Zions Bancorporation, N.A. Mortgage Lending & HMDA Data, 2022
In 2022, Zions Bancorporation, N.A. of Denver, CO reported 30,489 mortgage applications totaling $13.3 billion, down 8% from 2021. The average application was for $434,723, and applicants reported an average income of $232,407. 55% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (3,603), Las Vegas-Henderson-Paradise, NV (3,422) and Denver-Aurora-Lakewood, CO (2,281) (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 | 30,489 |
| Total Mortgage Loan Application Amount | $13,254,285,000 |
| Average Mortgage Loan Application Amount | $434,723 |
| Highest Mortgage Loan Application Amount | $50,005,000 |
| Average Applicant Income | $232,407 |
| Highest Applicant Income | $9,036,000 |
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records Zions Bancorporation, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 4,169 | $ 2,153,965,000 | $ 516,662 | $ 242,698 |
| Houston-The Woodlands-Sugar Land, TX | 3,603 | $ 1,265,995,000 | $ 351,372 | $ 226,000 |
| Las Vegas-Henderson-Paradise, NV | 3,422 | $ 984,630,000 | $ 287,735 | $ 178,000 |
| Denver-Aurora-Lakewood, CO | 2,281 | $ 915,725,000 | $ 401,457 | $ 232,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,699 | $ 758,705,000 | $ 446,559 | $ 225,000 |
| Salt Lake City, UT | 1,579 | $ 651,085,000 | $ 412,340 | $ 235,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,063 | $ 806,295,000 | $ 758,508 | $ 329,000 |
| Provo-Orem, UT | 969 | $ 513,105,000 | $ 529,520 | $ 235,000 |
| Dallas-Plano-Irving, TX | 893 | $ 315,635,000 | $ 353,454 | $ 243,000 |
| San Diego-Carlsbad, CA | 821 | $ 455,415,000 | $ 554,707 | $ 302,000 |
| Ogden-Clearfield, UT | 735 | $ 335,765,000 | $ 456,823 | $ 207,000 |
| St. George, UT | 731 | $ 421,705,000 | $ 576,887 | $ 265,000 |
| Anaheim-Santa Ana-Irvine, CA | 637 | $ 410,915,000 | $ 645,078 | $ 336,000 |
| Boise City, ID | 612 | $ 244,960,000 | $ 400,261 | $ 214,000 |
| Tucson, AZ | 563 | $ 203,415,000 | $ 361,305 | $ 182,000 |
| Riverside-San Bernardino-Ontario, CA | 522 | $ 234,260,000 | $ 448,773 | $ 224,000 |
| San Antonio-New Braunfels, TX | 460 | $ 211,270,000 | $ 459,282 | $ 298,000 |
| Prescott Valley-Prescott, AZ | 393 | $ 129,295,000 | $ 328,994 | $ 148,000 |
| Reno, NV | 375 | $ 120,105,000 | $ 320,280 | $ 197,000 |
| Colorado Springs, CO | 348 | $ 123,070,000 | $ 353,649 | $ 202,000 |
| Austin-Round Rock, TX | 315 | $ 176,595,000 | $ 560,619 | $ 293,000 |
| Boulder, CO | 313 | $ 113,875,000 | $ 363,817 | $ 228,000 |
| Oakland-Hayward-Berkeley, CA | 300 | $ 160,350,000 | $ 534,500 | $ 327,000 |
| Lake Havasu City-Kingman, AZ | 293 | $ 62,295,000 | $ 212,610 | $ 115,000 |
| Flagstaff, AZ | 281 | $ 92,555,000 | $ 329,377 | $ 184,000 |
| Logan, UT-ID | 280 | $ 88,380,000 | $ 315,642 | $ 165,907 |
| San Jose-Sunnyvale-Santa Clara, CA | 271 | $ 278,955,000 | $ 1,029,354 | $ 359,000 |
| Yuma, AZ | 270 | $ 35,660,000 | $ 132,074 | $ 103,000 |
| Idaho Falls, ID | 202 | $ 62,320,000 | $ 308,514 | $ 175,000 |
| San Francisco-Redwood City-South San Francisco, CA | 176 | $ 139,450,000 | $ 792,329 | $ 360,000 |
| Fort Worth-Arlington, TX | 174 | $ 69,400,000 | $ 398,850 | $ 241,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 163 | $ 97,915,000 | $ 600,705 | $ 294,000 |
| Pueblo, CO | 149 | $ 26,565,000 | $ 178,288 | $ 103,000 |
| Grand Junction, CO | 130 | $ 33,500,000 | $ 257,692 | $ 169,000 |
| Fort Collins, CO | 109 | $ 37,745,000 | $ 346,284 | $ 220,000 |
| Fresno, CA | 101 | $ 78,945,000 | $ 781,633 | $ 296,000 |
| Seattle-Bellevue-Everett, WA | 88 | $ 86,710,000 | $ 985,340 | $ 461,000 |
| Greeley, CO | 85 | $ 26,665,000 | $ 313,705 | $ 192,000 |
| Twin Falls, ID | 71 | $ 18,715,000 | $ 263,591 | $ 128,000 |
| Sierra Vista-Douglas, AZ | 68 | $ 12,570,000 | $ 184,852 | $ 98,000 |
| Pocatello, ID | 67 | $ 21,155,000 | $ 315,746 | $ 212,000 |
| Farmington, NM | 61 | $ 7,165,000 | $ 117,459 | $ 113,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 57 | $ 26,275,000 | $ 460,964 | $ 286,000 |
| Lewiston, ID-WA | 52 | $ 14,470,000 | $ 278,269 | $ 145,923 |
| Carson City, NV | 38 | $ 7,250,000 | $ 190,789 | $ 143,000 |
| Bakersfield, CA | 37 | $ 3,995,000 | $ 107,972 | $ 83,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 36 | $ 20,040,000 | $ 556,666 | $ 295,333 |
| Stockton-Lodi, CA | 25 | $ 5,815,000 | $ 232,600 | $ 192,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 20 | $ 12,540,000 | $ 627,000 | $ 419,000 |
| College Station-Bryan, TX | 19 | $ 5,635,000 | $ 296,578 | $ 595,000 |
| San Rafael, CA | 19 | $ 24,735,000 | $ 1,301,842 | $ 450,000 |
| Coeur D'Alene, ID | 17 | $ 10,985,000 | $ 646,176 | $ 272,000 |
| Vallejo-Fairfield, CA | 15 | $ 3,545,000 | $ 236,333 | $ 157,000 |
| Salinas, CA | 14 | $ 6,790,000 | $ 485,000 | $ 167,000 |
| Santa Maria-Santa Barbara, CA | 14 | $ 7,280,000 | $ 520,000 | $ 239,000 |
| Corpus Christi, TX | 12 | $ 6,830,000 | $ 569,166 | $ 420,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 7,080,000 | $ 590,000 | $ 294,000 |
| Santa Rosa, CA | 12 | $ 9,260,000 | $ 771,666 | $ 434,000 |
| Santa Fe, NM | 11 | $ 7,745,000 | $ 704,090 | $ 411,000 |
| Spokane-Spokane Valley, WA | 10 | $ 4,730,000 | $ 473,000 | $ 336,000 |
| Tacoma-Lakewood, WA | 10 | $ 5,000,000 | $ 500,000 | $ 325,000 |
| Visalia-Porterville, CA | 10 | $ 3,920,000 | $ 392,000 | $ 162,000 |
| Albuquerque, NM | 9 | $ 5,405,000 | $ 600,555 | $ 201,000 |
| Madera, CA | 9 | $ 3,375,000 | $ 375,000 | $ 252,000 |
| Merced, CA | 9 | $ 1,965,000 | $ 218,333 | $ 122,000 |
| Modesto, CA | 9 | $ 1,975,000 | $ 219,444 | $ 109,000 |
| Napa, CA | 8 | $ 11,150,000 | $ 1,393,750 | $ 639,000 |
| Sherman-Denison, TX | 8 | $ 2,690,000 | $ 336,250 | $ 235,000 |
| Waco, TX | 8 | $ 2,720,000 | $ 340,000 | $ 148,000 |
| Bremerton-Silverdale, WA | 7 | $ 3,355,000 | $ 479,285 | $ 299,000 |
| El Centro, CA | 7 | $ 595,000 | $ 85,000 | $ 95,000 |
| El Paso, TX | 7 | $ 1,485,000 | $ 212,142 | $ 174,000 |
| Abilene, TX | 6 | $ 880,000 | $ 146,666 | $ 95,000 |
| Beaumont-Port Arthur, TX | 6 | $ 1,370,000 | $ 228,333 | $ 215,000 |
| Bellingham, WA | 6 | $ 3,800,000 | $ 633,333 | $ 763,000 |
| Killeen-Temple, TX | 6 | $ 1,190,000 | $ 198,333 | $ 138,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 930,000 | $ 155,000 | $ 189,000 |
| Eugene, OR | 5 | $ 1,275,000 | $ 255,000 | $ 233,000 |
| Brownsville-Harlingen, TX | 4 | $ 1,590,000 | $ 397,500 | $ 320,000 |
| Chico, CA | 4 | $ 1,390,000 | $ 347,500 | $ 92,000 |
| Laredo, TX | 4 | $ 750,000 | $ 187,500 | $ 90,000 |
| Longview, TX | 4 | $ 670,000 | $ 167,500 | $ 106,000 |
| Lubbock, TX | 4 | $ 540,000 | $ 135,000 | $ 205,000 |
| Medford, OR | 4 | $ 2,640,000 | $ 660,000 | $ 1,913,000 |
| Yuba City, CA | 4 | $ 2,820,000 | $ 705,000 | $ 626,000 |
| Bend-Redmond, OR | 3 | $ 2,435,000 | $ 811,666 | $ 158,000 |
| Hanford-Corcoran, CA | 3 | $ 565,000 | $ 188,333 | $ 100,000 |
| Midland, TX | 3 | $ 695,000 | $ 231,666 | $ 253,000 |
| Missoula, MT | 3 | $ 1,005,000 | $ 335,000 | $ 222,000 |
| Redding, CA | 3 | $ 365,000 | $ 121,666 | $ 107,000 |
| Tyler, TX | 3 | $ 555,000 | $ 185,000 | $ 110,000 |
| Amarillo, TX | 2 | $ 770,000 | $ 385,000 | $ 89,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 920,000 | $ 460,000 | $ 252,000 |
| Cheyenne, WY | 2 | $ 1,150,000 | $ 575,000 | $ 245,000 |
| Columbus, OH | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Corvallis, OR | 2 | $ 400,000 | $ 200,000 | $ 233,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 1,670,000 | $ 835,000 | $ 450,000 |
| Springfield, MO | 2 | $ 460,000 | $ 230,000 | $ 388,000 |
| Texarkana, TX-AR | 2 | $ 140,000 | $ 70,000 | $ 57,000 |
| Urban Honolulu, HI | 2 | $ 2,060,000 | $ 1,030,000 | $ 1,258,000 |
| Victoria, TX | 2 | $ 170,000 | $ 85,000 | $ 108,000 |
| Yakima, WA | 2 | $ 730,000 | $ 365,000 | $ 121,000 |
| Billings, MT | 1 | $ 405,000 | $ 405,000 | $ 855,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 1,805,000 | $ 1,805,000 | $ 776,000 |
| Evansville, IN-KY | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Fayetteville, NC | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 365,000 | $ 365,000 | $ 161,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Huntsville, AL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 555,000 | $ 555,000 | $ 125,000 |
| Jackson, TN | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Kennewick-Richland, WA | 1 | $ 305,000 | $ 305,000 | $ 75,000 |
| Las Cruces, NM | 1 | $ 715,000 | $ 715,000 | $ 370,000 |
| Longview, WA | 1 | $ 115,000 | $ 115,000 | $ 410,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 355,000 | $ 355,000 | $ 385,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 515,000 | $ 515,000 | $ 455,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Philadelphia, PA | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Raleigh, NC | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Salem, OR | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Tallahassee, FL | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Walla Walla, WA | 1 | $ 85,000 | $ 85,000 | $ 178,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 105,000 | $ 105,000 | $ 14,000 |
| Wichita Falls, TX | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Zions Bancorporation, N.A. in 2022
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 | 9,329 | $2,250,555,000 | $241,000 | $10,005,000 | $201,000 | $8,222,000 |
| Home Purchase | 7,161 | $6,133,545,000 | $856,000 | $48,005,000 | $322,000 | $9,036,000 |
| Home Improvement | 6,458 | $1,546,850,000 | $239,000 | $50,005,000 | $171,000 | $5,500,000 |
| Refinancing | 5,291 | $2,203,125,000 | $416,000 | $9,905,000 | $234,000 | $8,473,000 |
| Cash-out Refinancing | 2,250 | $1,120,210,000 | $497,000 | $20,605,000 | $250,000 | $7,443,000 |
| 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 | 21,751 | $8,947,565,000 | $411,000 | $50,005,000 | $232,000 | $9,036,000 |
| Not Provided | 2,472 | $1,553,090,000 | $628,000 | $14,315,000 | $307,000 | $9,036,000 |
| Hispanic | 2,051 | $636,065,000 | $310,000 | $4,775,000 | $156,000 | $4,044,000 |
| Asian | 1,191 | $815,655,000 | $684,000 | $8,525,000 | $305,000 | $6,392,000 |
| Black or African American | 850 | $213,680,000 | $251,000 | $7,475,000 | $149,000 | $2,966,000 |
| Not applicable | 241 | $520,825,000 | $2,161,000 | $48,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 177 | $59,045,000 | $333,000 | $3,005,000 | $156,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 59 | $20,825,000 | $352,000 | $1,855,000 | $165,000 | $568,000 |
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) | 30,382 | $13,214,960,000 | $434,000 | $50,005,000 | $232,000 | $9,036,000 |
| FHA-insured (Federal Housing Administration) | 53 | $16,785,000 | $316,000 | $565,000 | $85,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 47 | $20,925,000 | $445,000 | $1,405,000 | $116,000 | $294,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,615,000 | $230,000 | $365,000 | $61,000 | $90,000 |
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 | 16,665 | $7,779,025,000 | $466,000 | $48,005,000 | $261,000 | $9,036,000 |
| Application Denied By Financial Institution | 8,937 | $2,753,495,000 | $308,000 | $50,005,000 | $151,000 | $5,500,000 |
| Application Approved But Not Accepted | 4,426 | $2,424,000,000 | $547,000 | $15,005,000 | $286,000 | $7,443,000 |
| Application Withdrawn By Applicant | 169 | $213,735,000 | $1,264,000 | $42,005,000 | $312,000 | $3,276,000 |
| File Closed For Incompleteness | 151 | $34,565,000 | $228,000 | $1,605,000 | $182,000 | $1,185,000 |
| Loan Purchased By The Institution | 141 | $49,465,000 | $350,000 | $975,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 21,552 | $10,500,790,000 | $487,000 | $48,005,000 | $266,000 | $9,036,000 |
| Debt-To-Income Ratio | 5,219 | $1,774,555,000 | $340,000 | $50,005,000 | $104,000 | $1,300,000 |
| Collateral | 1,591 | $515,835,000 | $324,000 | $6,505,000 | $267,000 | $4,414,000 |
| Credit History | 1,570 | $237,850,000 | $151,000 | $10,005,000 | $152,000 | $5,500,000 |
| Other | 384 | $110,600,000 | $288,000 | $3,755,000 | $242,000 | $2,500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 92 | $52,660,000 | $572,000 | $2,775,000 | $292,000 | $5,130,000 |
| Unverifiable Information | 59 | $38,555,000 | $653,000 | $3,305,000 | $292,000 | $1,883,000 |
| Employment History | 13 | $3,675,000 | $282,000 | $925,000 | $106,000 | $201,000 |
| Credit Application Incomplete | 9 | $19,765,000 | $2,196,000 | $16,565,000 | $112,000 | $246,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'s 2022 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.
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