Zions Bancorporation, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Zions Bancorporation, N.A. 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Zions Bancorporation, N.A. One South Main Street 16Th Floor Salt Lake City, UT 84133 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 29,787 |
| Total Mortgage Loan Application Amount | $9,381,925,000 |
| Average Mortgage Loan Application Amount | $312,200 |
| Highest Mortgage Loan Application Amount | $66,695,000 |
| Average Applicant Income | $180,400 |
| Highest Applicant Income | $8,922,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Zions Bancorporation, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Zions Bancorporation, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Zions Bancorporation, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Zions Bancorporation, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Zions Bancorporation, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Zions Bancorporation, N.A.'s mortgage activity for 2019.
| 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 | 4,589 | $ 1,396,375,000 | $ 304,000 | $ 194,000 |
| NA (OUTSIDE OF MSA/MD) | 4,090 | $ 1,102,340,000 | $ 326,200 | $ 307,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 3,037 | $ 799,355,000 | $ 263,000 | $ 161,000 |
| DENVER-AURORA-LAKEWOOD, CO | 2,336 | $ 624,190,000 | $ 267,000 | $ 176,000 |
| SALT LAKE CITY, UT | 1,946 | $ 805,650,000 | $ 414,000 | $ 166,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1,687 | $ 505,765,000 | $ 299,000 | $ 193,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 938 | $ 570,260,000 | $ 607,000 | $ 288,000 |
| PROVO-OREM, UT | 857 | $ 258,175,000 | $ 301,000 | $ 174,000 |
| OGDEN-CLEARFIELD, UT | 811 | $ 244,625,000 | $ 301,000 | $ 158,000 |
| SAN DIEGO-CARLSBAD, CA | 680 | $ 325,030,000 | $ 477,000 | $ 245,000 |
| ST. GEORGE, UT | 676 | $ 214,750,000 | $ 317,000 | $ 209,000 |
| TUCSON, AZ | 581 | $ 128,135,000 | $ 220,000 | $ 137,000 |
| BOISE CITY, ID | 569 | $ 159,915,000 | $ 281,000 | $ 144,000 |
| DALLAS-PLANO-IRVING, TX | 549 | $ 229,375,000 | $ 417,000 | $ 241,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 539 | $ 109,165,000 | $ 202,000 | $ 108,000 |
| COLORADO SPRINGS, CO | 421 | $ 82,285,000 | $ 195,000 | $ 128,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 402 | $ 194,470,000 | $ 483,000 | $ 285,000 |
| BOULDER, CO | 386 | $ 97,990,000 | $ 253,000 | $ 181,000 |
| RENO, NV | 374 | $ 83,120,000 | $ 222,000 | $ 144,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 358 | $ 42,500,000 | $ 118,000 | $ 90,000 |
| LOGAN, UT-ID | 331 | $ 61,555,000 | $ 193,500 | $ 91,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 328 | $ 125,780,000 | $ 383,000 | $ 233,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 302 | $ 79,330,000 | $ 262,000 | $ 165,000 |
| IDAHO FALLS, ID | 242 | $ 48,980,000 | $ 202,000 | $ 115,000 |
| FLAGSTAFF, AZ | 229 | $ 56,485,000 | $ 246,000 | $ 166,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 218 | $ 127,860,000 | $ 586,000 | $ 258,000 |
| YUMA, AZ | 207 | $ 26,155,000 | $ 126,000 | $ 92,000 |
| AUSTIN-ROUND ROCK, TX | 186 | $ 139,230,000 | $ 748,000 | $ 325,000 |
| PUEBLO, CO | 171 | $ 20,785,000 | $ 121,000 | $ 86,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 143 | $ 88,995,000 | $ 622,000 | $ 343,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 142 | $ 76,240,000 | $ 536,000 | $ 356,000 |
| SIERRA VISTA-DOUGLAS, AZ | 138 | $ 14,340,000 | $ 103,000 | $ 73,000 |
| FRESNO, CA | 110 | $ 33,700,000 | $ 306,000 | $ 213,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 110 | $ 35,280,000 | $ 320,000 | $ 178,000 |
| GRAND JUNCTION, CO | 104 | $ 21,570,000 | $ 207,000 | $ 122,000 |
| FORT COLLINS, CO | 97 | $ 19,535,000 | $ 201,000 | $ 173,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 94 | $ 89,000,000 | $ 946,000 | $ 422,000 |
| POCATELLO, ID | 91 | $ 16,395,000 | $ 180,000 | $ 147,000 |
| GREELEY, CO | 89 | $ 21,295,000 | $ 239,000 | $ 160,000 |
| FORT WORTH-ARLINGTON, TX | 83 | $ 22,135,000 | $ 266,000 | $ 178,000 |
| FARMINGTON, NM | 71 | $ 10,275,000 | $ 144,000 | $ 110,000 |
| TWIN FALLS, ID | 58 | $ 8,820,000 | $ 152,000 | $ 106,000 |
| LEWISTON, ID-WA | 44 | $ 7,780,000 | $ 168,500 | $ 100,000 |
| BAKERSFIELD, CA | 40 | $ 11,900,000 | $ 297,000 | $ 137,000 |
| CARSON CITY, NV | 38 | $ 6,710,000 | $ 176,000 | $ 106,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 31 | $ 57,355,000 | $ 1,850,000 | $ 336,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 24 | $ 32,420,000 | $ 899,500 | $ 185,000 |
| SAN RAFAEL, CA | 22 | $ 21,560,000 | $ 980,000 | $ 536,000 |
| VALLEJO-FAIRFIELD, CA | 15 | $ 4,115,000 | $ 274,000 | $ 173,000 |
| COLLEGE STATION-BRYAN, TX | 14 | $ 10,080,000 | $ 720,000 | $ 195,000 |
| SHERMAN-DENISON, TX | 11 | $ 1,115,000 | $ 101,000 | $ 106,000 |
| STOCKTON-LODI, CA | 10 | $ 3,630,000 | $ 363,000 | $ 320,000 |
| SALINAS, CA | 9 | $ 26,585,000 | $ 2,953,000 | $ 338,000 |
| COEUR D'ALENE, ID | 8 | $ 2,570,000 | $ 321,000 | $ 184,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 8 | $ 4,890,000 | $ 611,000 | $ 266,000 |
| SANTA ROSA, CA | 8 | $ 2,830,000 | $ 353,000 | $ 251,000 |
| CORPUS CHRISTI, TX | 7 | $ 2,345,000 | $ 335,000 | $ 375,000 |
| EL CENTRO, CA | 7 | $ 15,545,000 | $ 2,220,000 | $ 93,000 |
| SANTA CRUZ-WATSONVILLE, CA | 7 | $ 4,885,000 | $ 697,000 | $ 352,000 |
| SANTA FE, NM | 7 | $ 3,365,000 | $ 480,000 | $ 243,000 |
| SPOKANE-SPOKANE VALLEY, WA | 7 | $ 1,385,000 | $ 197,000 | $ 188,000 |
| ALBUQUERQUE, NM | 6 | $ 1,360,000 | $ 226,000 | $ 103,000 |
| LUBBOCK, TX | 5 | $ 1,105,000 | $ 221,000 | $ 162,000 |
| MADERA, CA | 5 | $ 1,295,000 | $ 259,000 | $ 172,000 |
| BREMERTON-SILVERDALE, WA | 4 | $ 2,840,000 | $ 710,000 | $ 406,000 |
| GRANTS PASS, OR | 4 | $ 1,200,000 | $ 300,000 | $ 415,000 |
| KILLEEN-TEMPLE, TX | 4 | $ 1,190,000 | $ 297,000 | $ 246,000 |
| SANTA MARIA-SANTA BARBARA, CA | 4 | $ 650,000 | $ 162,000 | $ 194,000 |
| TACOMA-LAKEWOOD, WA | 4 | $ 1,300,000 | $ 325,000 | $ 378,000 |
| VISALIA-PORTERVILLE, CA | 4 | $ 1,140,000 | $ 285,000 | $ 171,000 |
| BEAUMONT-PORT ARTHUR, TX | 3 | $ 575,000 | $ 191,000 | $ 137,000 |
| CASPER, WY | 3 | $ 575,000 | $ 191,000 | $ 33,000 |
| MCALLEN-EDINBURG-MISSION, TX | 3 | $ 725,000 | $ 241,000 | $ 116,000 |
| MERCED, CA | 3 | $ 165,000 | $ 55,000 | $ 63,000 |
| MIDLAND, TX | 3 | $ 1,945,000 | $ 648,000 | $ 497,000 |
| NAPA, CA | 3 | $ 2,335,000 | $ 778,000 | $ 327,000 |
| WACO, TX | 3 | $ 465,000 | $ 155,000 | $ 123,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 2 | $ 790,000 | $ 395,000 | $ 440,000 |
| BROWNSVILLE-HARLINGEN, TX | 2 | $ 3,010,000 | $ 1,505,000 | $ 757,000 |
| CHEYENNE, WY | 2 | $ 770,000 | $ 385,000 | $ 165,000 |
| EUGENE, OR | 2 | $ 340,000 | $ 170,000 | $ 66,000 |
| KENNEWICK-RICHLAND, WA | 2 | $ 11,890,000 | $ 5,945,000 | $ 142,000 |
| LAS CRUCES, NM | 2 | $ 210,000 | $ 105,000 | $ 85,000 |
| LONGVIEW, TX | 2 | $ 330,000 | $ 165,000 | $ 53,000 |
| MEDFORD, OR | 2 | $ 560,000 | $ 280,000 | $ 1,134,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 2 | $ 290,000 | $ 145,000 | $ 154,000 |
| TYLER, TX | 2 | $ 460,000 | $ 230,000 | $ 93,000 |
| YUBA CITY, CA | 2 | $ 290,000 | $ 145,000 | $ 184,000 |
| ABILENE, TX | 1 | $ 85,000 | $ 85,000 | $ 47,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 1 | $ 815,000 | $ 815,000 | $ 0 |
| CHICAGO-NAPERVILLE, IL | 1 | $ 15,000 | $ 15,000 | $ 0 |
| CORVALLIS, OR | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 1 | $ 555,000 | $ 555,000 | $ 2,459,000 |
| HANFORD-CORCORAN, CA | 1 | $ 55,000 | $ 55,000 | $ 275,000 |
| JACKSONVILLE, FL | 1 | $ 1,285,000 | $ 1,285,000 | $ 0 |
| KAHULUI-WAILUKU-LAHAINA, HI | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,080,000 |
| LAREDO, TX | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| MANKATO-NORTH MANKATO, MN | 1 | $ 205,000 | $ 205,000 | $ 216,000 |
| MODESTO, CA | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 405,000 | $ 405,000 | $ 84,000 |
| NEW ORLEANS-METAIRIE, LA | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| NEW YORK-NEWARK, NY | 1 | $ 455,000 | $ 455,000 | $ 302,000 |
| ODESSA, TX | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| REDDING, CA | 1 | $ 125,000 | $ 125,000 | $ 146,000 |
| WICHITA, KS | 1 | $ 25,000 | $ 25,000 | $ 362,000 |
Mortgage Loan Application Detail Totals for Zions Bancorporation, N.A. in 2019
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 7,615 | $1,151,395,000 | $151,000 | $2,865,000 | $150,000 | $7,674,000 |
| Home Purchase | 6,582 | $3,822,130,000 | $580,000 | $66,695,000 | $241,000 | $8,827,000 |
| Cash-out Refinancing | 5,877 | $1,860,945,000 | $316,000 | $45,005,000 | $176,000 | $8,922,000 |
| Refinancing | 5,096 | $1,809,730,000 | $355,000 | $40,005,000 | $194,000 | $6,591,000 |
| Home Improvement | 4,617 | $737,725,000 | $159,000 | $4,005,000 | $141,000 | $5,280,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 22,118 | $5,988,620,000 | $270,000 | $10,205,000 | $179,000 | $8,922,000 |
| Not Provided | 2,354 | $1,100,500,000 | $467,000 | $11,135,000 | $249,000 | $5,366,000 |
| Hispanic | 2,242 | $483,130,000 | $215,000 | $6,005,000 | $125,000 | $5,656,000 |
| Asian | 1,177 | $482,045,000 | $409,000 | $10,005,000 | $231,000 | $6,591,000 |
| Black or African American | 541 | $103,175,000 | $190,000 | $2,585,000 | $145,000 | $5,280,000 |
| American Indian or Alaskan Native | 253 | $38,395,000 | $151,000 | $1,925,000 | $118,000 | $857,000 |
| Not applicable | 162 | $980,400,000 | $6,051,000 | $66,695,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 56 | $14,730,000 | $263,000 | $1,005,000 | $180,000 | $998,000 |
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) | 29,349 | $9,267,535,000 | $315,000 | $66,695,000 | $182,000 | $8,922,000 |
| FHA-insured (Federal Housing Administration) | 244 | $55,580,000 | $227,000 | $515,000 | $67,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 168 | $53,550,000 | $318,000 | $995,000 | $88,000 | $530,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $5,260,000 | $202,000 | $325,000 | $58,000 | $120,000 |
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 | 16,260 | $5,195,060,000 | $319,000 | $66,695,000 | $192,000 | $8,922,000 |
| Application Denied By Financial Institution | 8,113 | $1,884,595,000 | $232,000 | $23,905,000 | $133,000 | $8,820,000 |
| Application Approved But Not Accepted | 4,998 | $1,892,320,000 | $378,000 | $11,135,000 | $226,000 | $8,827,000 |
| Loan Purchased By The Institution | 185 | $46,965,000 | $253,000 | $505,000 | $75,000 | $279,000 |
| Application Withdrawn By Applicant | 143 | $174,105,000 | $1,217,000 | $47,005,000 | $282,000 | $5,184,000 |
| File Closed For Incompleteness | 88 | $188,880,000 | $2,146,000 | $42,255,000 | $207,000 | $3,600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 21,674 | $7,497,330,000 | $345,000 | $66,695,000 | $199,000 | $8,922,000 |
| Debt-To-Income Ratio | 3,003 | $906,455,000 | $301,000 | $10,355,000 | $88,000 | $1,305,000 |
| Credit History | 2,286 | $305,870,000 | $133,000 | $3,005,000 | $118,000 | $8,820,000 |
| Collateral | 2,158 | $439,220,000 | $203,000 | $7,005,000 | $183,000 | $5,280,000 |
| Other | 410 | $125,510,000 | $306,000 | $23,905,000 | $206,000 | $3,574,000 |
| Unverifiable Information | 95 | $45,515,000 | $479,000 | $10,245,000 | $240,000 | $3,840,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 90 | $33,560,000 | $372,000 | $2,505,000 | $169,000 | $1,054,000 |
| Credit Application Incomplete | 46 | $17,740,000 | $385,000 | $3,555,000 | $325,000 | $2,630,000 |
| Employment History | 23 | $10,345,000 | $449,000 | $1,505,000 | $288,000 | $2,883,000 |
| Mortgage Insurance Denied | 2 | $380,000 | $190,000 | $235,000 | $43,000 | $48,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'s 2019 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 Utah, download the full spreadsheet
with aggregated HMDA statistics today.