Zions Bancorporation, N.A. Mortgage Lending & HMDA Data, 2017
In 2017, Zions Bancorporation, N.A. of Denver, CO reported 12,321 mortgage applications totaling $5.1 billion, up 24% from 2016. The average application was for $411,542, and applicants reported an average income of $201,899. 50% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (2,785), Las Vegas-Henderson-Paradise, NV (1,081) and Salt Lake City, UT (704) (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 | 12,321 |
| Total Mortgage Loan Application Amount | $5,070,617,000 |
| Average Mortgage Loan Application Amount | $411,542 |
| Highest Mortgage Loan Application Amount | $28,750,000 |
| Average Applicant Income | $201,899 |
| Highest Applicant Income | $19,200,000 |
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records Zions Bancorporation, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 2,785 | $ 1,026,989,000 | $ 368,757 | $ 209,000 |
| Las Vegas-Henderson-Paradise, NV | 1,081 | $ 391,935,000 | $ 362,567 | $ 211,000 |
| Salt Lake City, UT | 704 | $ 270,027,000 | $ 383,561 | $ 177,000 |
| Denver-Aurora-Lakewood, CO | 604 | $ 263,085,000 | $ 435,571 | $ 182,000 |
| Phoenix-Mesa-Scottsdale, AZ | 475 | $ 260,884,000 | $ 549,229 | $ 217,000 |
| Los Angeles-Long Beach-Glendale, CA | 384 | $ 329,498,000 | $ 858,067 | $ 290,000 |
| Provo-Orem, UT | 337 | $ 114,601,000 | $ 340,062 | $ 149,000 |
| Ogden-Clearfield, UT | 323 | $ 108,126,000 | $ 334,755 | $ 134,000 |
| St. George, UT | 293 | $ 111,960,000 | $ 382,116 | $ 175,000 |
| San Diego-Carlsbad, CA | 281 | $ 163,295,000 | $ 581,120 | $ 289,000 |
| San Antonio-New Braunfels, TX | 274 | $ 150,194,000 | $ 548,153 | $ 336,000 |
| Dallas-Plano-Irving, TX | 253 | $ 154,726,000 | $ 611,565 | $ 305,000 |
| Tucson, AZ | 194 | $ 69,219,000 | $ 356,798 | $ 148,000 |
| Boise City, ID | 188 | $ 45,522,000 | $ 242,138 | $ 116,000 |
| Austin-Round Rock, TX | 180 | $ 126,393,000 | $ 702,183 | $ 408,000 |
| Anaheim-Santa Ana-Irvine, CA | 176 | $ 150,718,000 | $ 856,352 | $ 443,000 |
| Reno, NV | 159 | $ 50,784,000 | $ 319,396 | $ 167,000 |
| Colorado Springs, CO | 138 | $ 40,124,000 | $ 290,753 | $ 138,000 |
| Logan, UT-ID | 136 | $ 28,862,000 | $ 212,220 | $ 98,941 |
| Riverside-San Bernardino-Ontario, CA | 123 | $ 62,519,000 | $ 508,284 | $ 229,000 |
| Lake Havasu City-Kingman, AZ | 104 | $ 17,261,000 | $ 165,971 | $ 85,000 |
| Idaho Falls, ID | 101 | $ 19,813,000 | $ 196,168 | $ 127,000 |
| Prescott, AZ | 99 | $ 31,732,000 | $ 320,525 | $ 129,000 |
| San Francisco-Redwood City-South San Francisco, CA | 92 | $ 96,016,000 | $ 1,043,652 | $ 96,000 |
| Oakland-Hayward-Berkeley, CA | 83 | $ 51,968,000 | $ 626,120 | $ 130,000 |
| Pueblo, CO | 73 | $ 6,657,000 | $ 91,191 | $ 172,000 |
| Flagstaff, AZ | 67 | $ 29,807,000 | $ 444,880 | $ 186,000 |
| Boulder, CO | 63 | $ 26,808,000 | $ 425,523 | $ 147,000 |
| Yuma, AZ | 38 | $ 6,756,000 | $ 177,789 | $ 160,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 35 | $ 16,556,000 | $ 473,028 | $ 504,000 |
| Fresno, CA | 33 | $ 18,362,000 | $ 556,424 | $ 319,000 |
| Seattle-Bellevue-Everett, WA | 31 | $ 15,250,000 | $ 491,935 | $ 124,000 |
| Grand Junction, CO | 30 | $ 4,245,000 | $ 141,500 | $ 75,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 30 | $ 16,745,000 | $ 558,166 | $ 252,300 |
| San Jose-Sunnyvale-Santa Clara, CA | 30 | $ 34,699,000 | $ 1,156,633 | $ 151,000 |
| Farmington, NM | 27 | $ 3,748,000 | $ 138,814 | $ 218,000 |
| Fort Worth-Arlington, TX | 26 | $ 13,208,000 | $ 508,000 | $ 221,000 |
| Carson City, NV | 23 | $ 5,737,000 | $ 249,434 | $ 107,000 |
| San Rafael, CA | 23 | $ 20,380,000 | $ 886,086 | $ 120,000 |
| Pocatello, ID | 22 | $ 5,238,000 | $ 238,090 | $ 107,000 |
| Sierra Vista-Douglas, AZ | 22 | $ 2,531,000 | $ 115,045 | $ 64,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 21 | $ 11,165,000 | $ 531,666 | $ 149,000 |
| Bakersfield, CA | 17 | $ 2,602,000 | $ 153,058 | $ 96,000 |
| College Station-Bryan, TX | 17 | $ 7,550,000 | $ 444,117 | $ 362,000 |
| Corpus Christi, TX | 16 | $ 6,424,000 | $ 401,500 | $ 222,000 |
| Fort Collins, CO | 16 | $ 4,785,000 | $ 299,062 | $ 167,000 |
| Greeley, CO | 9 | $ 2,891,000 | $ 321,222 | $ 142,000 |
| Lewiston, ID-WA | 8 | $ 1,686,000 | $ 210,750 | $ 490,750 |
| Midland, TX | 8 | $ 4,801,000 | $ 600,125 | $ 384,000 |
| Santa Maria-Santa Barbara, CA | 8 | $ 11,792,000 | $ 1,474,000 | $ 196,000 |
| Napa, CA | 7 | $ 5,143,000 | $ 734,714 | $ 136,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 4,389,000 | $ 627,000 | $ 177,000 |
| Santa Rosa, CA | 7 | $ 13,849,000 | $ 1,978,428 | $ 125,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 2,183,000 | $ 363,833 | $ 177,000 |
| Redding, CA | 5 | $ 839,000 | $ 167,800 | $ 100,000 |
| Salinas, CA | 5 | $ 3,670,000 | $ 734,000 | $ 137,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 4,740,000 | $ 948,000 | $ 233,000 |
| Urban Honolulu, HI | 5 | $ 4,922,000 | $ 984,400 | $ 1,495,000 |
| Beaumont-Port Arthur, TX | 4 | $ 3,074,000 | $ 768,500 | $ 325,000 |
| Coeur D'Alene, ID | 4 | $ 1,515,000 | $ 378,750 | $ 258,000 |
| Vallejo-Fairfield, CA | 4 | $ 981,000 | $ 245,250 | $ 223,000 |
| Albany, OR | 3 | $ 617,000 | $ 205,666 | $ 94,000 |
| Killeen-Temple, TX | 3 | $ 762,000 | $ 254,000 | $ 547,000 |
| Madera, CA | 3 | $ 866,000 | $ 288,666 | $ 143,000 |
| Sherman-Denison, TX | 3 | $ 387,000 | $ 129,000 | $ 93,000 |
| Tacoma-Lakewood, WA | 3 | $ 871,000 | $ 290,333 | $ 284,000 |
| Brownsville-Harlingen, TX | 2 | $ 484,000 | $ 242,000 | $ 477,000 |
| Medford, OR | 2 | $ 1,007,000 | $ 503,500 | $ 205,000 |
| Modesto, CA | 2 | $ 445,000 | $ 222,500 | $ 115,000 |
| Spokane-Spokane Valley, WA | 2 | $ 1,280,000 | $ 640,000 | $ 420,000 |
| Tyler, TX | 2 | $ 658,000 | $ 329,000 | $ 281,000 |
| Victoria, TX | 2 | $ 912,000 | $ 456,000 | $ 172,000 |
| Visalia-Porterville, CA | 2 | $ 899,000 | $ 449,500 | $ 640,000 |
| Waco, TX | 2 | $ 370,000 | $ 185,000 | $ 228,000 |
| Yuba City, CA | 2 | $ 528,000 | $ 264,000 | $ 0 |
| Abilene, TX | 1 | $ 96,000 | $ 96,000 | $ 118,000 |
| Albuquerque, NM | 1 | $ 179,000 | $ 179,000 | $ 50,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 1,000 | $ 1,000 | $ 54,000 |
| Bend-Redmond, OR | 1 | $ 350,000 | $ 350,000 | $ 54,000 |
| Bremerton-Silverdale, WA | 1 | $ 772,000 | $ 772,000 | $ 244,000 |
| Casper, WY | 1 | $ 107,000 | $ 107,000 | $ 149,000 |
| Columbia, SC | 1 | $ 250,000 | $ 250,000 | $ 52,000 |
| El Paso, TX | 1 | $ 108,000 | $ 108,000 | $ 41,000 |
| Grants Pass, OR | 1 | $ 193,000 | $ 193,000 | $ 54,000 |
| Hanford-Corcoran, CA | 1 | $ 185,000 | $ 185,000 | $ 121,000 |
| Kennewick-Richland, WA | 1 | $ 424,000 | $ 424,000 | $ 129,000 |
| Laredo, TX | 1 | $ 72,000 | $ 72,000 | $ 120,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 429,000 | $ 429,000 | $ 73,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 125,000 | $ 125,000 | $ 115,000 |
| Philadelphia, PA | 1 | $ 30,000 | $ 30,000 | $ 87,000 |
| Richmond, VA | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Rochester, NY | 1 | $ 120,000 | $ 120,000 | $ 14,000 |
| San Angelo, TX | 1 | $ 128,000 | $ 128,000 | $ 149,000 |
| Santa Fe, NM | 1 | $ 750,000 | $ 750,000 | $ 429,000 |
| Sioux Falls, SD | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Stockton-Lodi, CA | 1 | $ 376,000 | $ 376,000 | $ 135,000 |
| Wenatchee, WA | 1 | $ 900,000 | $ 900,000 | $ 469,000 |
| Wichita, KS | 1 | $ 7,000 | $ 7,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Zions Bancorporation, N.A. in 2017
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 | 6,185 | $3,049,910,000 | $493,000 | $24,549,000 | $234,000 | $19,200,000 |
| Refinancing | 4,605 | $1,807,333,000 | $392,000 | $28,750,000 | $191,000 | $11,021,000 |
| Home Improvement | 1,531 | $213,374,000 | $139,000 | $4,500,000 | $105,000 | $6,283,000 |
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 | 8,032 | $3,281,234,000 | $408,000 | $11,700,000 | $200,000 | $13,622,000 |
| Not Provided | 1,602 | $815,274,000 | $508,000 | $9,000,000 | $288,000 | $12,292,000 |
| Hispanic | 1,343 | $297,999,000 | $221,000 | $2,304,000 | $129,000 | $19,200,000 |
| Asian | 780 | $373,505,000 | $478,000 | $5,000,000 | $244,000 | $10,015,000 |
| Black or African American | 365 | $131,592,000 | $360,000 | $4,341,000 | $94,000 | $4,992,000 |
| Not applicable | 97 | $149,045,000 | $1,536,000 | $28,750,000 | $0 | $0 |
| American Indian or Alaskan Native | 55 | $13,346,000 | $242,000 | $6,000,000 | $206,000 | $3,802,000 |
| Native Hawaiian or Other Pacific Islander | 47 | $8,622,000 | $183,000 | $1,432,000 | $99,000 | $770,000 |
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) | 11,766 | $4,954,851,000 | $421,000 | $28,750,000 | $208,000 | $19,200,000 |
| FHA-insured (Federal Housing Administration) | 352 | $70,521,000 | $200,000 | $665,000 | $61,000 | $678,000 |
| VA-guaranteed (Veterans Administration) | 161 | $38,114,000 | $236,000 | $501,000 | $72,000 | $277,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $7,131,000 | $169,000 | $315,000 | $46,000 | $92,000 |
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 | 6,172 | $2,698,411,000 | $437,000 | $28,750,000 | $222,000 | $13,622,000 |
| Application Approved But Not Accepted | 2,877 | $1,205,340,000 | $418,000 | $6,000,000 | $242,000 | $19,200,000 |
| Application Denied By Financial Institution | 2,712 | $887,210,000 | $327,000 | $11,700,000 | $132,000 | $7,206,000 |
| Loan Purchased By The Institution | 324 | $212,463,000 | $655,000 | $4,341,000 | $29,000 | $396,000 |
| Application Withdrawn By Applicant | 230 | $65,860,000 | $286,000 | $1,840,000 | $223,000 | $6,288,000 |
| File Closed For Incompleteness | 6 | $1,333,000 | $222,000 | $1,000,000 | $90,000 | $190,000 |
| 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 | 1,173 | $476,648,000 | $406,000 | $11,700,000 | $93,000 | $1,152,000 |
| Credit History | 882 | $143,285,000 | $162,000 | $5,000,000 | $125,000 | $6,283,000 |
| Collateral | 351 | $149,735,000 | $426,000 | $6,400,000 | $223,000 | $7,206,000 |
| Other | 135 | $57,641,000 | $426,000 | $2,975,000 | $229,000 | $2,101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 93 | $39,822,000 | $428,000 | $2,780,000 | $237,000 | $6,500,000 |
| Unverifiable Information | 38 | $8,847,000 | $232,000 | $900,000 | $112,000 | $700,000 |
| Employment History | 32 | $9,926,000 | $310,000 | $1,680,000 | $84,000 | $372,000 |
| Credit Application Incomplete | 6 | $745,000 | $124,000 | $396,000 | $80,000 | $193,000 |
| Mortgage Insurance Denied | 2 | $561,000 | $280,000 | $333,000 | $92,000 | $112,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'s 2017 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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