Zions Bancorporation, N.A. Mortgage Lending & HMDA Data, 2014

In 2014, Zions Bancorporation, N.A. of Denver, CO reported 4,628 mortgage applications totaling $1.1 billion, down 25% from 2013. The average application was for $234,286, and applicants reported an average income of $122,364. 47% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Salt Lake City, UT (835), Ogden-Clearfield, UT (388) and Provo-Orem, UT (381) (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 4,628
Total Mortgage Loan Application Amount $1,084,280,000
Average Mortgage Loan Application Amount $234,286
Highest Mortgage Loan Application Amount $26,100,000
Average Applicant Income $122,364
Highest Applicant Income $8,133,000

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records Zions Bancorporation, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

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 787 $ 199,341,000 $ 253,292 $ 128,000
Utah, Utah 373 $ 93,690,000 $ 251,179 $ 136,000
Washington, Utah 327 $ 75,566,000 $ 231,088 $ 126,000
Clark, Nevada 237 $ 45,087,000 $ 190,240 $ 181,000
Davis, Utah 227 $ 62,212,000 $ 274,061 $ 128,000
Cache, Utah 180 $ 29,918,000 $ 166,211 $ 84,000
Ada, Idaho 167 $ 68,977,000 $ 413,035 $ 131,000
Summit, Utah 118 $ 61,891,000 $ 524,500 $ 309,000
Canyon, Idaho 104 $ 14,655,000 $ 140,913 $ 69,000
Weber, Utah 95 $ 22,496,000 $ 236,800 $ 93,000
Uintah, Utah 86 $ 15,023,000 $ 174,686 $ 95,000
Latah, Idaho 83 $ 18,201,000 $ 219,289 $ 88,000
Wasatch, Utah 82 $ 32,710,000 $ 398,902 $ 140,000
Bonneville, Idaho 73 $ 14,669,000 $ 200,945 $ 138,000
Sevier, Utah 73 $ 9,281,000 $ 127,136 $ 67,000
Grand, Utah 71 $ 17,507,000 $ 246,577 $ 129,000
Iron, Utah 71 $ 9,431,000 $ 132,830 $ 106,000
Maricopa, Arizona 64 $ 15,012,000 $ 234,562 $ 98,000
Millard, Utah 63 $ 6,331,000 $ 100,492 $ 80,000
Duchesne, Utah 54 $ 11,093,000 $ 205,425 $ 68,000
Box Elder, Utah 53 $ 8,791,000 $ 165,867 $ 85,000
Jefferson, Idaho 51 $ 8,244,000 $ 161,647 $ 87,000
Sanpete, Utah 51 $ 6,400,000 $ 125,490 $ 103,000
Tooele, Utah 48 $ 8,608,000 $ 179,333 $ 68,000
San Juan, Utah 47 $ 4,666,000 $ 99,276 $ 80,000
Bannock, Idaho 46 $ 6,649,000 $ 144,543 $ 93,000
Bear Lake, Idaho 42 $ 6,587,000 $ 156,833 $ 108,000
Yavapai, Arizona 41 $ 7,136,000 $ 174,048 $ 71,000
Blaine, Idaho 39 $ 20,061,000 $ 514,384 $ 141,000
Kane, Utah 37 $ 6,619,000 $ 178,891 $ 112,000
Carbon, Utah 36 $ 4,392,000 $ 122,000 $ 60,000
Payette, Idaho 34 $ 4,535,000 $ 133,382 $ 120,000
Bingham, Idaho 31 $ 4,447,000 $ 143,451 $ 51,000
Washington, Idaho 29 $ 4,631,000 $ 159,689 $ 64,000
Emery, Utah 27 $ 2,860,000 $ 105,925 $ 65,000
Nez Perce, Idaho 26 $ 6,181,000 $ 237,730 $ 371,000
Fremont, Idaho 25 $ 6,172,000 $ 246,880 $ 209,000
Washoe, Nevada 25 $ 4,350,000 $ 174,000 $ 64,000
Rich, Utah 24 $ 3,983,000 $ 165,958 $ 137,000
Pima, Arizona 23 $ 5,167,000 $ 224,652 $ 115,000
Cassia, Idaho 22 $ 1,876,000 $ 85,272 $ 70,000
Garfield, Utah 22 $ 1,887,000 $ 85,772 $ 60,000
Madison, Idaho 21 $ 19,431,000 $ 925,285 $ 158,000
Elko, Nevada 21 $ 3,690,000 $ 175,714 $ 74,000
Mohave, Arizona 18 $ 3,415,000 $ 189,722 $ 70,000
Minidoka, Idaho 18 $ 2,325,000 $ 129,166 $ 89,000
Whitman, Washington 18 $ 4,204,000 $ 233,555 $ 122,000
Lincoln, Wyoming 18 $ 5,077,000 $ 282,055 $ 90,000
Navajo, Arizona 16 $ 2,469,000 $ 154,312 $ 70,000
Nye, Nevada 15 $ 1,584,000 $ 105,600 $ 57,000
Twin Falls, Idaho 14 $ 2,229,000 $ 159,214 $ 125,000
Coconino, Arizona 13 $ 2,025,000 $ 155,769 $ 92,000
Gooding, Idaho 13 $ 1,226,000 $ 94,307 $ 71,000
Morgan, Utah 13 $ 5,792,000 $ 445,538 $ 214,000
Malheur, Oregon 11 $ 1,629,000 $ 148,090 $ 72,000
Yuma, Arizona 9 $ 1,329,000 $ 147,666 $ 100,000
Franklin, Idaho 9 $ 1,156,000 $ 128,444 $ 59,000
Pinal, Arizona 8 $ 1,686,000 $ 210,750 $ 109,000
San Diego, California 8 $ 5,149,000 $ 643,625 $ 663,000
Juab, Utah 8 $ 2,078,000 $ 259,750 $ 210,000
Boise, Idaho 7 $ 1,655,000 $ 236,428 $ 122,000
Caribou, Idaho 7 $ 1,171,000 $ 167,285 $ 131,000
Kootenai, Idaho 7 $ 1,402,000 $ 200,285 $ 102,000
Owyhee, Idaho 7 $ 875,000 $ 125,000 $ 57,000
Cochise, Arizona 6 $ 589,000 $ 98,166 $ 41,000
Gila, Arizona 6 $ 1,353,000 $ 225,500 $ 96,000
Orange, California 6 $ 3,930,000 $ 655,000 $ 232,000
Arapahoe, Colorado 6 $ 1,748,000 $ 291,333 $ 247,000
Jerome, Idaho 6 $ 1,840,000 $ 306,666 $ 52,000
Beaver, Utah 6 $ 920,000 $ 153,333 $ 126,000
Uinta, Wyoming 6 $ 1,503,000 $ 250,500 $ 157,000
Riverside, California 5 $ 1,161,000 $ 232,200 $ 176,000
Gem, Idaho 5 $ 706,000 $ 141,200 $ 115,000
Idaho, Idaho 5 $ 418,000 $ 83,600 $ 40,000
Valley, Idaho 5 $ 1,788,000 $ 357,600 $ 188,000
Lyon, Nevada 5 $ 530,000 $ 106,000 $ 46,000
Asotin, Washington 5 $ 836,000 $ 167,200 $ 153,000
Adams, Idaho 4 $ 180,000 $ 45,000 $ 70,000
Custer, Idaho 4 $ 1,344,000 $ 336,000 $ 103,000
Elmore, Idaho 4 $ 281,000 $ 70,250 $ 81,000
Wayne, Utah 4 $ 442,000 $ 110,500 $ 68,000
Sublette, Wyoming 4 $ 1,026,000 $ 256,500 $ 101,000
Sweetwater, Wyoming 4 $ 957,000 $ 239,250 $ 83,000
Teton, Wyoming 4 $ 13,563,000 $ 3,390,750 $ 394,000
San Bernardino, California 3 $ 781,000 $ 260,333 $ 181,000
Power, Idaho 3 $ 353,000 $ 117,666 $ 52,000
Carson City, Nevada 3 $ 429,000 $ 143,000 $ 52,000
Douglas, Nevada 3 $ 704,000 $ 234,666 $ 140,000
Shelby, Tennessee 3 $ 26,000 $ 8,666 $ 37,000
Apache, Arizona 2 $ 189,000 $ 94,500 $ 76,000
Mesa, Colorado 2 $ 670,000 $ 335,000 $ 162,000
Montezuma, Colorado 2 $ 203,000 $ 101,500 $ 38,000
Bonner, Idaho 2 $ 320,000 $ 160,000 $ 20,000
Lincoln, Idaho 2 $ 347,000 $ 173,500 $ 46,000
Teton, Idaho 2 $ 808,000 $ 404,000 $ 71,000
Wayne, Michigan 2 $ 23,000 $ 11,500 $ 51,000
Hinds, Mississippi 2 $ 6,000 $ 3,000 $ 28,000
Churchill, Nevada 2 $ 252,000 $ 126,000 $ 55,000
Pershing, Nevada 2 $ 368,000 $ 184,000 $ 76,000
White Pine, Nevada 2 $ 350,000 $ 175,000 $ 0
Baker, Oregon 2 $ 254,000 $ 127,000 $ 23,000
Umatilla, Oregon 2 $ 492,000 $ 246,000 $ 122,000
Grant, Washington 2 $ 733,000 $ 366,500 $ 75,000
King, Washington 2 $ 474,000 $ 237,000 $ 81,000
Natrona, Wyoming 2 $ 546,000 $ 273,000 $ 111,000
Elmore, Alabama 1 $ 25,000 $ 25,000 $ 13,000
Jefferson, Alabama 1 $ 3,000 $ 3,000 $ 114,000
Humboldt, California 1 $ 30,000 $ 30,000 $ 121,000
Los Angeles, California 1 $ 206,000 $ 206,000 $ 142,000
Monterey, California 1 $ 971,000 $ 971,000 $ 267,000
Placer, California 1 $ 524,000 $ 524,000 $ 123,000
Sacramento, California 1 $ 15,000 $ 15,000 $ 72,000
San Francisco, California 1 $ 456,000 $ 456,000 $ 69,000
San Luis Obispo, California 1 $ 528,000 $ 528,000 $ 319,000
Sutter, California 1 $ 3,000 $ 3,000 $ 50,000
Denver, Colorado 1 $ 695,000 $ 695,000 $ 163,000
Douglas, Colorado 1 $ 405,000 $ 405,000 $ 241,000
Moffat, Colorado 1 $ 180,000 $ 180,000 $ 59,000
Pueblo, Colorado 1 $ 70,000 $ 70,000 $ 17,000
Weld, Colorado 1 $ 135,000 $ 135,000 $ 32,000
Broward, Florida 1 $ 10,000 $ 10,000 $ 73,000
Collier, Florida 1 $ 474,000 $ 474,000 $ 229,000
Duval, Florida 1 $ 1,000 $ 1,000 $ 0
St. Lucie, Florida 1 $ 1,000 $ 1,000 $ 31,000
Volusia, Florida 1 $ 20,000 $ 20,000 $ 28,000
Echols, Georgia 1 $ 1,000 $ 1,000 $ 18,000
Fulton, Georgia 1 $ 1,000 $ 1,000 $ 0
Ware, Georgia 1 $ 3,000 $ 3,000 $ 0
Kauai, Hawaii 1 $ 855,000 $ 855,000 $ 424,000
Benewah, Idaho 1 $ 4,000 $ 4,000 $ 109,000
Boundary, Idaho 1 $ 55,000 $ 55,000 $ 43,000
Clearwater, Idaho 1 $ 28,000 $ 28,000 $ 98,000
Lewis, Idaho 1 $ 56,000 $ 56,000 $ 35,000
Oneida, Idaho 1 $ 95,000 $ 95,000 $ 35,000
St. Clair, Illinois 1 $ 2,000 $ 2,000 $ 0
Hamilton, Indiana 1 $ 112,000 $ 112,000 $ 389,000
Elk, Kansas 1 $ 30,000 $ 30,000 $ 120,000
Taylor, Kentucky 1 $ 15,000 $ 15,000 $ 35,000
Avoyelles, Louisiana 1 $ 5,000 $ 5,000 $ 58,000
Prince George's, Maryland 1 $ 5,000 $ 5,000 $ 46,000
Norfolk, Massachusetts 1 $ 25,000 $ 25,000 $ 0
Calhoun, Michigan 1 $ 30,000 $ 30,000 $ 3,892,000
Oakland, Michigan 1 $ 10,000 $ 10,000 $ 56,000
Panola, Mississippi 1 $ 2,000 $ 2,000 $ 24,000
Putnam, Missouri 1 $ 5,000 $ 5,000 $ 16,000
Dawson, Montana 1 $ 10,000 $ 10,000 $ 113,000
Lincoln, Nevada 1 $ 100,000 $ 100,000 $ 70,000
Storey, Nevada 1 $ 109,000 $ 109,000 $ 39,000
Morris, New Jersey 1 $ 50,000 $ 50,000 $ 216,000
Sandoval, New Mexico 1 $ 254,000 $ 254,000 $ 73,000
Genesee, New York 1 $ 30,000 $ 30,000 $ 168,000
Otsego, New York 1 $ 2,000 $ 2,000 $ 40,000
McKenzie, North Dakota 1 $ 188,000 $ 188,000 $ 60,000
Delaware, Ohio 1 $ 7,000 $ 7,000 $ 120,000
Mahoning, Ohio 1 $ 2,000 $ 2,000 $ 24,000
Muskingum, Ohio 1 $ 2,000 $ 2,000 $ 42,000
Scioto, Ohio 1 $ 7,000 $ 7,000 $ 23,000
Oklahoma, Oklahoma 1 $ 1,000 $ 1,000 $ 24,000
Tulsa, Oklahoma 1 $ 7,000 $ 7,000 $ 88,000
Clackamas, Oregon 1 $ 146,000 $ 146,000 $ 37,000
Douglas, Oregon 1 $ 172,000 $ 172,000 $ 63,000
Hood River, Oregon 1 $ 388,000 $ 388,000 $ 214,000
Lake, Oregon 1 $ 40,000 $ 40,000 $ 102,000
Multnomah, Oregon 1 $ 331,000 $ 331,000 $ 145,000
Union, Oregon 1 $ 301,000 $ 301,000 $ 82,000
Chester, Pennsylvania 1 $ 5,000 $ 5,000 $ 48,000
Delaware, Pennsylvania 1 $ 1,000 $ 1,000 $ 0
Lebanon, Pennsylvania 1 $ 2,000 $ 2,000 $ 12,000
Providence, Rhode Island 1 $ 1,000 $ 1,000 $ 51,000
Greenville, South Carolina 1 $ 2,000 $ 2,000 $ 37,000
Richland, South Carolina 1 $ 2,000 $ 2,000 $ 19,000
Bell, Texas 1 $ 25,000 $ 25,000 $ 118,000
Grayson, Texas 1 $ 1,000 $ 1,000 $ 696,000
Harris, Texas 1 $ 25,000 $ 25,000 $ 32,000
Matagorda, Texas 1 $ 1,000 $ 1,000 $ 36,000
Terry, Texas 1 $ 1,000 $ 1,000 $ 29,000
Daggett, Utah 1 $ 136,000 $ 136,000 $ 44,000
Piute, Utah 1 $ 30,000 $ 30,000 $ 57,000
Loudoun, Virginia 1 $ 10,000 $ 10,000 $ 207,000
Richmond City, Virginia 1 $ 1,000 $ 1,000 $ 0
Virginia Beach, Virginia 1 $ 70,000 $ 70,000 $ 48,000
Benton, Washington 1 $ 150,000 $ 150,000 $ 34,000
Clark, Washington 1 $ 160,000 $ 160,000 $ 53,000
Cowlitz, Washington 1 $ 910,000 $ 910,000 $ 303,000
Mason, Washington 1 $ 276,000 $ 276,000 $ 139,000
Pierce, Washington 1 $ 50,000 $ 50,000 $ 75,000
Skagit, Washington 1 $ 234,000 $ 234,000 $ 61,000
Spokane, Washington 1 $ 169,000 $ 169,000 $ 63,000
Thurston, Washington 1 $ 212,000 $ 212,000 $ 119,000
Whatcom, Washington 1 $ 478,000 $ 478,000 $ 72,000
Carbon, Wyoming 1 $ 134,000 $ 134,000 $ 59,000
Platte, Wyoming 1 $ 338,000 $ 338,000 $ 153,000
Washakie, Wyoming 1 $ 245,000 $ 245,000 $ 79,000

Mortgage Loan Application Detail Totals for Zions Bancorporation, N.A. in 2014

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 2,344 $653,241,000 $278,000 $26,100,000 $136,000 $7,899,000
Refinancing 1,861 $406,758,000 $218,000 $9,000,000 $113,000 $8,133,000
Home Improvement 423 $24,281,000 $57,000 $2,000,000 $88,000 $3,892,000

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 3,859 $857,812,000 $222,000 $3,540,000 $128,000 $8,133,000
Not Provided 291 $78,823,000 $270,000 $3,000,000 $145,000 $1,768,000
Hispanic 248 $36,883,000 $148,000 $1,000,000 $68,000 $803,000
Asian 84 $16,729,000 $199,000 $910,000 $102,000 $879,000
Not applicable 68 $85,235,000 $1,253,000 $26,100,000 $0 $0
Black or African American 40 $3,422,000 $85,000 $334,000 $148,000 $3,892,000
Native Hawaiian or Other Pacific Islander 21 $3,182,000 $151,000 $432,000 $72,000 $245,000
American Indian or Alaskan Native 17 $2,194,000 $129,000 $417,000 $48,000 $106,000

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) 4,223 $1,015,473,000 $240,000 $26,100,000 $129,000 $8,133,000
FHA-insured (Federal Housing Administration) 265 $42,307,000 $159,000 $324,000 $53,000 $444,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 70 $11,188,000 $159,000 $311,000 $47,000 $80,000
VA-guaranteed (Veterans Administration) 70 $15,312,000 $218,000 $420,000 $67,000 $261,000

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 2,172 $555,685,000 $255,000 $11,625,000 $138,000 $8,133,000
Application Denied By Financial Institution 1,054 $182,199,000 $172,000 $2,200,000 $94,000 $3,892,000
Application Approved But Not Accepted 918 $220,482,000 $240,000 $3,000,000 $136,000 $4,519,000
Loan Purchased By The Institution 452 $81,911,000 $181,000 $417,000 $80,000 $450,000
Application Withdrawn By Applicant 31 $43,887,000 $1,415,000 $26,100,000 $239,000 $2,118,000
File Closed For Incompleteness 1 $116,000 $116,000 $116,000 $0 $0
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 621 $87,165,000 $140,000 $1,500,000 $94,000 $3,892,000
Debt-To-Income Ratio 246 $53,093,000 $215,000 $2,200,000 $57,000 $392,000
Collateral 136 $32,182,000 $236,000 $1,500,000 $143,000 $950,000
Other 28 $4,413,000 $157,000 $700,000 $153,000 $1,234,000
Unverifiable Information 10 $3,012,000 $301,000 $971,000 $162,000 $522,000
Employment History 9 $1,371,000 $152,000 $233,000 $33,000 $96,000
Insufficient Cash (Downpayment, Closing Cost) 3 $899,000 $299,000 $544,000 $96,000 $120,000
Credit Application Incomplete 1 $64,000 $64,000 $64,000 $58,000 $58,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'s 2014 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.
For a list of all lenders in Colorado, download the full spreadsheet with aggregated HMDA statistics today.

Download the Colorado Lender List