Zions First National Bank Mortgage Lending & HMDA Data, 2005
In 2005, Zions First National Bank of Salt Lake City, UT reported 7,607 mortgage applications totaling $1.3 billion, down 14% from 2004. The average application was for $173,212, and applicants reported an average income of $78,150. 58% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Salt Lake City, UT (1,464), Provo-Orem, UT (570) and St. George, UT (570) (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 | 7,607 |
| Total Mortgage Loan Application Amount | $1,317,627,000 |
| Average Mortgage Loan Application Amount | $173,212 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $78,150 |
| Highest Applicant Income | $6,537,000 |
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records Zions First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake City, UT | 1,464 | $ 297,594,000 | $ 203,274 | $ 94,000 |
| Provo-Orem, UT | 570 | $ 92,892,000 | $ 162,968 | $ 77,000 |
| St. George, UT | 570 | $ 89,297,000 | $ 156,661 | $ 64,000 |
| Ogden-Clearfield, UT | 529 | $ 93,037,000 | $ 175,873 | $ 91,000 |
| Logan, UT-ID | 352 | $ 51,877,000 | $ 147,377 | $ 69,000 |
| Idaho Falls, ID | 332 | $ 55,429,000 | $ 166,954 | $ 71,000 |
| Phoenix-Mesa-Scottsdale, AZ | 150 | $ 58,767,000 | $ 391,780 | $ 70,000 |
| Boise City-Nampa, ID | 139 | $ 21,620,000 | $ 155,539 | $ 83,000 |
| Pocatello, ID | 121 | $ 14,011,000 | $ 115,793 | $ 73,000 |
| Lewiston, ID-WA | 67 | $ 7,422,000 | $ 110,776 | $ 67,000 |
| Flagstaff, AZ | 53 | $ 12,155,000 | $ 229,339 | $ 84,000 |
| Prescott, AZ | 48 | $ 13,467,000 | $ 280,562 | $ 92,000 |
| Las Vegas-Paradise, NV | 47 | $ 13,261,000 | $ 282,148 | $ 106,000 |
| Edison, NJ | 45 | $ 11,698,000 | $ 259,955 | $ 151,000 |
| Tucson, AZ | 44 | $ 16,502,000 | $ 375,045 | $ 173,000 |
| Denver-Aurora, CO | 41 | $ 12,005,000 | $ 292,804 | $ 111,000 |
| Yuma, AZ | 31 | $ 4,913,000 | $ 158,483 | $ 57,000 |
| Sarasota-Bradenton-Venice, FL | 26 | $ 4,824,000 | $ 185,538 | $ 91,000 |
| Reno-Sparks, NV | 25 | $ 7,755,000 | $ 310,200 | $ 150,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 18 | $ 3,257,000 | $ 180,944 | $ 71,000 |
| Colorado Springs, CO | 17 | $ 7,550,000 | $ 444,117 | $ 131,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 5,327,000 | $ 355,133 | $ 92,000 |
| Naples-Marco Island, FL | 14 | $ 4,138,000 | $ 295,571 | $ 118,000 |
| Fresno, CA | 13 | $ 5,692,000 | $ 437,846 | $ 174,000 |
| Grand Junction, CO | 11 | $ 2,087,000 | $ 189,727 | $ 82,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 11 | $ 2,393,000 | $ 217,545 | $ 162,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,216,000 | $ 221,600 | $ 101,000 |
| Chicago-Naperville-Joliet, IL | 10 | $ 1,743,000 | $ 174,300 | $ 83,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 1,989,000 | $ 221,000 | $ 91,000 |
| Fort Collins-Loveland, CO | 7 | $ 2,024,000 | $ 289,142 | $ 164,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 4,737,000 | $ 789,500 | $ 311,000 |
| Coeur D'Alene, ID | 5 | $ 718,000 | $ 143,600 | $ 58,000 |
| Greeley, CO | 5 | $ 1,393,000 | $ 278,600 | $ 89,000 |
| Jacksonville, FL | 5 | $ 1,038,000 | $ 207,600 | $ 93,000 |
| Philadelphia, PA | 5 | $ 1,300,000 | $ 260,000 | $ 112,000 |
| Visalia-Porterville, CA | 5 | $ 1,150,000 | $ 230,000 | $ 90,000 |
| Bakersfield, CA | 4 | $ 671,000 | $ 167,750 | $ 51,000 |
| Farmington, NM | 4 | $ 673,000 | $ 168,250 | $ 56,000 |
| Newark-Union, NJ-PA | 4 | $ 1,508,000 | $ 377,000 | $ 180,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 2,521,000 | $ 630,250 | $ 374,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,317,000 | $ 329,250 | $ 90,000 |
| Trenton-Ewing, NJ | 4 | $ 1,463,000 | $ 365,750 | $ 116,000 |
| Boulder, CO | 3 | $ 1,003,000 | $ 334,333 | $ 132,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 1,575,000 | $ 525,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 1,451,000 | $ 483,666 | $ 23,000 |
| Kansas City, MO-KS | 3 | $ 758,000 | $ 252,666 | $ 63,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,718,000 | $ 572,666 | $ 166,000 |
| Madera, CA | 3 | $ 1,005,000 | $ 335,000 | $ 111,000 |
| Pueblo, CO | 3 | $ 454,000 | $ 151,333 | $ 67,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 1,820,000 | $ 606,666 | $ 253,000 |
| Spokane, WA | 3 | $ 640,000 | $ 213,333 | $ 47,000 |
| St. Louis, MO-IL | 3 | $ 685,000 | $ 228,333 | $ 100,000 |
| Warren-Farmington Hills-Troy, MI | 3 | $ 663,000 | $ 221,000 | $ 96,000 |
| Yuba City, CA | 3 | $ 532,000 | $ 177,333 | $ 90,000 |
| Albuquerque, NM | 2 | $ 223,000 | $ 111,500 | $ 55,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 345,000 | $ 172,500 | $ 75,000 |
| Houston-Baytown-Sugar Land, TX | 2 | $ 1,586,000 | $ 793,000 | $ 271,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 839,000 | $ 419,500 | $ 265,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 210,000 | $ 105,000 | $ 56,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 746,000 | $ 373,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 180,000 | $ 90,000 | $ 87,000 |
| Vallejo-Fairfield, CA | 2 | $ 1,503,000 | $ 751,500 | $ 165,000 |
| Akron, OH | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Bellingham, WA | 1 | $ 306,000 | $ 306,000 | $ 86,000 |
| Carson City, NV | 1 | $ 359,000 | $ 359,000 | $ 124,000 |
| Casper, WY | 1 | $ 118,000 | $ 118,000 | $ 33,000 |
| Charlottesville, VA | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Cheyenne, WY | 1 | $ 93,000 | $ 93,000 | $ 32,000 |
| Columbus, OH | 1 | $ 1,060,000 | $ 1,060,000 | $ 0 |
| Corvallis, OR | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Dayton, OH | 1 | $ 141,000 | $ 141,000 | $ 0 |
| El Paso, TX | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 164,000 | $ 164,000 | $ 96,000 |
| Fort Worth-Arlington, TX | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Green Bay, WI | 1 | $ 38,000 | $ 38,000 | $ 216,000 |
| Indianapolis, IN | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 240,000 | $ 240,000 | $ 120,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 125,000 | $ 125,000 | $ 203,000 |
| Manchester-Nashua, NH | 1 | $ 278,000 | $ 278,000 | $ 140,000 |
| Midland, TX | 1 | $ 4,000 | $ 4,000 | $ 42,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 120,000 | $ 120,000 | $ 120,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 938,000 | $ 938,000 | $ 0 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 1,045,000 | $ 1,045,000 | $ 1,487,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Pittsburgh, PA | 1 | $ 311,000 | $ 311,000 | $ 120,000 |
| Richmond, VA | 1 | $ 314,000 | $ 314,000 | $ 115,000 |
| Salem, OR | 1 | $ 1,290,000 | $ 1,290,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 400,000 | $ 400,000 | $ 59,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 600,000 | $ 600,000 | $ 123,000 |
| Santa Fe, NM | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Wilmington, DE-MD-NJ | 1 | $ 330,000 | $ 330,000 | $ 95,000 |
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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