Zions Bancorporation, N.A. Mortgage Lending & HMDA Data, 2013
In 2013, Zions Bancorporation, N.A. of Denver, CO reported 6,165 mortgage applications totaling $1.3 billion, down 24% from 2012. The average application was for $212,393, and applicants reported an average income of $124,549. 58% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Salt Lake City, UT (1,264), St. George, UT (514) and Ogden-Clearfield, UT (456) (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 | 6,165 |
| Total Mortgage Loan Application Amount | $1,309,403,000 |
| Average Mortgage Loan Application Amount | $212,393 |
| Highest Mortgage Loan Application Amount | $15,400,000 |
| Average Applicant Income | $124,549 |
| Highest Applicant Income | $7,372,000 |
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records Zions Bancorporation, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,076 | $ 258,783,000 | $ 240,504 | $ 131,000 |
| Washington, Utah | 514 | $ 116,240,000 | $ 226,147 | $ 153,000 |
| Utah, Utah | 437 | $ 103,807,000 | $ 237,544 | $ 136,000 |
| Davis, Utah | 309 | $ 76,485,000 | $ 247,524 | $ 146,000 |
| Cache, Utah | 256 | $ 41,310,000 | $ 161,367 | $ 80,000 |
| Ada, Idaho | 191 | $ 39,870,000 | $ 208,743 | $ 119,000 |
| Summit, Utah | 156 | $ 69,368,000 | $ 444,666 | $ 298,000 |
| Clark, Nevada | 136 | $ 23,153,000 | $ 170,242 | $ 105,000 |
| Sevier, Utah | 132 | $ 15,116,000 | $ 114,515 | $ 71,000 |
| Millard, Utah | 130 | $ 12,267,000 | $ 94,361 | $ 69,000 |
| Weber, Utah | 128 | $ 30,581,000 | $ 238,914 | $ 115,000 |
| Uintah, Utah | 122 | $ 22,421,000 | $ 183,778 | $ 130,000 |
| Latah, Idaho | 117 | $ 21,573,000 | $ 184,384 | $ 83,000 |
| Bonneville, Idaho | 115 | $ 20,879,000 | $ 181,556 | $ 131,000 |
| Iron, Utah | 106 | $ 14,659,000 | $ 138,292 | $ 120,000 |
| Sanpete, Utah | 105 | $ 11,463,000 | $ 109,171 | $ 71,000 |
| Canyon, Idaho | 92 | $ 13,146,000 | $ 142,891 | $ 109,000 |
| Wasatch, Utah | 92 | $ 28,131,000 | $ 305,771 | $ 150,000 |
| Box Elder, Utah | 84 | $ 12,177,000 | $ 144,964 | $ 79,000 |
| Duchesne, Utah | 84 | $ 12,336,000 | $ 146,857 | $ 73,000 |
| Grand, Utah | 81 | $ 17,161,000 | $ 211,864 | $ 95,000 |
| Kane, Utah | 71 | $ 13,195,000 | $ 185,845 | $ 115,000 |
| Carbon, Utah | 69 | $ 8,272,000 | $ 119,884 | $ 88,000 |
| Bannock, Idaho | 65 | $ 8,564,000 | $ 131,753 | $ 91,000 |
| Jefferson, Idaho | 65 | $ 9,695,000 | $ 149,153 | $ 92,000 |
| Emery, Utah | 63 | $ 4,888,000 | $ 77,587 | $ 68,000 |
| Bear Lake, Idaho | 60 | $ 6,475,000 | $ 107,916 | $ 84,000 |
| Bingham, Idaho | 59 | $ 8,183,000 | $ 138,694 | $ 134,000 |
| Los Angeles, California | 56 | $ 20,369,000 | $ 363,732 | $ 240,000 |
| Blaine, Idaho | 54 | $ 19,082,000 | $ 353,370 | $ 178,000 |
| Maricopa, Arizona | 53 | $ 11,109,000 | $ 209,603 | $ 129,000 |
| San Juan, Utah | 50 | $ 6,119,000 | $ 122,380 | $ 83,000 |
| San Diego, California | 47 | $ 29,574,000 | $ 629,234 | $ 262,000 |
| Washington, Idaho | 46 | $ 4,525,000 | $ 98,369 | $ 54,000 |
| Payette, Idaho | 41 | $ 4,852,000 | $ 118,341 | $ 76,000 |
| Garfield, Utah | 40 | $ 4,537,000 | $ 113,425 | $ 86,000 |
| Nez Perce, Idaho | 39 | $ 6,282,000 | $ 161,076 | $ 87,000 |
| Franklin, Idaho | 36 | $ 5,203,000 | $ 144,527 | $ 95,000 |
| Whitman, Washington | 34 | $ 8,516,000 | $ 250,470 | $ 114,000 |
| Madison, Idaho | 33 | $ 5,652,000 | $ 171,272 | $ 78,000 |
| Tooele, Utah | 32 | $ 7,688,000 | $ 240,250 | $ 84,000 |
| Yavapai, Arizona | 31 | $ 5,413,000 | $ 174,612 | $ 89,000 |
| Rich, Utah | 31 | $ 6,925,000 | $ 223,387 | $ 142,000 |
| Twin Falls, Idaho | 30 | $ 4,155,000 | $ 138,500 | $ 89,000 |
| Malheur, Oregon | 27 | $ 3,900,000 | $ 144,444 | $ 82,000 |
| Cassia, Idaho | 23 | $ 2,550,000 | $ 110,869 | $ 68,000 |
| Gooding, Idaho | 23 | $ 1,868,000 | $ 81,217 | $ 73,000 |
| Fremont, Idaho | 22 | $ 5,910,000 | $ 268,636 | $ 210,000 |
| Orange, California | 19 | $ 7,709,000 | $ 405,736 | $ 216,000 |
| Washoe, Nevada | 19 | $ 3,496,000 | $ 184,000 | $ 45,000 |
| Morgan, Utah | 19 | $ 5,176,000 | $ 272,421 | $ 181,000 |
| Minidoka, Idaho | 18 | $ 1,754,000 | $ 97,444 | $ 106,000 |
| Wayne, Utah | 18 | $ 2,521,000 | $ 140,055 | $ 95,000 |
| Riverside, California | 17 | $ 4,713,000 | $ 277,235 | $ 222,000 |
| Pima, Arizona | 16 | $ 3,683,000 | $ 230,187 | $ 126,000 |
| Beaver, Utah | 15 | $ 1,108,000 | $ 73,866 | $ 48,000 |
| Coconino, Arizona | 14 | $ 2,450,000 | $ 175,000 | $ 202,000 |
| San Bernardino, California | 14 | $ 1,986,000 | $ 141,857 | $ 111,000 |
| Pinal, Arizona | 13 | $ 1,576,000 | $ 121,230 | $ 210,000 |
| Caribou, Idaho | 13 | $ 1,497,000 | $ 115,153 | $ 121,000 |
| Lincoln, Wyoming | 12 | $ 1,373,000 | $ 114,416 | $ 151,000 |
| Navajo, Arizona | 10 | $ 1,942,000 | $ 194,200 | $ 94,000 |
| Elko, Nevada | 10 | $ 1,886,000 | $ 188,600 | $ 45,000 |
| Juab, Utah | 10 | $ 1,357,000 | $ 135,700 | $ 101,000 |
| Mohave, Arizona | 9 | $ 1,121,000 | $ 124,555 | $ 66,000 |
| Yuma, Arizona | 9 | $ 1,880,000 | $ 208,888 | $ 94,000 |
| Ventura, California | 9 | $ 3,491,000 | $ 387,888 | $ 140,000 |
| Fresno, California | 8 | $ 2,143,000 | $ 267,875 | $ 211,000 |
| San Mateo, California | 8 | $ 3,334,000 | $ 416,750 | $ 191,000 |
| Piute, Utah | 8 | $ 942,000 | $ 117,750 | $ 68,000 |
| Alameda, California | 7 | $ 2,989,000 | $ 427,000 | $ 276,000 |
| Owyhee, Idaho | 7 | $ 1,261,000 | $ 180,142 | $ 92,000 |
| Power, Idaho | 7 | $ 1,130,000 | $ 161,428 | $ 161,000 |
| Valley, Idaho | 7 | $ 1,583,000 | $ 226,142 | $ 208,000 |
| Asotin, Washington | 7 | $ 836,000 | $ 119,428 | $ 58,000 |
| Contra Costa, California | 6 | $ 1,952,000 | $ 325,333 | $ 113,000 |
| Elmore, Idaho | 5 | $ 532,000 | $ 106,400 | $ 60,000 |
| Gem, Idaho | 5 | $ 1,109,000 | $ 221,800 | $ 101,000 |
| Jerome, Idaho | 5 | $ 448,000 | $ 89,600 | $ 53,000 |
| Lewis, Idaho | 5 | $ 191,000 | $ 38,200 | $ 35,000 |
| Oneida, Idaho | 5 | $ 640,000 | $ 128,000 | $ 91,000 |
| Nye, Nevada | 5 | $ 725,000 | $ 145,000 | $ 56,000 |
| Marin, California | 4 | $ 1,399,000 | $ 349,750 | $ 277,000 |
| Santa Clara, California | 4 | $ 1,571,000 | $ 392,750 | $ 186,000 |
| Denver, Colorado | 4 | $ 923,000 | $ 230,750 | $ 114,000 |
| Kootenai, Idaho | 4 | $ 863,000 | $ 215,750 | $ 115,000 |
| Sacramento, California | 3 | $ 637,000 | $ 212,333 | $ 184,000 |
| Sonoma, California | 3 | $ 696,000 | $ 232,000 | $ 65,000 |
| Adams, Colorado | 3 | $ 940,000 | $ 313,333 | $ 103,000 |
| Garfield, Colorado | 3 | $ 797,000 | $ 265,666 | $ 97,000 |
| Boise, Idaho | 3 | $ 317,000 | $ 105,666 | $ 112,000 |
| Butte, Idaho | 3 | $ 365,000 | $ 121,666 | $ 106,000 |
| Lemhi, Idaho | 3 | $ 382,000 | $ 127,333 | $ 480,000 |
| Lincoln, Idaho | 3 | $ 251,000 | $ 83,666 | $ 58,000 |
| Teton, Idaho | 3 | $ 479,000 | $ 159,666 | $ 74,000 |
| Lincoln, Nevada | 3 | $ 469,000 | $ 156,333 | $ 112,000 |
| Daggett, Utah | 3 | $ 277,000 | $ 92,333 | $ 61,000 |
| Teton, Wyoming | 3 | $ 12,843,000 | $ 4,281,000 | $ 1,136,000 |
| Apache, Arizona | 2 | $ 135,000 | $ 67,500 | $ 28,000 |
| Cochise, Arizona | 2 | $ 412,000 | $ 206,000 | $ 83,000 |
| Gila, Arizona | 2 | $ 324,000 | $ 162,000 | $ 53,000 |
| La Paz, Arizona | 2 | $ 593,000 | $ 296,500 | $ 452,000 |
| Kern, California | 2 | $ 189,000 | $ 94,500 | $ 121,000 |
| Kings, California | 2 | $ 587,000 | $ 293,500 | $ 872,000 |
| San Francisco, California | 2 | $ 831,000 | $ 415,500 | $ 539,000 |
| Arapahoe, Colorado | 2 | $ 375,000 | $ 187,500 | $ 69,000 |
| Eagle, Colorado | 2 | $ 449,000 | $ 224,500 | $ 58,000 |
| La Plata, Colorado | 2 | $ 355,000 | $ 177,500 | $ 148,000 |
| Mesa, Colorado | 2 | $ 332,000 | $ 166,000 | $ 85,000 |
| Sedgwick, Colorado | 2 | $ 124,000 | $ 62,000 | $ 30,000 |
| Custer, Idaho | 2 | $ 350,000 | $ 175,000 | $ 90,000 |
| Idaho, Idaho | 2 | $ 414,000 | $ 207,000 | $ 72,000 |
| Humboldt, Nevada | 2 | $ 318,000 | $ 159,000 | $ 46,000 |
| Lyon, Nevada | 2 | $ 389,000 | $ 194,500 | $ 58,000 |
| Billings, North Dakota | 2 | $ 330,000 | $ 165,000 | $ 124,000 |
| Grant, Oregon | 2 | $ 298,000 | $ 149,000 | $ 93,000 |
| Pierce, Washington | 2 | $ 169,000 | $ 84,500 | $ 66,000 |
| Sweetwater, Wyoming | 2 | $ 463,000 | $ 231,500 | $ 83,000 |
| Uinta, Wyoming | 2 | $ 245,000 | $ 122,500 | $ 118,000 |
| Graham, Arizona | 1 | $ 167,000 | $ 167,000 | $ 54,000 |
| Alpine, California | 1 | $ 319,000 | $ 319,000 | $ 69,000 |
| Imperial, California | 1 | $ 109,000 | $ 109,000 | $ 39,000 |
| Monterey, California | 1 | $ 250,000 | $ 250,000 | $ 256,000 |
| Placer, California | 1 | $ 230,000 | $ 230,000 | $ 33,000 |
| San Luis Obispo, California | 1 | $ 561,000 | $ 561,000 | $ 505,000 |
| Solano, California | 1 | $ 362,000 | $ 362,000 | $ 178,000 |
| Tuolumne, California | 1 | $ 8,000 | $ 8,000 | $ 132,000 |
| Archuleta, Colorado | 1 | $ 133,000 | $ 133,000 | $ 52,000 |
| Boulder, Colorado | 1 | $ 223,000 | $ 223,000 | $ 224,000 |
| El Paso, Colorado | 1 | $ 333,000 | $ 333,000 | $ 170,000 |
| Fremont, Colorado | 1 | $ 157,000 | $ 157,000 | $ 170,000 |
| Grand, Colorado | 1 | $ 178,000 | $ 178,000 | $ 135,000 |
| Jefferson, Colorado | 1 | $ 180,000 | $ 180,000 | $ 61,000 |
| Larimer, Colorado | 1 | $ 163,000 | $ 163,000 | $ 100,000 |
| Montezuma, Colorado | 1 | $ 40,000 | $ 40,000 | $ 76,000 |
| Routt, Colorado | 1 | $ 350,000 | $ 350,000 | $ 50,000 |
| San Miguel, Colorado | 1 | $ 623,000 | $ 623,000 | $ 207,000 |
| Cobb, Georgia | 1 | $ 2,000 | $ 2,000 | $ 33,000 |
| Henry, Georgia | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Honolulu, Hawaii | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Maui, Hawaii | 1 | $ 340,000 | $ 340,000 | $ 444,000 |
| Adams, Idaho | 1 | $ 123,000 | $ 123,000 | $ 93,000 |
| Benewah, Idaho | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Camas, Idaho | 1 | $ 96,000 | $ 96,000 | $ 62,000 |
| Clark, Idaho | 1 | $ 105,000 | $ 105,000 | $ 169,000 |
| Oakland, Michigan | 1 | $ 15,000 | $ 15,000 | $ 454,000 |
| Hinds, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 10,000 |
| Tate, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Carson City, Nevada | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Douglas, Nevada | 1 | $ 279,000 | $ 279,000 | $ 86,000 |
| San Juan, New Mexico | 1 | $ 4,000 | $ 4,000 | $ 46,000 |
| Pitt, North Carolina | 1 | $ 1,000 | $ 1,000 | $ 12,000 |
| McKenzie, North Dakota | 1 | $ 11,000,000 | $ 11,000,000 | $ 0 |
| Williams, North Dakota | 1 | $ 88,000 | $ 88,000 | $ 117,000 |
| Jefferson, Ohio | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Garfield, Oklahoma | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Baker, Oregon | 1 | $ 53,000 | $ 53,000 | $ 46,000 |
| Lane, Oregon | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Union, Oregon | 1 | $ 127,000 | $ 127,000 | $ 42,000 |
| Davidson, Tennessee | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Lubbock, Texas | 1 | $ 5,700,000 | $ 5,700,000 | $ 0 |
| Smith, Texas | 1 | $ 10,000 | $ 10,000 | $ 54,000 |
| Columbia, Washington | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| Garfield, Washington | 1 | $ 68,000 | $ 68,000 | $ 61,000 |
| San Juan, Washington | 1 | $ 35,000 | $ 35,000 | $ 113,000 |
| Spokane, Washington | 1 | $ 40,000 | $ 40,000 | $ 78,000 |
| Thurston, Washington | 1 | $ 142,000 | $ 142,000 | $ 38,000 |
| Hot Springs, Wyoming | 1 | $ 266,000 | $ 266,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Zions Bancorporation, N.A. in 2013
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 | 3,389 | $684,571,000 | $201,000 | $11,050,000 | $121,000 | $3,252,000 |
| Home Purchase | 2,256 | $581,022,000 | $257,000 | $15,400,000 | $136,000 | $7,372,000 |
| Home Improvement | 520 | $43,810,000 | $84,000 | $1,250,000 | $98,000 | $1,800,000 |
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 | 5,238 | $1,049,901,000 | $200,000 | $3,500,000 | $125,000 | $7,372,000 |
| Not Provided | 353 | $89,848,000 | $254,000 | $1,500,000 | $171,000 | $4,173,000 |
| Hispanic | 248 | $37,079,000 | $149,000 | $1,033,000 | $90,000 | $1,800,000 |
| Asian | 155 | $34,642,000 | $223,000 | $805,000 | $171,000 | $1,746,000 |
| Not applicable | 86 | $85,702,000 | $996,000 | $15,400,000 | $1,000 | $98,000 |
| American Indian or Alaskan Native | 42 | $5,560,000 | $132,000 | $326,000 | $69,000 | $446,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $3,481,000 | $151,000 | $540,000 | $80,000 | $254,000 |
| Black or African American | 20 | $3,190,000 | $159,000 | $700,000 | $51,000 | $151,000 |
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) | 5,787 | $1,240,805,000 | $214,000 | $15,400,000 | $129,000 | $7,372,000 |
| FHA-insured (Federal Housing Administration) | 261 | $45,529,000 | $174,000 | $421,000 | $53,000 | $312,000 |
| VA-guaranteed (Veterans Administration) | 60 | $13,172,000 | $219,000 | $622,000 | $75,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $9,897,000 | $173,000 | $320,000 | $51,000 | $182,000 |
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 | 3,547 | $739,662,000 | $208,000 | $11,600,000 | $128,000 | $7,372,000 |
| Application Denied By Financial Institution | 1,245 | $237,215,000 | $190,000 | $11,000,000 | $99,000 | $2,496,000 |
| Application Approved But Not Accepted | 890 | $191,936,000 | $215,000 | $1,987,000 | $138,000 | $3,077,000 |
| Loan Purchased By The Institution | 469 | $111,402,000 | $237,000 | $967,000 | $140,000 | $2,535,000 |
| Application Withdrawn By Applicant | 12 | $28,354,000 | $2,362,000 | $15,400,000 | $156,000 | $1,013,000 |
| File Closed For Incompleteness | 2 | $834,000 | $417,000 | $417,000 | $90,000 | $180,000 |
| 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 | 558 | $77,297,000 | $138,000 | $2,400,000 | $91,000 | $2,078,000 |
| Collateral | 325 | $76,747,000 | $236,000 | $2,875,000 | $136,000 | $2,496,000 |
| Debt-To-Income Ratio | 264 | $52,566,000 | $199,000 | $1,676,000 | $60,000 | $404,000 |
| Other | 67 | $24,933,000 | $372,000 | $11,000,000 | $165,000 | $2,312,000 |
| Employment History | 13 | $2,722,000 | $209,000 | $465,000 | $53,000 | $120,000 |
| Unverifiable Information | 6 | $963,000 | $160,000 | $273,000 | $45,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $874,000 | $218,000 | $337,000 | $53,000 | $145,000 |
| Mortgage Insurance Denied | 1 | $298,000 | $298,000 | $298,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'s 2013 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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