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records Zions Bancorporation, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 835 | $ 207,949,000 | $ 249,040 | $ 124,000 |
| Ogden-Clearfield, UT | 388 | $ 99,291,000 | $ 255,904 | $ 116,000 |
| Provo-Orem, UT | 381 | $ 95,768,000 | $ 251,359 | $ 137,000 |
| St. George, UT | 327 | $ 75,566,000 | $ 231,088 | $ 126,000 |
| Boise City, ID | 290 | $ 86,868,000 | $ 299,544 | $ 107,000 |
| Las Vegas-Henderson-Paradise, NV | 237 | $ 45,087,000 | $ 190,240 | $ 181,000 |
| Logan, UT-ID | 189 | $ 31,074,000 | $ 164,412 | $ 82,809 |
| Idaho Falls, ID | 124 | $ 22,913,000 | $ 184,782 | $ 117,000 |
| Phoenix-Mesa-Scottsdale, AZ | 72 | $ 16,698,000 | $ 231,916 | $ 99,000 |
| Pocatello, ID | 46 | $ 6,649,000 | $ 144,543 | $ 93,000 |
| Prescott, AZ | 41 | $ 7,136,000 | $ 174,048 | $ 71,000 |
| Lewiston, ID-WA | 31 | $ 7,017,000 | $ 226,354 | $ 335,838 |
| Reno, NV | 26 | $ 4,459,000 | $ 171,500 | $ 63,000 |
| Tucson, AZ | 23 | $ 5,167,000 | $ 224,652 | $ 115,000 |
| Lake Havasu City-Kingman, AZ | 18 | $ 3,415,000 | $ 189,722 | $ 70,000 |
| Flagstaff, AZ | 13 | $ 2,025,000 | $ 155,769 | $ 92,000 |
| Yuma, AZ | 9 | $ 1,329,000 | $ 147,666 | $ 100,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 2,848,000 | $ 356,000 | $ 236,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 1,942,000 | $ 242,750 | $ 178,000 |
| San Diego-Carlsbad, CA | 8 | $ 5,149,000 | $ 643,625 | $ 663,000 |
| Coeur D'Alene, ID | 7 | $ 1,402,000 | $ 200,285 | $ 102,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 3,930,000 | $ 655,000 | $ 232,000 |
| Sierra Vista-Douglas, AZ | 6 | $ 589,000 | $ 98,166 | $ 41,000 |
| Carson City, NV | 3 | $ 429,000 | $ 143,000 | $ 52,000 |
| Memphis, TN-MS-AR | 3 | $ 26,000 | $ 8,666 | $ 37,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 637,000 | $ 212,333 | $ 78,333 |
| Casper, WY | 2 | $ 546,000 | $ 273,000 | $ 111,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 23,000 | $ 11,500 | $ 51,000 |
| Grand Junction, CO | 2 | $ 670,000 | $ 335,000 | $ 162,000 |
| Jackson, MS | 2 | $ 6,000 | $ 3,000 | $ 28,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 539,000 | $ 269,500 | $ 97,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 474,000 | $ 237,000 | $ 81,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 15,000 | $ 7,500 | $ 126,500 |
| Albuquerque, NM | 1 | $ 254,000 | $ 254,000 | $ 73,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Battle Creek, MI | 1 | $ 30,000 | $ 30,000 | $ 3,892,000 |
| Bellingham, WA | 1 | $ 478,000 | $ 478,000 | $ 72,000 |
| Birmingham-Hoover, AL | 1 | $ 3,000 | $ 3,000 | $ 114,000 |
| Boston, MA | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Columbia, SC | 1 | $ 2,000 | $ 2,000 | $ 19,000 |
| Columbus, OH | 1 | $ 7,000 | $ 7,000 | $ 120,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 20,000 | $ 20,000 | $ 28,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 10,000 | $ 10,000 | $ 73,000 |
| Greeley, CO | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 2,000 | $ 2,000 | $ 37,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 112,000 | $ 112,000 | $ 389,000 |
| Jacksonville, FL | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 150,000 | $ 150,000 | $ 34,000 |
| Killeen-Temple, TX | 1 | $ 25,000 | $ 25,000 | $ 118,000 |
| Lebanon, PA | 1 | $ 2,000 | $ 2,000 | $ 12,000 |
| Longview, WA | 1 | $ 910,000 | $ 910,000 | $ 303,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 206,000 | $ 206,000 | $ 142,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
| Montgomery, AL | 1 | $ 25,000 | $ 25,000 | $ 13,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 234,000 | $ 234,000 | $ 61,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 474,000 | $ 474,000 | $ 229,000 |
| Newark, NJ-PA | 1 | $ 50,000 | $ 50,000 | $ 216,000 |
| Oklahoma City, OK | 1 | $ 1,000 | $ 1,000 | $ 24,000 |
| Olympia-Tumwater, WA | 1 | $ 212,000 | $ 212,000 | $ 119,000 |
| Philadelphia, PA | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 1,000 | $ 1,000 | $ 31,000 |
| Providence-Warwick, RI-MA | 1 | $ 1,000 | $ 1,000 | $ 51,000 |
| Pueblo, CO | 1 | $ 70,000 | $ 70,000 | $ 17,000 |
| Richmond, VA | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Salinas, CA | 1 | $ 971,000 | $ 971,000 | $ 267,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 456,000 | $ 456,000 | $ 69,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 528,000 | $ 528,000 | $ 319,000 |
| Sherman-Denison, TX | 1 | $ 1,000 | $ 1,000 | $ 696,000 |
| Spokane-Spokane Valley, WA | 1 | $ 169,000 | $ 169,000 | $ 63,000 |
| St. Louis, MO-IL | 1 | $ 2,000 | $ 2,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 50,000 | $ 50,000 | $ 75,000 |
| Tulsa, OK | 1 | $ 7,000 | $ 7,000 | $ 88,000 |
| Valdosta, GA | 1 | $ 1,000 | $ 1,000 | $ 18,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 10,000 | $ 10,000 | $ 56,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 2,000 | $ 2,000 | $ 24,000 |
| Yuba City, CA | 1 | $ 3,000 | $ 3,000 | $ 50,000 |
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.
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