119,000 |
| Clark County Nevada | 36 | $ 16,114,000 | $ 447,000 | $ 120,000 |
| Los Angeles County California | 33 | $ 41,882,000 | $ 1,269,000 | $ 1,000 |
| Washington County Idaho | 33 | $ 2,613,000 | $ 79,000 | $ 42,000 |
| Madison County Idaho | 32 | $ 8,759,000 | $ 273,000 | $ 87,000 |
| Cassia County Idaho | 28 | $ 3,390,000 | $ 121,000 | $ 58,000 |
| Navajo County Arizona | 27 | $ 5,963,000 | $ 220,000 | $ 124,000 |
| Fremont County Idaho | 25 | $ 6,121,000 | $ 244,000 | $ 176,000 |
| Yuma County Arizona | 22 | $ 5,666,000 | $ 257,000 | $ 88,000 |
| Gila County Arizona | 21 | $ 6,316,000 | $ 300,000 | $ 125,000 |
| Minidoka County Idaho | 20 | $ 1,674,000 | $ 83,000 | $ 131,000 |
| Cochise County Arizona | 15 | $ 4,044,000 | $ 269,000 | $ 106,000 |
| Gooding County Idaho | 15 | $ 1,097,000 | $ 73,000 | $ 60,000 |
| Owyhee County Idaho | 15 | $ 1,493,000 | $ 99,000 | $ 68,000 |
| Mesa County Colorado | 14 | $ 5,980,000 | $ 427,000 | $ 123,000 |
| Beaver County Utah | 14 | $ 1,920,000 | $ 137,000 | $ 73,000 |
| Jerome County Idaho | 13 | $ 1,616,000 | $ 124,000 | $ 66,000 |
| Lincoln County Wyoming | 13 | $ 2,163,000 | $ 166,000 | $ 121,000 |
| Pinal County Arizona | 12 | $ 4,399,000 | $ 366,000 | $ 93,000 |
| Montezuma County Colorado | 12 | $ 2,272,000 | $ 189,000 | $ 95,000 |
| Asotin County Washington | 12 | $ 1,939,000 | $ 161,000 | $ 63,000 |
| Whitman County Washington | 12 | $ 2,271,000 | $ 189,000 | $ 72,000 |
| Malheur County Oregon | 11 | $ 1,810,000 | $ 164,000 | $ 91,000 |
| Piute County Utah | 11 | $ 1,171,000 | $ 106,000 | $ 58,000 |
| Franklin County Idaho | 10 | $ 1,578,000 | $ 157,000 | $ 55,000 |
| Elko County Nevada | 10 | $ 1,473,000 | $ 147,000 | $ 41,000 |
| Juab County Utah | 10 | $ 2,226,000 | $ 222,000 | $ 91,000 |
| Alameda County California | 9 | $ 9,614,000 | $ 1,068,000 | $ 124,000 |
| Denver County Colorado | 9 | $ 6,206,000 | $ 689,000 | $ 193,000 |
| San Diego County California | 8 | $ 7,595,000 | $ 949,000 | $ 103,000 |
| Wayne County Utah | 8 | $ 707,000 | $ 88,000 | $ 79,000 |
| Orange County California | 7 | $ 7,982,000 | $ 1,140,000 | $ 273,000 |
| Elmore County Idaho | 7 | $ 1,749,000 | $ 249,000 | $ 117,000 |
| Teton County Idaho | 7 | $ 3,219,000 | $ 459,000 | $ 231,000 |
| Valley County Idaho | 7 | $ 2,276,000 | $ 325,000 | $ 122,000 |
| Morgan County Utah | 7 | $ 2,357,000 | $ 336,000 | $ 87,000 |
| Riverside County California | 6 | $ 6,326,000 | $ 1,054,000 | $ 242,000 |
| San Bernardino County California | 6 | $ 3,124,000 | $ 520,000 | $ 20,000 |
| Jefferson County Colorado | 6 | $ 3,242,000 | $ 540,000 | $ 234,000 |
| Blaine County Idaho | 6 | $ 2,013,000 | $ 335,000 | $ 206,000 |
| Lincoln County Idaho | 6 | $ 764,000 | $ 127,000 | $ 69,000 |
| La Plata County Colorado | 5 | $ 3,140,000 | $ 628,000 | $ 139,000 |
| Montrose County Colorado | 5 | $ 1,552,000 | $ 310,000 | $ 103,000 |
| Caribou County Idaho | 5 | $ 226,000 | $ 45,000 | $ 53,000 |
| Custer County Idaho | 5 | $ 613,000 | $ 122,000 | $ 45,000 |
| Power County Idaho | 5 | $ 549,000 | $ 109,000 | $ 98,000 |
| Washoe County Nevada | 5 | $ 1,213,000 | $ 242,000 | $ 178,000 |
| Midland County Texas | 5 | $ 26,064,000 | $ 5,212,000 | $ 0 |
| Spokane County Washington | 5 | $ 1,413,000 | $ 282,000 | $ 79,000 |
| Apache County Arizona | 4 | $ 537,000 | $ 134,000 | $ 101,000 |
| Graham County Arizona | 4 | $ 657,000 | $ 164,000 | $ 43,000 |
| Archuleta County Colorado | 4 | $ 1,852,000 | $ 463,000 | $ 107,000 |
| Pueblo County Colorado | 4 | $ 997,000 | $ 249,000 | $ 73,000 |
| Summit County Colorado | 4 | $ 4,009,000 | $ 1,002,000 | $ 375,000 |
| Oneida County Idaho | 4 | $ 409,000 | $ 102,000 | $ 52,000 |
| Ector County Texas | 4 | $ 17,966,000 | $ 4,491,000 | $ 0 |
| King County Washington | 4 | $ 6,530,000 | $ 1,632,000 | $ 0 |
| Anchorage County Alaska | 3 | $ 1,919,000 | $ 639,000 | $ 0 |
| Fresno County California | 3 | $ 1,578,000 | $ 526,000 | $ 61,000 |
| Boulder County Colorado | 3 | $ 2,197,000 | $ 732,000 | $ 176,000 |
| Douglas County Colorado | 3 | $ 2,417,000 | $ 805,000 | $ 216,000 |
| El Paso County Colorado | 3 | $ 1,950,000 | $ 650,000 | $ 138,000 |
| Garfield County Colorado | 3 | $ 941,000 | $ 313,000 | $ 125,000 |
| Pitkin County Colorado | 3 | $ 685,000 | $ 228,000 | $ 88,000 |
| Routt County Colorado | 3 | $ 1,503,000 | $ 501,000 | $ 310,000 |
| San Miguel County Colorado | 3 | $ 2,810,000 | $ 936,000 | $ 249,000 |
| Teller County Colorado | 3 | $ 1,712,000 | $ 570,000 | $ 198,000 |
| Adams County Idaho | 3 | $ 246,000 | $ 82,000 | $ 46,000 |
| Kootenai County Idaho | 3 | $ 1,369,000 | $ 456,000 | $ 469,000 |
| Shoshone County Idaho | 3 | $ 143,000 | $ 47,000 | $ 20,000 |
| Lincoln County Nevada | 3 | $ 655,000 | $ 218,000 | $ 89,000 |
| Nye County Nevada | 3 | $ 1,433,000 | $ 477,000 | $ 37,000 |
| Middlesex County New Jersey | 3 | $ 580,000 | $ 193,000 | $ 251,000 |
| Bernalillo County New Mexico | 3 | $ 5,467,000 | $ 1,822,000 | $ 0 |
| Multnomah County Oregon | 3 | $ 2,282,000 | $ 760,000 | $ 0 |
| Sublette County Wyoming | 3 | $ 914,000 | $ 304,000 | $ 96,000 |
| Greenlee County Arizona | 2 | $ 179,000 | $ 89,000 | $ 46,000 |
| La Paz County Arizona | 2 | $ 1,099,000 | $ 549,000 | $ 131,000 |
| Arapahoe County Colorado | 2 | $ 426,000 | $ 213,000 | $ 28,000 |
| Fremont County Colorado | 2 | $ 972,000 | $ 486,000 | $ 143,000 |
| Moffat County Colorado | 2 | $ 379,000 | $ 189,000 | $ 71,000 |
| Ouray County Colorado | 2 | $ 1,295,000 | $ 647,000 | $ 210,000 |
| Weld County Colorado | 2 | $ 1,323,000 | $ 661,000 | $ 170,000 |
| Butte County Idaho | 2 | $ 435,000 | $ 217,000 | $ 47,000 |
| Camas County Idaho | 2 | $ 550,000 | $ 275,000 | $ 149,000 |
| Clark County Idaho | 2 | $ 169,000 | $ 84,000 | $ 62,000 |
| Clearwater County Idaho | 2 | $ 488,000 | $ 244,000 | $ 298,000 |
| Gem County Idaho | 2 | $ 547,000 | $ 273,000 | $ 78,000 |
| Idaho County Idaho | 2 | $ 360,000 | $ 180,000 | $ 72,000 |
| Lemhi County Idaho | 2 | $ 202,000 | $ 101,000 | $ 58,000 |
| Cumberland County Maine | 2 | $ 1,028,000 | $ 514,000 | $ 0 |
| Hamilton County Ohio | 2 | $ 1,617,000 | $ 808,000 | $ 0 |
| Baker County Oregon | 2 | $ 280,000 | $ 140,000 | $ 49,000 |
| Lincoln County Oregon | 2 | $ 426,000 | $ 213,000 | $ 140,000 |
| Daggett County Utah | 2 | $ 192,000 | $ 96,000 | $ 65,000 |
| Benton County Washington | 2 | $ 355,000 | $ 177,000 | $ 105,000 |
| Garfield County Washington | 2 | $ 405,000 | $ 202,000 | $ 75,000 |
| Walla Walla County Washington | 2 | $ 427,000 | $ 213,000 | $ 134,000 |
| Sweetwater County Wyoming | 2 | $ 250,000 | $ 125,000 | $ 156,000 |
| Jefferson County Arkansas | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Saline County Arkansas | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Contra Costa County California | 1 | $ 1,940,000 | $ 1,940,000 | $ 0 |
| Del Norte County California | 1 | $ 268,000 | $ 268,000 | $ 105,000 |
| Humboldt County California | 1 | $ 380,000 | $ 380,000 | $ 105,000 |
| Kern County California | 1 | $ 158,000 | $ 158,000 | $ 35,000 |
| Kings County California | 1 | $ 197,000 | $ 197,000 | $ 49,000 |
| Mariposa County California | 1 | $ 430,000 | $ 430,000 | $ 141,000 |
| Merced County California | 1 | $ 321,000 | $ 321,000 | $ 0 |
| Placer County California | 1 | $ 326,000 | $ 326,000 | $ 156,000 |
| San Mateo County California | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Solano County California | 1 | $ 2,520,000 | $ 2,520,000 | $ 403,000 |
| Stanislaus County California | 1 | $ 155,000 | $ 155,000 | $ 1,078,000 |
| Adams County Colorado | 1 | $ 136,000 | $ 136,000 | $ 72,000 |
| Clear Creek County Colorado | 1 | $ 309,000 | $ 309,000 | $ 146,000 |
| Delta County Colorado | 1 | $ 417,000 | $ 417,000 | $ 385,000 |
| Dolores County Colorado | 1 | $ 320,000 | $ 320,000 | $ 96,000 |
| Eagle County Colorado | 1 | $ 600,000 | $ 600,000 | $ 118,000 |
| Elbert County Colorado | 1 | $ 577,000 | $ 577,000 | $ 139,000 |
| Grand County Colorado | 1 | $ 260,000 | $ 260,000 | $ 109,000 |
| Park County Colorado | 1 | $ 210,000 | $ 210,000 | $ 145,000 |
| Rio Blanco County Colorado | 1 | $ 100,000 | $ 100,000 | $ 102,000 |
| Rio Grande County Colorado | 1 | $ 450,000 | $ 450,000 | $ 180,000 |
| Kent County Delaware | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Broward County Florida | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Hernando County Florida | 1 | $ 646,000 | $ 646,000 | $ 0 |
| Lee County Florida | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| Manatee County Florida | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Miami-Dade County Florida | 1 | $ 927,000 | $ 927,000 | $ 0 |
| Pinellas County Florida | 1 | $ 500,000 | $ 500,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Lowndes County Georgia | 1 | $ 2,010,000 | $ 2,010,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 1,000 | $ 1,000 | $ 49,000 |
| Kauai County Hawaii | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Maui County Hawaii | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Benewah County Idaho | 1 | $ 210,000 | $ 210,000 | $ 124,000 |
| Boise County Idaho | 1 | $ 123,000 | $ 123,000 | $ 21,000 |
| Bonner County Idaho | 1 | $ 1,000,000 | $ 1,000,000 | $ 330,000 |
| Lewis County Idaho | 1 | $ 24,000 | $ 24,000 | $ 39,000 |
| Elkhart County Indiana | 1 | $ 511,000 | $ 511,000 | $ 0 |
| Dubuque County Iowa | 1 | $ 509,000 | $ 509,000 | $ 0 |
| Sedgwick County Kansas | 1 | $ 3,000 | $ 3,000 | $ 7,000 |
| East Baton Rouge County Louisiana | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Iberia County Louisiana | 1 | $ 790,000 | $ 790,000 | $ 0 |
| Lafayette County Louisiana | 1 | $ 450,000 | $ 450,000 | $ 0 |
| St. Tammany County Louisiana | 1 | $ 1,097,000 | $ 1,097,000 | $ 0 |
| Eaton County Michigan | 1 | $ 1,062,000 | $ 1,062,000 | $ 0 |
| Macomb County Michigan | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 86,000 |
| Lafayette County Mississippi | 1 | $ 1,230,000 | $ 1,230,000 | $ 0 |
| Cascade County Montana | 1 | $ 180,000 | $ 180,000 | $ 84,000 |
| Glacier County Montana | 1 | $ 72,000 | $ 72,000 | $ 44,000 |
| Yellowstone County Montana | 1 | $ 151,000 | $ 151,000 | $ 72,000 |
| Douglas County Nebraska | 1 | $ 458,000 | $ 458,000 | $ 0 |
| White Pine County Nevada | 1 | $ 213,000 | $ 213,000 | $ 86,000 |
| Monmouth County New Jersey | 1 | $ 1,240,000 | $ 1,240,000 | $ 0 |
| Curry County New Mexico | 1 | $ 889,000 | $ 889,000 | $ 0 |
| Dona Ana County New Mexico | 1 | $ 260,000 | $ 260,000 | $ 156,000 |
| Otero County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
| Roosevelt County New Mexico | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
| San Juan County New Mexico | 1 | $ 98,000 | $ 98,000 | $ 64,000 |
| Santa Fe County New Mexico | 1 | $ 750,000 | $ 750,000 | $ 300,000 |
| Westchester County New York | 1 | $ 796,000 | $ 796,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Columbia County Oregon | 1 | $ 591,000 | $ 591,000 | $ 144,000 |
| Grant County Oregon | 1 | $ 248,000 | $ 248,000 | $ 88,000 |
| Marion County Oregon | 1 | $ 1,776,000 | $ 1,776,000 | $ 0 |
| Polk County Oregon | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Union County Oregon | 1 | $ 140,000 | $ 140,000 | $ 71,000 |
| Wallowa County Oregon | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Washington County Oregon | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Horry County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Knox County Tennessee | 1 | $ 563,000 | $ 563,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 2,765,000 | $ 2,765,000 | $ 0 |
| Calhoun County Texas | 1 | $ 275,000 | $ 275,000 | $ 81,000 |
| Collin County Texas | 1 | $ 1,900,000 | $ 1,900,000 | $ 0 |
| Dallas County Texas | 1 | $ 2,000 | $ 2,000 | $ 0 |
| El Paso County Texas | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Harris County Texas | 1 | $ 197,000 | $ 197,000 | $ 71,000 |
| Travis County Texas | 1 | $ 899,000 | $ 899,000 | $ 0 |
| Williamson County Texas | 1 | $ 80,000 | $ 80,000 | $ 182,000 |
| Grant County Washington | 1 | $ 210,000 | $ 210,000 | $ 104,000 |
| Pend Oreille County Washington | 1 | $ 272,000 | $ 272,000 | $ 74,000 |
| Snohomish County Washington | 1 | $ 253,000 | $ 253,000 | $ 0 |
| Grant County Wisconsin | 1 | $ 762,000 | $ 762,000 | $ 0 |
| Teton County Wyoming | 1 | $ 417,000 | $ 417,000 | $ 840,000 |
| Uinta County Wyoming | 1 | $ 81,000 | $ 81,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Zions First National Bank in 2007
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 | 2,819 | $922,793,000 | $327,000 | $10,800,000 | $127,000 | $6,572,000 |
| Refinancing | 2,151 | $416,610,000 | $193,000 | $6,000,000 | $87,000 | $3,384,000 |
| Home Improvement | 804 | $44,493,000 | $55,000 | $1,950,000 | $72,000 | $1,750,000 |
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 | 4,780 | $1,025,617,000 | $214,000 | $6,000,000 | $108,000 | $6,572,000 |
| Not Provided | 369 | $104,080,000 | $282,000 | $2,801,000 | $131,000 | $1,504,000 |
| Hispanic | 361 | $68,636,000 | $190,000 | $3,619,000 | $70,000 | $1,750,000 |
| Not applicable | 139 | $155,180,000 | $1,116,000 | $10,800,000 | $0 | $0 |
| Asian | 66 | $15,589,000 | $236,000 | $1,491,000 | $98,000 | $450,000 |
| American Indian or Alaskan Native | 31 | $4,283,000 | $138,000 | $565,000 | $94,000 | $384,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $5,950,000 | $313,000 | $2,979,000 | $109,000 | $793,000 |
| Black or African American | 9 | $4,561,000 | $506,000 | $3,000,000 | $170,000 | $732,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,568 | $1,353,209,000 | $243,000 | $10,800,000 | $106,000 | $6,572,000 |
| FHA-insured (Federal Housing Administration) | 189 | $27,274,000 | $144,000 | $246,000 | $51,000 | $304,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,992,000 | $213,000 | $409,000 | $59,000 | $121,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $421,000 | $140,000 | $212,000 | $34,000 | $45,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,100 | $581,832,000 | $187,000 | $3,500,000 | $100,000 | $2,873,000 |
| Application Denied By Financial Institution | 1,153 | $220,320,000 | $191,000 | $3,619,000 | $90,000 | $6,572,000 |
| Application Approved But Not Accepted | 991 | $241,989,000 | $244,000 | $6,000,000 | $109,000 | $2,102,000 |
| Loan Purchased By The Institution | 499 | $313,973,000 | $629,000 | $10,800,000 | $150,000 | $2,658,000 |
| Application Withdrawn By Applicant | 27 | $24,366,000 | $902,000 | $3,500,000 | $133,000 | $2,102,000 |
| File Closed For Incompleteness | 4 | $1,416,000 | $354,000 | $960,000 | $165,000 | $540,000 |
| 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 | 588 | $62,678,000 | $106,000 | $1,400,000 | $75,000 | $3,384,000 |
| Debt-To-Income Ratio | 258 | $65,823,000 | $255,000 | $2,860,000 | $95,000 | $6,572,000 |
| Collateral | 195 | $42,012,000 | $215,000 | $2,673,000 | $102,000 | $720,000 |
| Other | 49 | $22,104,000 | $451,000 | $3,619,000 | $121,000 | $965,000 |
| Unverifiable Information | 27 | $6,292,000 | $233,000 | $1,400,000 | $91,000 | $456,000 |
| Credit Application Incomplete | 19 | $9,804,000 | $516,000 | $1,950,000 | $152,000 | $420,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $10,665,000 | $888,000 | $2,860,000 | $262,000 | $912,000 |
| Employment History | 4 | $714,000 | $178,000 | $295,000 | $59,000 | $144,000 |
| Mortgage Insurance Denied | 1 | $228,000 | $228,000 | $228,000 | $67,000 | $67,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions First National Bank's 2007 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.