Zions Bancorporation, N.A. Mortgage Lending & HMDA Data, 2012

In 2012, Zions Bancorporation, N.A. of Denver, CO reported 8,062 mortgage applications totaling $1.7 billion, up 17% from 2011. The average application was for $207,845, and applicants reported an average income of $126,119. 51% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Salt Lake City, UT (1,571), Ogden-Clearfield, UT (665) and St. George, UT (600) (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 8,062
Total Mortgage Loan Application Amount $1,675,650,000
Average Mortgage Loan Application Amount $207,845
Highest Mortgage Loan Application Amount $19,500,000
Average Applicant Income $126,119
Highest Applicant Income $8,922,000

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records Zions Bancorporation, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

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 1,323 $ 315,587,000 $ 238,538 $ 126,000
Washington, Utah 600 $ 128,389,000 $ 213,981 $ 140,000
Utah, Utah 504 $ 104,394,000 $ 207,130 $ 114,000
Davis, Utah 450 $ 111,426,000 $ 247,613 $ 109,000
Cache, Utah 372 $ 60,561,000 $ 162,798 $ 87,000
Los Angeles, California 246 $ 75,107,000 $ 305,313 $ 253,000
Ada, Idaho 219 $ 45,350,000 $ 207,077 $ 135,000
Summit, Utah 210 $ 79,620,000 $ 379,142 $ 275,000
Weber, Utah 186 $ 39,735,000 $ 213,629 $ 123,000
Clark, Nevada 180 $ 30,037,000 $ 166,872 $ 119,000
Latah, Idaho 163 $ 32,113,000 $ 197,012 $ 98,000
San Diego, California 152 $ 47,584,000 $ 313,052 $ 183,000
Uintah, Utah 130 $ 21,058,000 $ 161,984 $ 83,000
Orange, California 122 $ 40,059,000 $ 328,352 $ 144,000
Bonneville, Idaho 120 $ 19,099,000 $ 159,158 $ 164,000
Sevier, Utah 117 $ 11,987,000 $ 102,452 $ 62,000
Millard, Utah 116 $ 10,959,000 $ 94,474 $ 70,000
Canyon, Idaho 115 $ 16,361,000 $ 142,269 $ 80,000
Wasatch, Utah 114 $ 36,653,000 $ 321,517 $ 161,000
Box Elder, Utah 108 $ 17,480,000 $ 161,851 $ 89,000
Grand, Utah 108 $ 21,506,000 $ 199,129 $ 98,000
Iron, Utah 108 $ 11,795,000 $ 109,212 $ 104,000
Sanpete, Utah 105 $ 11,143,000 $ 106,123 $ 70,000
Maricopa, Arizona 101 $ 19,427,000 $ 192,346 $ 151,000
Duchesne, Utah 94 $ 13,888,000 $ 147,744 $ 79,000
Jefferson, Idaho 84 $ 11,258,000 $ 134,023 $ 128,000
Kane, Utah 84 $ 12,902,000 $ 153,595 $ 107,000
Carbon, Utah 67 $ 8,231,000 $ 122,850 $ 94,000
Bannock, Idaho 66 $ 9,395,000 $ 142,348 $ 92,000
San Juan, Utah 65 $ 7,650,000 $ 117,692 $ 69,000
Bear Lake, Idaho 63 $ 7,859,000 $ 124,746 $ 91,000
Fresno, California 61 $ 12,151,000 $ 199,196 $ 177,000
Blaine, Idaho 61 $ 21,776,000 $ 356,983 $ 201,000
Yavapai, Arizona 58 $ 11,457,000 $ 197,534 $ 91,000
Bingham, Idaho 53 $ 6,778,000 $ 127,886 $ 90,000
Emery, Utah 51 $ 4,930,000 $ 96,666 $ 73,000
San Bernardino, California 49 $ 9,537,000 $ 194,632 $ 165,000
Washington, Idaho 48 $ 4,215,000 $ 87,812 $ 43,000
Payette, Idaho 45 $ 5,924,000 $ 131,644 $ 80,000
Whitman, Washington 45 $ 9,997,000 $ 222,155 $ 155,000
Garfield, Utah 44 $ 4,393,000 $ 99,840 $ 66,000
Twin Falls, Idaho 43 $ 6,167,000 $ 143,418 $ 60,000
Riverside, California 40 $ 7,555,000 $ 188,875 $ 125,000
Franklin, Idaho 40 $ 5,311,000 $ 132,775 $ 83,000
Tooele, Utah 38 $ 5,926,000 $ 155,947 $ 83,000
Nez Perce, Idaho 36 $ 9,403,000 $ 261,194 $ 144,000
Madison, Idaho 35 $ 5,260,000 $ 150,285 $ 100,000
Rich, Utah 31 $ 5,319,000 $ 171,580 $ 131,000
Morgan, Utah 29 $ 11,029,000 $ 380,310 $ 173,000
Santa Clara, California 28 $ 8,832,000 $ 315,428 $ 233,000
Coconino, Arizona 27 $ 4,599,000 $ 170,333 $ 74,000
Sacramento, California 27 $ 4,245,000 $ 157,222 $ 120,000
Washoe, Nevada 26 $ 4,829,000 $ 185,730 $ 123,000
Pima, Arizona 25 $ 5,066,000 $ 202,640 $ 130,000
Cassia, Idaho 23 $ 2,680,000 $ 116,521 $ 101,000
Fremont, Idaho 21 $ 4,578,000 $ 218,000 $ 179,000
Alameda, California 20 $ 6,783,000 $ 339,150 $ 196,000
Elko, Nevada 20 $ 3,855,000 $ 192,750 $ 183,000
Gooding, Idaho 19 $ 1,304,000 $ 68,631 $ 46,000
Ventura, California 18 $ 5,275,000 $ 293,055 $ 145,000
Contra Costa, California 17 $ 5,967,000 $ 351,000 $ 211,000
Malheur, Oregon 17 $ 2,544,000 $ 149,647 $ 87,000
Pinal, Arizona 16 $ 2,085,000 $ 130,312 $ 95,000
Yuma, Arizona 16 $ 2,532,000 $ 158,250 $ 80,000
Beaver, Utah 16 $ 1,711,000 $ 106,937 $ 74,000
Juab, Utah 16 $ 2,611,000 $ 163,187 $ 129,000
Asotin, Washington 16 $ 2,809,000 $ 175,562 $ 90,000
Caribou, Idaho 15 $ 1,804,000 $ 120,266 $ 88,000
Minidoka, Idaho 15 $ 3,121,000 $ 208,066 $ 106,000
San Francisco, California 14 $ 5,573,000 $ 398,071 $ 326,000
Cochise, Arizona 13 $ 2,024,000 $ 155,692 $ 57,000
Nye, Nevada 13 $ 1,218,000 $ 93,692 $ 57,000
Mohave, Arizona 12 $ 1,195,000 $ 99,583 $ 64,000
Navajo, Arizona 12 $ 1,874,000 $ 156,166 $ 118,000
San Mateo, California 12 $ 5,008,000 $ 417,333 $ 141,000
Teton, Idaho 12 $ 3,750,000 $ 312,500 $ 544,000
Wayne, Utah 11 $ 1,267,000 $ 115,181 $ 60,000
Placer, California 10 $ 2,493,000 $ 249,300 $ 224,000
Valley, Idaho 9 $ 1,810,000 $ 201,111 $ 249,000
Lincoln, Nevada 9 $ 835,000 $ 92,777 $ 86,000
Gila, Arizona 8 $ 1,797,000 $ 224,625 $ 114,000
Kern, California 8 $ 951,000 $ 118,875 $ 60,000
Gem, Idaho 8 $ 1,534,000 $ 191,750 $ 126,000
Lincoln, Wyoming 8 $ 1,500,000 $ 187,500 $ 139,000
Marin, California 7 $ 2,509,000 $ 358,428 $ 154,000
Jerome, Idaho 6 $ 711,000 $ 118,500 $ 84,000
Piute, Utah 6 $ 732,000 $ 122,000 $ 96,000
El Dorado, California 5 $ 2,004,000 $ 400,800 $ 152,000
Douglas, Colorado 5 $ 1,227,000 $ 245,400 $ 189,000
Teller, Colorado 5 $ 791,000 $ 158,200 $ 82,000
Adams, Idaho 5 $ 704,000 $ 140,800 $ 86,000
Lincoln, Idaho 5 $ 356,000 $ 71,200 $ 37,000
Adams, Colorado 4 $ 686,000 $ 171,500 $ 115,000
Denver, Colorado 4 $ 418,000 $ 104,500 $ 162,000
Jefferson, Colorado 4 $ 616,000 $ 154,000 $ 84,000
Bonner, Idaho 4 $ 621,000 $ 155,250 $ 119,000
Elmore, Idaho 4 $ 446,000 $ 111,500 $ 115,000
Lyon, Nevada 4 $ 276,000 $ 69,000 $ 56,000
Daggett, Utah 4 $ 622,000 $ 155,500 $ 221,000
Madera, California 3 $ 637,000 $ 212,333 $ 208,000
Monterey, California 3 $ 961,000 $ 320,333 $ 131,000
San Luis Obispo, California 3 $ 908,000 $ 302,666 $ 136,000
Tulare, California 3 $ 595,000 $ 198,333 $ 148,000
El Paso, Colorado 3 $ 674,000 $ 224,666 $ 195,000
Boise, Idaho 3 $ 788,000 $ 262,666 $ 161,000
Camas, Idaho 3 $ 597,000 $ 199,000 $ 58,000
Kootenai, Idaho 3 $ 405,000 $ 135,000 $ 98,000
Oneida, Idaho 3 $ 442,000 $ 147,333 $ 130,000
Owyhee, Idaho 3 $ 159,000 $ 53,000 $ 107,000
Power, Idaho 3 $ 1,349,000 $ 449,666 $ 287,000
Gallatin, Montana 3 $ 1,050,000 $ 350,000 $ 243,000
Richland, Montana 3 $ 350,000 $ 116,666 $ 86,000
Washington, Oregon 3 $ 376,000 $ 125,333 $ 93,000
Garfield, Washington 3 $ 363,000 $ 121,000 $ 167,000
La Paz, Arizona 2 $ 145,000 $ 72,500 $ 33,000
San Joaquin, California 2 $ 445,000 $ 222,500 $ 90,000
Santa Barbara, California 2 $ 701,000 $ 350,500 $ 138,000
Solano, California 2 $ 298,000 $ 149,000 $ 71,000
Sonoma, California 2 $ 776,000 $ 388,000 $ 281,000
Yolo, California 2 $ 387,000 $ 193,500 $ 162,000
Arapahoe, Colorado 2 $ 427,000 $ 213,500 $ 280,000
Broomfield, Colorado 2 $ 141,000 $ 70,500 $ 91,000
Garfield, Colorado 2 $ 605,000 $ 302,500 $ 122,000
Larimer, Colorado 2 $ 362,000 $ 181,000 $ 525,000
Mesa, Colorado 2 $ 369,000 $ 184,500 $ 124,000
Rio Blanco, Colorado 2 $ 350,000 $ 175,000 $ 69,000
Benewah, Idaho 2 $ 149,000 $ 74,500 $ 83,000
Clark, Idaho 2 $ 139,000 $ 69,500 $ 55,000
Clearwater, Idaho 2 $ 737,000 $ 368,500 $ 100,000
Lemhi, Idaho 2 $ 361,000 $ 180,500 $ 136,000
Lewis, Idaho 2 $ 249,000 $ 124,500 $ 475,000
Carson City, Nevada 2 $ 312,000 $ 156,000 $ 100,000
Churchill, Nevada 2 $ 298,000 $ 149,000 $ 60,000
Lane, Oregon 2 $ 358,000 $ 179,000 $ 91,000
Sweetwater, Wyoming 2 $ 383,000 $ 191,500 $ 98,000
Apache, Arizona 1 $ 77,000 $ 77,000 $ 34,000
Kings, California 1 $ 83,000 $ 83,000 $ 359,000
Mono, California 1 $ 416,000 $ 416,000 $ 163,000
Nevada, California 1 $ 348,000 $ 348,000 $ 160,000
Santa Cruz, California 1 $ 200,000 $ 200,000 $ 999,000
Shasta, California 1 $ 247,000 $ 247,000 $ 160,000
Stanislaus, California 1 $ 66,000 $ 66,000 $ 76,000
Sutter, California 1 $ 145,000 $ 145,000 $ 376,000
Boulder, Colorado 1 $ 406,000 $ 406,000 $ 263,000
Dolores, Colorado 1 $ 85,000 $ 85,000 $ 112,000
Fremont, Colorado 1 $ 271,000 $ 271,000 $ 70,000
Montezuma, Colorado 1 $ 147,000 $ 147,000 $ 141,000
Ouray, Colorado 1 $ 382,000 $ 382,000 $ 57,000
Pueblo, Colorado 1 $ 85,000 $ 85,000 $ 56,000
Routt, Colorado 1 $ 135,000 $ 135,000 $ 36,000
San Miguel, Colorado 1 $ 399,000 $ 399,000 $ 324,000
Crisp, Georgia 1 $ 10,000 $ 10,000 $ 460,000
Boundary, Idaho 1 $ 170,000 $ 170,000 $ 58,000
Custer, Idaho 1 $ 131,000 $ 131,000 $ 72,000
Idaho, Idaho 1 $ 340,000 $ 340,000 $ 62,000
Cook, Illinois 1 $ 212,000 $ 212,000 $ 119,000
Sherburne, Minnesota 1 $ 10,000 $ 10,000 $ 72,000
Flathead, Montana 1 $ 103,000 $ 103,000 $ 518,000
Lake, Montana 1 $ 395,000 $ 395,000 $ 304,000
Lewis and Clark, Montana 1 $ 490,000 $ 490,000 $ 189,000
Madison, Montana 1 $ 378,000 $ 378,000 $ 95,000
Douglas, Nevada 1 $ 265,000 $ 265,000 $ 53,000
Humboldt, Nevada 1 $ 165,000 $ 165,000 $ 55,000
Lander, Nevada 1 $ 131,000 $ 131,000 $ 53,000
White Pine, Nevada 1 $ 132,000 $ 132,000 $ 0
Baker, Oregon 1 $ 30,000 $ 30,000 $ 46,000
Douglas, Oregon 1 $ 377,000 $ 377,000 $ 336,000
Harney, Oregon 1 $ 115,000 $ 115,000 $ 126,000
Jackson, Oregon 1 $ 60,000 $ 60,000 $ 168,000
Lake, Oregon 1 $ 60,000 $ 60,000 $ 75,000
Parker, Texas 1 $ 428,000 $ 428,000 $ 185,000
Loudoun, Virginia 1 $ 8,000 $ 8,000 $ 76,000
Columbia, Washington 1 $ 150,000 $ 150,000 $ 100,000
Grant, Washington 1 $ 160,000 $ 160,000 $ 97,000
King, Washington 1 $ 399,000 $ 399,000 $ 54,000
Kittitas, Washington 1 $ 272,000 $ 272,000 $ 126,000
Skagit, Washington 1 $ 56,000 $ 56,000 $ 165,000
Snohomish, Washington 1 $ 104,000 $ 104,000 $ 41,000
Spokane, Washington 1 $ 383,000 $ 383,000 $ 71,000
Stevens, Washington 1 $ 278,000 $ 278,000 $ 90,000
Sublette, Wyoming 1 $ 31,000 $ 31,000 $ 24,000
Uinta, Wyoming 1 $ 150,000 $ 150,000 $ 120,000

Mortgage Loan Application Detail Totals for Zions Bancorporation, N.A. in 2012

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 5,044 $1,046,374,000 $207,000 $12,500,000 $130,000 $8,052,000
Home Purchase 2,575 $601,744,000 $233,000 $19,500,000 $128,000 $8,922,000
Home Improvement 443 $27,532,000 $62,000 $3,000,000 $71,000 $845,000

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 6,732 $1,335,475,000 $198,000 $4,977,000 $125,000 $8,052,000
Not Provided 602 $150,253,000 $249,000 $2,900,000 $183,000 $8,922,000
Hispanic 313 $48,203,000 $154,000 $1,305,000 $74,000 $941,000
Asian 306 $79,787,000 $260,000 $1,400,000 $129,000 $1,101,000
Native Hawaiian or Other Pacific Islander 28 $4,730,000 $168,000 $616,000 $80,000 $213,000
Not applicable 27 $49,644,000 $1,838,000 $19,500,000 $0 $0
Black or African American 27 $4,085,000 $151,000 $362,000 $69,000 $460,000
American Indian or Alaskan Native 27 $3,473,000 $128,000 $416,000 $94,000 $378,000

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) 7,508 $1,581,732,000 $210,000 $19,500,000 $132,000 $8,922,000
FHA-insured (Federal Housing Administration) 399 $63,430,000 $158,000 $737,000 $54,000 $327,000
VA-guaranteed (Veterans Administration) 106 $22,967,000 $216,000 $671,000 $77,000 $198,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 49 $7,521,000 $153,000 $253,000 $43,000 $86,000

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 4,114 $848,745,000 $206,000 $19,500,000 $127,000 $5,441,000
Application Denied By Financial Institution 1,449 $256,093,000 $176,000 $2,334,000 $89,000 $2,712,000
Loan Purchased By The Institution 1,287 $310,523,000 $241,000 $635,000 $160,000 $8,052,000
Application Approved But Not Accepted 1,197 $256,968,000 $214,000 $4,977,000 $133,000 $8,922,000
Application Withdrawn By Applicant 10 $1,797,000 $179,000 $409,000 $94,000 $209,000
File Closed For Incompleteness 5 $1,524,000 $304,000 $626,000 $115,000 $288,000
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 481 $65,939,000 $137,000 $2,334,000 $76,000 $1,100,000
Collateral 471 $92,203,000 $195,000 $2,100,000 $113,000 $1,459,000
Debt-To-Income Ratio 310 $61,050,000 $196,000 $1,603,000 $59,000 $833,000
Other 147 $28,512,000 $193,000 $863,000 $124,000 $2,712,000
Employment History 17 $3,540,000 $208,000 $640,000 $80,000 $444,000
Unverifiable Information 9 $2,227,000 $247,000 $415,000 $59,000 $120,000
Credit Application Incomplete 8 $1,527,000 $190,000 $336,000 $144,000 $653,000
Insufficient Cash (Downpayment, Closing Cost) 5 $762,000 $152,000 $388,000 $83,000 $186,000
Mortgage Insurance Denied 1 $333,000 $333,000 $333,000 $139,000 $139,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'s 2012 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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