Zions Bancorporation, N.A. Mortgage Lending & HMDA Data, 2016
In 2016, Zions Bancorporation, N.A. of Denver, CO reported 9,971 mortgage applications totaling $4.1 billion, up 138% from 2015. The average application was for $406,447, and applicants reported an average income of $177,949. 53% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (1,104), Salt Lake City, UT (907) and Denver-Aurora-Lakewood, CO (707) (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 | 9,971 |
| Total Mortgage Loan Application Amount | $4,052,684,000 |
| Average Mortgage Loan Application Amount | $406,447 |
| Highest Mortgage Loan Application Amount | $45,500,000 |
| Average Applicant Income | $177,949 |
| Highest Applicant Income | $9,999,000 |
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records Zions Bancorporation, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Las Vegas-Henderson-Paradise, NV | 1,104 | $ 352,055,000 | $ 318,890 | $ 169,000 |
| Salt Lake City, UT | 907 | $ 324,597,000 | $ 357,879 | $ 156,000 |
| Denver-Aurora-Lakewood, CO | 707 | $ 277,335,000 | $ 392,270 | $ 159,000 |
| Provo-Orem, UT | 464 | $ 171,961,000 | $ 370,605 | $ 176,000 |
| Ogden-Clearfield, UT | 445 | $ 134,084,000 | $ 301,312 | $ 136,000 |
| Phoenix-Mesa-Scottsdale, AZ | 391 | $ 250,965,000 | $ 641,854 | $ 281,000 |
| Los Angeles-Long Beach-Glendale, CA | 367 | $ 391,124,000 | $ 1,065,732 | $ 330,000 |
| Houston-The Woodlands-Sugar Land, TX | 357 | $ 25,338,000 | $ 70,974 | $ 119,000 |
| St. George, UT | 339 | $ 112,925,000 | $ 333,112 | $ 182,000 |
| San Diego-Carlsbad, CA | 283 | $ 189,562,000 | $ 669,830 | $ 231,000 |
| Anaheim-Santa Ana-Irvine, CA | 278 | $ 238,375,000 | $ 857,464 | $ 426,000 |
| Logan, UT-ID | 182 | $ 41,733,000 | $ 229,302 | $ 104,329 |
| Tucson, AZ | 172 | $ 77,481,000 | $ 450,470 | $ 192,000 |
| Colorado Springs, CO | 166 | $ 46,771,000 | $ 281,753 | $ 112,000 |
| Reno, NV | 160 | $ 53,355,000 | $ 333,468 | $ 183,000 |
| Boise City, ID | 155 | $ 45,609,000 | $ 294,251 | $ 166,000 |
| Riverside-San Bernardino-Ontario, CA | 125 | $ 47,492,000 | $ 379,936 | $ 171,000 |
| Idaho Falls, ID | 116 | $ 29,975,000 | $ 258,405 | $ 100,000 |
| Prescott, AZ | 110 | $ 42,477,000 | $ 386,154 | $ 222,000 |
| Lake Havasu City-Kingman, AZ | 106 | $ 21,136,000 | $ 199,396 | $ 128,000 |
| Pueblo, CO | 98 | $ 11,608,000 | $ 118,448 | $ 74,000 |
| San Francisco-Redwood City-South San Francisco, CA | 85 | $ 117,042,000 | $ 1,376,964 | $ 188,000 |
| Flagstaff, AZ | 76 | $ 27,440,000 | $ 361,052 | $ 281,000 |
| Boulder, CO | 65 | $ 32,735,000 | $ 503,615 | $ 225,000 |
| Oakland-Hayward-Berkeley, CA | 63 | $ 84,782,000 | $ 1,345,746 | $ 159,000 |
| Yuma, AZ | 50 | $ 7,668,000 | $ 153,360 | $ 114,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 40 | $ 33,938,000 | $ 848,450 | $ 244,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 36 | $ 17,253,000 | $ 479,250 | $ 335,000 |
| Farmington, NM | 31 | $ 4,791,000 | $ 154,548 | $ 74,000 |
| Grand Junction, CO | 31 | $ 7,548,000 | $ 243,483 | $ 95,000 |
| Fresno, CA | 28 | $ 12,814,000 | $ 457,642 | $ 390,000 |
| Lewiston, ID-WA | 25 | $ 4,729,000 | $ 189,160 | $ 116,560 |
| Fort Collins, CO | 23 | $ 8,162,000 | $ 354,869 | $ 165,000 |
| Sierra Vista-Douglas, AZ | 22 | $ 2,412,000 | $ 109,636 | $ 49,000 |
| San Rafael, CA | 21 | $ 27,795,000 | $ 1,323,571 | $ 249,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 20 | $ 12,713,000 | $ 635,650 | $ 204,000 |
| Pocatello, ID | 19 | $ 9,256,000 | $ 487,157 | $ 154,000 |
| Carson City, NV | 18 | $ 4,098,000 | $ 227,666 | $ 69,000 |
| Greeley, CO | 15 | $ 4,026,000 | $ 268,400 | $ 126,000 |
| Dallas-Plano-Irving, TX | 12 | $ 402,000 | $ 33,500 | $ 175,000 |
| Bakersfield, CA | 11 | $ 1,353,000 | $ 123,000 | $ 93,000 |
| Coeur D'Alene, ID | 11 | $ 2,987,000 | $ 271,545 | $ 165,000 |
| San Antonio-New Braunfels, TX | 10 | $ 418,000 | $ 41,800 | $ 101,000 |
| Santa Rosa, CA | 8 | $ 7,025,000 | $ 878,125 | $ 196,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 74,219,000 | $ 9,277,375 | $ 154,000 |
| Madera, CA | 7 | $ 3,306,000 | $ 472,285 | $ 484,000 |
| Salinas, CA | 7 | $ 7,005,000 | $ 1,000,714 | $ 413,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 10,910,000 | $ 2,182,000 | $ 98,000 |
| Modesto, CA | 4 | $ 1,078,000 | $ 269,500 | $ 126,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 2,043,000 | $ 510,750 | $ 182,000 |
| Urban Honolulu, HI | 4 | $ 836,000 | $ 209,000 | $ 1,341,000 |
| Austin-Round Rock, TX | 3 | $ 442,000 | $ 147,333 | $ 43,000 |
| Kennewick-Richland, WA | 3 | $ 793,000 | $ 264,333 | $ 91,000 |
| Hanford-Corcoran, CA | 2 | $ 252,000 | $ 126,000 | $ 70,000 |
| Medford, OR | 2 | $ 662,000 | $ 331,000 | $ 123,000 |
| Napa, CA | 2 | $ 2,438,000 | $ 1,219,000 | $ 748,000 |
| Spokane-Spokane Valley, WA | 2 | $ 459,000 | $ 229,500 | $ 163,000 |
| Vallejo-Fairfield, CA | 2 | $ 651,000 | $ 325,500 | $ 136,000 |
| Bend-Redmond, OR | 1 | $ 343,000 | $ 343,000 | $ 227,000 |
| Boston, MA | 1 | $ 890,000 | $ 890,000 | $ 1,080,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 1,488,000 | $ 1,488,000 | $ 0 |
| El Centro, CA | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Fort Worth-Arlington, TX | 1 | $ 7,741,000 | $ 7,741,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 44,000 | $ 44,000 | $ 30,000 |
| Las Cruces, NM | 1 | $ 500,000 | $ 500,000 | $ 297,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 20,000 | $ 20,000 | $ 9,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 15,000 | $ 15,000 | $ 19,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 610,000 | $ 610,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 1,750,000 | $ 1,750,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 289,000 | $ 289,000 | $ 95,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Philadelphia, PA | 1 | $ 134,000 | $ 134,000 | $ 36,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 235,000 | $ 235,000 | $ 101,000 |
| Santa Fe, NM | 1 | $ 350,000 | $ 350,000 | $ 734,000 |
| Stockton-Lodi, CA | 1 | $ 376,000 | $ 376,000 | $ 144,000 |
| Visalia-Porterville, CA | 1 | $ 168,000 | $ 168,000 | $ 0 |
Mortgage Loan Application Detail Totals for Zions Bancorporation, N.A. in 2016
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 | 4,734 | $1,916,662,000 | $404,000 | $23,000,000 | $183,000 | $9,999,000 |
| Home Purchase | 4,092 | $2,008,178,000 | $490,000 | $45,500,000 | $190,000 | $8,547,000 |
| Home Improvement | 1,145 | $127,844,000 | $111,000 | $6,250,000 | $114,000 | $3,813,000 |
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 | 7,156 | $2,594,475,000 | $362,000 | $11,891,000 | $173,000 | $9,999,000 |
| Not Provided | 1,188 | $592,787,000 | $498,000 | $8,113,000 | $246,000 | $8,547,000 |
| Hispanic | 788 | $159,712,000 | $202,000 | $5,000,000 | $108,000 | $3,000,000 |
| Asian | 457 | $220,081,000 | $481,000 | $3,675,000 | $248,000 | $3,689,000 |
| Not applicable | 146 | $428,488,000 | $2,934,000 | $45,500,000 | $1,000 | $243,000 |
| Black or African American | 132 | $30,798,000 | $233,000 | $2,925,000 | $269,000 | $8,003,000 |
| American Indian or Alaskan Native | 59 | $16,069,000 | $272,000 | $2,000,000 | $122,000 | $1,096,000 |
| Native Hawaiin or Other Pacific Islander | 45 | $10,274,000 | $228,000 | $822,000 | $98,000 | $407,000 |
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) | 9,381 | $3,929,168,000 | $418,000 | $45,500,000 | $185,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 362 | $70,385,000 | $194,000 | $617,000 | $62,000 | $1,440,000 |
| VA-guaranteed (Veterans Administration) | 176 | $43,956,000 | $249,000 | $1,059,000 | $80,000 | $1,708,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $9,175,000 | $176,000 | $344,000 | $58,000 | $458,000 |
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 | 5,267 | $2,211,660,000 | $419,000 | $42,655,000 | $190,000 | $8,003,000 |
| Application Approved But Not Accepted | 2,409 | $907,650,000 | $376,000 | $6,250,000 | $208,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,939 | $591,013,000 | $304,000 | $9,264,000 | $120,000 | $5,252,000 |
| Application Withdrawn By Applicant | 235 | $230,642,000 | $981,000 | $45,500,000 | $127,000 | $1,440,000 |
| Loan Purchased By The Institution | 101 | $104,216,000 | $1,031,000 | $3,030,000 | $0 | $72,000 |
| File Closed For Incompleteness | 20 | $7,503,000 | $375,000 | $2,017,000 | $389,000 | $3,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 788 | $315,756,000 | $400,000 | $9,264,000 | $83,000 | $1,833,000 |
| Credit History | 769 | $136,568,000 | $177,000 | $2,700,000 | $127,000 | $4,150,000 |
| Collateral | 193 | $75,682,000 | $392,000 | $7,000,000 | $216,000 | $5,252,000 |
| Other | 103 | $31,835,000 | $309,000 | $5,000,000 | $183,000 | $4,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 34 | $10,514,000 | $309,000 | $3,000,000 | $92,000 | $410,000 |
| Unverifiable Information | 25 | $11,886,000 | $475,000 | $3,000,000 | $191,000 | $1,020,000 |
| Employment History | 20 | $7,638,000 | $381,000 | $2,925,000 | $65,000 | $155,000 |
| Credit Application Incomplete | 7 | $1,134,000 | $162,000 | $350,000 | $119,000 | $310,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'s 2016 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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