Zions Bancorporation, N.A. Mortgage Lending & HMDA Data, 2011

In 2011, Zions Bancorporation, N.A. of Denver, CO reported 6,873 mortgage applications totaling $1.3 billion. The average application was for $190,786, and applicants reported an average income of $116,371. 52% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Salt Lake City, UT (1,405), Ogden-Clearfield, UT (605) and Provo-Orem, UT (523) (applications in parentheses).

Mortgage Company & Address Zions Bancorporation, N.A.

Denver, CO 80237
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 6,873
Total Mortgage Loan Application Amount $1,311,274,000
Average Mortgage Loan Application Amount $190,786
Highest Mortgage Loan Application Amount $3,960,000
Average Applicant Income $116,371
Highest Applicant Income $5,732,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Zions Bancorporation, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Zions Bancorporation, N.A. by County in 2011

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 1,172 $ 256,810,000 $ 219,121 $ 124,000
Utah, Utah 509 $ 89,697,000 $ 176,222 $ 119,000
Washington, Utah 506 $ 108,133,000 $ 213,701 $ 137,000
Davis, Utah 408 $ 88,578,000 $ 217,102 $ 112,000
Cache, Utah 372 $ 56,900,000 $ 152,956 $ 79,000
Summit, Utah 186 $ 90,624,000 $ 487,225 $ 238,000
Weber, Utah 182 $ 34,910,000 $ 191,813 $ 117,000
Bonneville, Idaho 149 $ 27,692,000 $ 185,852 $ 148,000
Sevier, Utah 143 $ 13,630,000 $ 95,314 $ 74,000
Box Elder, Utah 140 $ 21,767,000 $ 155,478 $ 75,000
Ada, Idaho 131 $ 25,428,000 $ 194,106 $ 146,000
Millard, Utah 127 $ 10,830,000 $ 85,275 $ 68,000
Latah, Idaho 125 $ 22,859,000 $ 182,872 $ 95,000
Uintah, Utah 121 $ 16,008,000 $ 132,297 $ 84,000
Sanpete, Utah 119 $ 12,967,000 $ 108,966 $ 79,000
Wasatch, Utah 118 $ 29,464,000 $ 249,694 $ 174,000
Iron, Utah 114 $ 13,449,000 $ 117,973 $ 112,000
Los Angeles, California 101 $ 28,484,000 $ 282,019 $ 137,000
Canyon, Idaho 89 $ 11,173,000 $ 125,539 $ 89,000
Grand, Utah 89 $ 18,060,000 $ 202,921 $ 104,000
San Diego, California 88 $ 26,673,000 $ 303,102 $ 156,000
Clark, Nevada 87 $ 14,224,000 $ 163,494 $ 172,000
Bannock, Idaho 85 $ 11,122,000 $ 130,847 $ 76,000
Kane, Utah 83 $ 11,627,000 $ 140,084 $ 87,000
Bear Lake, Idaho 82 $ 10,815,000 $ 131,890 $ 101,000
Duchesne, Utah 78 $ 9,912,000 $ 127,076 $ 84,000
Jefferson, Idaho 74 $ 8,530,000 $ 115,270 $ 87,000
Bingham, Idaho 67 $ 9,068,000 $ 135,343 $ 78,000
Emery, Utah 64 $ 6,261,000 $ 97,828 $ 78,000
San Juan, Utah 64 $ 6,983,000 $ 109,109 $ 69,000
Carbon, Utah 56 $ 6,150,000 $ 109,821 $ 89,000
Orange, California 53 $ 16,442,000 $ 310,226 $ 164,000
Blaine, Idaho 53 $ 16,046,000 $ 302,754 $ 264,000
Whitman, Washington 50 $ 10,295,000 $ 205,900 $ 83,000
Tooele, Utah 47 $ 7,882,000 $ 167,702 $ 82,000
Twin Falls, Idaho 44 $ 5,806,000 $ 131,954 $ 68,000
Maricopa, Arizona 43 $ 8,513,000 $ 197,976 $ 148,000
Garfield, Utah 43 $ 4,278,000 $ 99,488 $ 83,000
Payette, Idaho 37 $ 4,207,000 $ 113,702 $ 68,000
Cassia, Idaho 36 $ 3,877,000 $ 107,694 $ 65,000
Madison, Idaho 35 $ 4,610,000 $ 131,714 $ 115,000
Franklin, Idaho 31 $ 5,596,000 $ 180,516 $ 92,000
San Bernardino, California 29 $ 6,106,000 $ 210,551 $ 158,000
Nez Perce, Idaho 27 $ 3,174,000 $ 117,555 $ 62,000
Rich, Utah 25 $ 4,208,000 $ 168,320 $ 120,000
Riverside, California 24 $ 4,441,000 $ 185,041 $ 97,000
Minidoka, Idaho 23 $ 4,371,000 $ 190,043 $ 140,000
Yavapai, Arizona 21 $ 3,851,000 $ 183,380 $ 70,000
Fresno, California 20 $ 4,556,000 $ 227,800 $ 152,000
Coconino, Arizona 19 $ 2,571,000 $ 135,315 $ 87,000
Sacramento, California 19 $ 3,513,000 $ 184,894 $ 119,000
Washington, Idaho 19 $ 1,779,000 $ 93,631 $ 68,000
Malheur, Oregon 18 $ 2,049,000 $ 113,833 $ 83,000
Fremont, Idaho 16 $ 3,404,000 $ 212,750 $ 206,000
Gooding, Idaho 16 $ 1,131,000 $ 70,687 $ 90,000
Morgan, Utah 15 $ 4,995,000 $ 333,000 $ 155,000
Alameda, California 14 $ 4,674,000 $ 333,857 $ 172,000
Juab, Utah 14 $ 1,837,000 $ 131,214 $ 58,000
Beaver, Utah 13 $ 1,362,000 $ 104,769 $ 60,000
Piute, Utah 12 $ 1,202,000 $ 100,166 $ 47,000
Elko, Nevada 11 $ 1,798,000 $ 163,454 $ 65,000
Santa Clara, California 10 $ 2,842,000 $ 284,200 $ 210,000
Lincoln, Idaho 10 $ 1,173,000 $ 117,300 $ 45,000
Wayne, Utah 10 $ 1,544,000 $ 154,400 $ 105,000
Contra Costa, California 9 $ 2,759,000 $ 306,555 $ 135,000
Caribou, Idaho 9 $ 1,269,000 $ 141,000 $ 75,000
Gem, Idaho 9 $ 1,381,000 $ 153,444 $ 67,000
Owyhee, Idaho 9 $ 1,425,000 $ 158,333 $ 51,000
Teton, Idaho 9 $ 4,347,000 $ 483,000 $ 160,000
Gila, Arizona 8 $ 1,315,000 $ 164,375 $ 67,000
Navajo, Arizona 8 $ 1,793,000 $ 224,125 $ 138,000
Pima, Arizona 8 $ 1,227,000 $ 153,375 $ 84,000
Lincoln, Wyoming 8 $ 2,224,000 $ 278,000 $ 353,000
Yuma, Arizona 7 $ 1,233,000 $ 176,142 $ 119,000
San Mateo, California 7 $ 2,787,000 $ 398,142 $ 156,000
Ventura, California 7 $ 1,833,000 $ 261,857 $ 122,000
Power, Idaho 7 $ 793,000 $ 113,285 $ 78,000
Valley, Idaho 7 $ 1,190,000 $ 170,000 $ 149,000
Washoe, Nevada 7 $ 1,306,000 $ 186,571 $ 80,000
San Francisco, California 6 $ 1,786,000 $ 297,666 $ 135,000
Jerome, Idaho 6 $ 325,000 $ 54,166 $ 38,000
Lincoln, Nevada 6 $ 842,000 $ 140,333 $ 101,000
Marin, California 5 $ 1,800,000 $ 360,000 $ 239,000
Montezuma, Colorado 5 $ 463,000 $ 92,600 $ 49,000
Asotin, Washington 5 $ 605,000 $ 121,000 $ 52,000
Pinal, Arizona 4 $ 656,000 $ 164,000 $ 84,000
Kern, California 4 $ 235,000 $ 58,750 $ 56,000
Monterey, California 4 $ 761,000 $ 190,250 $ 196,000
Boise, Idaho 4 $ 230,000 $ 57,500 $ 116,000
Idaho, Idaho 4 $ 206,000 $ 51,500 $ 64,000
Oneida, Idaho 4 $ 645,000 $ 161,250 $ 49,000
Cochise, Arizona 3 $ 437,000 $ 145,666 $ 144,000
Mohave, Arizona 3 $ 308,000 $ 102,666 $ 37,000
Adams, Idaho 3 $ 122,000 $ 40,666 $ 68,000
Butte, Idaho 3 $ 441,000 $ 147,000 $ 56,000
Gallatin, Montana 3 $ 740,000 $ 246,666 $ 125,000
Nye, Nevada 3 $ 335,000 $ 111,666 $ 80,000
Bernalillo, New Mexico 3 $ 690,000 $ 230,000 $ 220,000
Washington, Oregon 3 $ 629,000 $ 209,666 $ 103,000
Merced, California 2 $ 189,000 $ 94,500 $ 165,000
Placer, California 2 $ 542,000 $ 271,000 $ 142,000
Yolo, California 2 $ 658,000 $ 329,000 $ 142,000
Douglas, Colorado 2 $ 397,000 $ 198,500 $ 77,000
Park, Colorado 2 $ 150,000 $ 75,000 $ 65,000
Benewah, Idaho 2 $ 220,000 $ 110,000 $ 66,000
Clearwater, Idaho 2 $ 200,000 $ 100,000 $ 47,000
Custer, Idaho 2 $ 676,000 $ 338,000 $ 142,000
Kootenai, Idaho 2 $ 329,000 $ 164,500 $ 75,000
Lemhi, Idaho 2 $ 254,000 $ 127,000 $ 28,000
Richland, Montana 2 $ 263,000 $ 131,500 $ 67,000
Churchill, Nevada 2 $ 339,000 $ 169,500 $ 47,000
Lyon, Nevada 2 $ 142,000 $ 71,000 $ 70,000
Sublette, Wyoming 2 $ 529,000 $ 264,500 $ 64,000
Teton, Wyoming 2 $ 2,694,000 $ 1,347,000 $ 457,000
Apache, Arizona 1 $ 72,000 $ 72,000 $ 80,000
Graham, Arizona 1 $ 153,000 $ 153,000 $ 62,000
La Paz, Arizona 1 $ 160,000 $ 160,000 $ 62,000
Amador, California 1 $ 150,000 $ 150,000 $ 0
Lassen, California 1 $ 251,000 $ 251,000 $ 93,000
Madera, California 1 $ 310,000 $ 310,000 $ 107,000
Mono, California 1 $ 423,000 $ 423,000 $ 202,000
Nevada, California 1 $ 300,000 $ 300,000 $ 91,000
Plumas, California 1 $ 417,000 $ 417,000 $ 546,000
San Joaquin, California 1 $ 143,000 $ 143,000 $ 66,000
San Luis Obispo, California 1 $ 140,000 $ 140,000 $ 249,000
Santa Cruz, California 1 $ 326,000 $ 326,000 $ 14,000
Arapahoe, Colorado 1 $ 260,000 $ 260,000 $ 147,000
Delta, Colorado 1 $ 97,000 $ 97,000 $ 41,000
El Paso, Colorado 1 $ 247,000 $ 247,000 $ 301,000
Garfield, Colorado 1 $ 260,000 $ 260,000 $ 96,000
Jefferson, Colorado 1 $ 11,000 $ 11,000 $ 59,000
La Plata, Colorado 1 $ 290,000 $ 290,000 $ 35,000
Mesa, Colorado 1 $ 121,000 $ 121,000 $ 43,000
Rio Blanco, Colorado 1 $ 292,000 $ 292,000 $ 106,000
Weld, Colorado 1 $ 125,000 $ 125,000 $ 75,000
Maui, Hawaii 1 $ 840,000 $ 840,000 $ 2,294,000
Bonner, Idaho 1 $ 37,000 $ 37,000 $ 35,000
Clark, Idaho 1 $ 130,000 $ 130,000 $ 50,000
Elmore, Idaho 1 $ 56,000 $ 56,000 $ 45,000
Lewis, Idaho 1 $ 120,000 $ 120,000 $ 29,000
Wright, Minnesota 1 $ 30,000 $ 30,000 $ 110,000
Carbon, Montana 1 $ 544,000 $ 544,000 $ 224,000
Lewis and Clark, Montana 1 $ 140,000 $ 140,000 $ 156,000
Lincoln, Montana 1 $ 128,000 $ 128,000 $ 69,000
Missoula, Montana 1 $ 125,000 $ 125,000 $ 180,000
Humboldt, Nevada 1 $ 173,000 $ 173,000 $ 120,000
Bergen, New Jersey 1 $ 9,000 $ 9,000 $ 0
Gloucester, New Jersey 1 $ 5,000 $ 5,000 $ 66,000
Morris, New Jersey 1 $ 150,000 $ 150,000 $ 45,000
Los Alamos, New Mexico 1 $ 240,000 $ 240,000 $ 100,000
San Juan, New Mexico 1 $ 285,000 $ 285,000 $ 87,000
Rowan, North Carolina 1 $ 6,000 $ 6,000 $ 28,000
Mercer, North Dakota 1 $ 152,000 $ 152,000 $ 0
Baker, Oregon 1 $ 112,000 $ 112,000 $ 58,000
Coos, Oregon 1 $ 200,000 $ 200,000 $ 150,000
Grant, Oregon 1 $ 17,000 $ 17,000 $ 61,000
Wasco, Oregon 1 $ 80,000 $ 80,000 $ 29,000
Montgomery, Texas 1 $ 50,000 $ 50,000 $ 87,000
Suffolk, Virginia 1 $ 375,000 $ 375,000 $ 135,000
Clark, Washington 1 $ 364,000 $ 364,000 $ 162,000
Garfield, Washington 1 $ 350,000 $ 350,000 $ 90,000
Grant, Washington 1 $ 216,000 $ 216,000 $ 70,000
King, Washington 1 $ 400,000 $ 400,000 $ 210,000
Kittitas, Washington 1 $ 299,000 $ 299,000 $ 120,000
Mason, Washington 1 $ 180,000 $ 180,000 $ 134,000
Okanogan, Washington 1 $ 185,000 $ 185,000 $ 260,000
Stevens, Washington 1 $ 160,000 $ 160,000 $ 28,000
Yakima, Washington 1 $ 255,000 $ 255,000 $ 141,000
Campbell, Wyoming 1 $ 102,000 $ 102,000 $ 68,000
Laramie, Wyoming 1 $ 417,000 $ 417,000 $ 792,000
Uinta, Wyoming 1 $ 113,000 $ 113,000 $ 53,000

Mortgage Loan Application Detail Totals for Zions Bancorporation, N.A. in 2011

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 4,239 $800,995,000 $188,000 $3,960,000 $114,000 $5,732,000
Home Purchase 2,253 $496,182,000 $220,000 $3,040,000 $128,000 $4,254,000
Home Improvement 381 $14,097,000 $37,000 $1,000,000 $74,000 $1,071,000

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 5,842 $1,097,367,000 $187,000 $3,960,000 $119,000 $5,732,000
Not Provided 507 $112,552,000 $221,000 $3,500,000 $126,000 $1,700,000
Hispanic 235 $31,630,000 $134,000 $715,000 $71,000 $600,000
Asian 170 $37,920,000 $223,000 $2,000,000 $110,000 $1,436,000
Not applicable 42 $18,864,000 $449,000 $3,900,000 $0 $0
American Indian or Alaskan Native 32 $4,220,000 $131,000 $344,000 $76,000 $576,000
Black or African American 23 $5,298,000 $230,000 $738,000 $120,000 $281,000
Native Hawaiian or Other Pacific Islander 22 $3,423,000 $155,000 $355,000 $65,000 $344,000

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) 6,359 $1,230,283,000 $193,000 $3,960,000 $121,000 $5,732,000
FHA-insured (Federal Housing Administration) 417 $64,817,000 $155,000 $378,000 $55,000 $1,383,000
VA-guaranteed (Veterans Administration) 50 $9,164,000 $183,000 $340,000 $109,000 $1,860,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 47 $7,010,000 $149,000 $268,000 $42,000 $77,000

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 3,584 $660,501,000 $184,000 $3,960,000 $120,000 $5,054,000
Application Denied By Financial Institution 1,426 $254,944,000 $178,000 $3,500,000 $95,000 $5,732,000
Application Approved But Not Accepted 1,287 $252,886,000 $196,000 $2,930,000 $116,000 $2,518,000
Loan Purchased By The Institution 552 $135,410,000 $245,000 $1,800,000 $138,000 $2,641,000
Application Withdrawn By Applicant 16 $5,081,000 $317,000 $995,000 $201,000 $840,000
File Closed For Incompleteness 8 $2,452,000 $306,000 $750,000 $535,000 $3,600,000
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
Collateral 484 $103,153,000 $213,000 $3,000,000 $142,000 $5,732,000
Credit History 423 $48,351,000 $114,000 $2,000,000 $72,000 $701,000
Debt-To-Income Ratio 323 $62,178,000 $192,000 $1,295,000 $47,000 $302,000
Other 141 $28,079,000 $199,000 $3,500,000 $101,000 $1,085,000
Employment History 23 $5,651,000 $245,000 $690,000 $87,000 $271,000
Insufficient Cash (Downpayment, Closing Cost) 12 $3,417,000 $284,000 $683,000 $122,000 $300,000
Unverifiable Information 10 $1,880,000 $188,000 $447,000 $107,000 $270,000
Credit Application Incomplete 8 $1,757,000 $219,000 $417,000 $225,000 $517,000
Mortgage Insurance Denied 2 $478,000 $239,000 $342,000 $89,000 $101,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'s 2011 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 Bancorporation, N.A.'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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