Zions Bank Mortgage Rates, Fees & Info
Salt Lake City, UTLEI: 8WH0EE09O9V05QJZ3V89
Tax ID: 87-0189025
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Zions Bank is a mid-sized bank specializing in Home Purchase and Refi loans. Zions Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Houston, Las Vegas, San Diego, and Denver among others. We have data for 153 markets. (Some data included below & more in-depth data is available with an active subscription.)Zions Bank has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Zions Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.65% | 4/5/25 |
| 30 Year Conventional Refi | 6.48% | 4/5/25 |
| 30 Year Cash-out Refi | 7.02% | 4/5/25 |
| 30 Year FHA Purchase | 6.86% | 4/5/25 |
| 30 Year FHA Refi | 6.77% | 4/5/25 |
| 30 Year VA Purchase | 6.37% | 4/5/25 |
| 30 Year VA Refi | 6.59% | 4/5/25 |
| 15 Year Conventional Purchase | 6.15% | 4/5/25 |
| 15 Year Conventional Refi | 6.29% | 4/5/25 |
| 15 Year Cash-out Refi | 6.29% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Zions Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Zions Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
9,493Origination Dollar Volume (All Markets)
$4,166,215,000Awards
Zions Bank - 2024
Zions Bank is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
Work for Zions Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Relative Rate
Zions Bank's average 30 year fixed mortgage rate was
7.81%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 1.26%.
Relative Fees (Closing Costs)
Zions Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,467.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 625 | $449,165,000 | $718,664 | $13,283 | 7.91% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1,064 | $338,030,000 | $317,697 | $8,832 | 7.27% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 963 | $297,355,000 | $308,780 | $7,093 | 7.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 335 | $259,905,000 | $775,836 | $8,736 | 7.71% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 623 | $243,395,000 | $390,682 | $7,397 | 8.44% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 547 | $224,235,000 | $409,936 | $5,905 | 8.01% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 451 | $200,495,000 | $444,557 | $12,423 | 8.50% |
| Heber, UT (FHA|USDA|VA) | 170 | $184,260,000 | $1,083,882 | $19,356 | 8.01% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 175 | $120,015,000 | $685,800 | $6,043 | 6.95% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 414 | $109,440,000 | $264,348 | $9,371 | 7.66% |
| ST. GEORGE, UT (FHA|USDA|VA) | 202 | $107,900,000 | $534,158 | $13,134 | 8.15% |
| PROVO-OREM, UT (FHA|USDA|VA) | 248 | $98,880,000 | $398,710 | $9,119 | 8.27% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 221 | $98,055,000 | $443,688 | $11,179 | 8.18% |
| Outside of Metro Areas | 325 | $94,135,000 | $289,646 | $8,818 | 8.20% |
| BOISE CITY, ID (FHA|USDA|VA) | 220 | $82,810,000 | $376,409 | $9,044 | 7.28% |
| Jackson, WY-ID (FHA|USDA|VA) | 92 | $77,480,000 | $842,174 | $10,956 | 6.97% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 61 | $76,315,000 | $1,251,066 | $6,291 | 6.55% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 164 | $70,160,000 | $427,805 | $5,348 | 7.52% |
| TUCSON, AZ (FHA|USDA|VA) | 183 | $67,455,000 | $368,607 | $15,543 | 8.47% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 63 | $58,495,000 | $928,492 | $8,397 | 7.29% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 75 | $54,405,000 | $725,400 | $14,479 | 7.14% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 137 | $49,805,000 | $363,540 | $11,428 | 7.07% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 166 | $45,920,000 | $276,627 | $11,493 | 8.84% |
| STOCKTON, CA (FHA|USDA|VA) | 66 | $44,630,000 | $676,212 | $3,155 | 6.48% |
| RENO, NV (FHA|USDA|VA) | 124 | $41,260,000 | $332,742 | $5,044 | 6.91% |
| BOULDER, CO (FHA|USDA|VA) | 101 | $35,675,000 | $353,218 | $10,297 | 8.53% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 64 | $35,520,000 | $555,000 | $7,856 | 7.51% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 62 | $34,720,000 | $560,000 | $4,013 | 6.96% |
| Price, UT (FHA|USDA|VA) | 10 | $25,230,000 | $2,523,000 | $2,473 | 7.85% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 71 | $25,215,000 | $355,141 | $13,034 | 8.56% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 94 | $22,340,000 | $237,660 | $11,051 | 8.54% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 81 | $22,255,000 | $274,753 | $20,658 | 8.29% |
| Show Low, AZ (FHA|USDA|VA) | 94 | $21,380,000 | $227,447 | $11,345 | 8.58% |
| FRESNO, CA (FHA|USDA|VA) | 24 | $18,200,000 | $758,333 | $26,842 | 8.03% |
| Hailey, ID (FHA|USDA|VA) | 24 | $18,030,000 | $751,250 | $10,493 | 8.21% |
| YUMA, AZ (FHA|USDA|VA) | 132 | $17,440,000 | $132,121 | $6,972 | 9.06% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 61 | $16,335,000 | $267,787 | $2,620 | 7.74% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $14,405,000 | $14,405,000 | $0 | 7.36% |
| POCATELLO, ID (FHA|USDA|VA) | 38 | $14,310,000 | $376,579 | $9,933 | 7.46% |
| Dickinson, ND (FHA|USDA|VA) | 1 | $14,205,000 | $14,205,000 | $0 | 7.80% |
| LOGAN, UT-ID (FHA|USDA|VA) | 68 | $13,970,000 | $205,441 | $6,202 | 8.59% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 8 | $13,440,000 | $1,680,000 | $39,077 | 8.03% |
| Moscow, ID (FHA|USDA|VA) | 34 | $11,350,000 | $333,824 | $7,329 | 7.44% |
| EL CENTRO, CA (FHA|USDA|VA) | 3 | $10,835,000 | $3,611,667 | $0 | 7.18% |
| PUEBLO, CO (FHA|USDA|VA) | 55 | $10,685,000 | $194,273 | $4,164 | 7.79% |
| Glenwood Springs, CO (FHA|USDA|VA) | 13 | $10,245,000 | $788,077 | $3,967 | 8.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 36 | $9,640,000 | $267,778 | $4,759 | 8.74% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $9,495,000 | $1,899,000 | $10,858 | 7.05% |
| Rexburg, ID (FHA|USDA|VA) | 29 | $9,435,000 | $325,345 | $9,065 | 7.41% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $9,290,000 | $4,645,000 | $0 | 6.68% |
| Durango, CO (FHA|USDA|VA) | 25 | $9,095,000 | $363,800 | $6,835 | 8.33% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $8,600,000 | $4,300,000 | $4,560 | 6.49% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 18 | $8,290,000 | $460,556 | $9,129 | 7.41% |
| Breckenridge, CO (FHA|USDA|VA) | 14 | $8,130,000 | $580,714 | $24,122 | 8.38% |
| Vernal, UT (FHA|USDA|VA) | 35 | $8,105,000 | $231,571 | $4,553 | 8.65% |
| VALLEJO, CA (FHA|USDA|VA) | 15 | $7,745,000 | $516,333 | $6,583 | 6.40% |
| Payson, AZ (FHA|USDA|VA) | 24 | $7,390,000 | $307,917 | $7,233 | 8.58% |
| GREELEY, CO (FHA|USDA|VA) | 29 | $7,355,000 | $253,621 | $6,221 | 8.47% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 16 | $7,090,000 | $443,125 | $8,551 | 7.76% |
| Steamboat Springs, CO (FHA|USDA|VA) | 17 | $6,655,000 | $391,471 | $5,535 | 8.29% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 11 | $6,485,000 | $589,545 | $4,183 | 6.94% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $6,455,000 | $6,455,000 | $0 | 7.42% |
| NAPA, CA (FHA|USDA|VA) | 4 | $5,400,000 | $1,350,000 | $21,597 | 7.83% |
| Safford, AZ (FHA|USDA|VA) | 13 | $5,355,000 | $411,923 | $6,721 | 8.26% |
| Ontario, OR-ID (FHA|USDA|VA) | 26 | $5,350,000 | $205,769 | $4,896 | 7.89% |
| Pahrump, NV (FHA|USDA|VA) | 29 | $5,075,000 | $175,000 | $7,840 | 7.04% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 7 | $5,055,000 | $722,143 | $9,887 | 7.31% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $4,855,000 | $4,855,000 | $0 | 7.50% |
| FARMINGTON, NM (FHA|USDA|VA) | 31 | $4,525,000 | $145,968 | $4,423 | 8.93% |
| Blackfoot, ID (FHA|USDA|VA) | 20 | $4,390,000 | $219,500 | $7,707 | 7.66% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $4,140,000 | $2,070,000 | $10,712 | 5.94% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $3,980,000 | $663,333 | $12,287 | 6.46% |
| Cedar City, UT (FHA|USDA|VA) | 16 | $3,970,000 | $248,125 | $11,018 | 8.72% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 26 | $3,480,000 | $133,846 | $3,859 | 8.74% |
| Elko, NV (FHA|USDA|VA) | 25 | $3,365,000 | $134,600 | $3,845 | 7.23% |
| Fernley, NV (FHA|USDA|VA) | 23 | $3,255,000 | $141,522 | $5,528 | 7.45% |
| Edwards, CO (FHA|USDA|VA) | 5 | $3,185,000 | $637,000 | $4,608 | 7.39% |
| Huntsville, TX (FHA|USDA|VA) | 6 | $2,910,000 | $485,000 | $14,684 | 7.29% |
| Pullman, WA (FHA|USDA|VA) | 8 | $2,810,000 | $351,250 | $3,757 | 6.76% |
| CARSON CITY, NV (FHA|USDA|VA) | 17 | $2,765,000 | $162,647 | $2,728 | 7.02% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $2,620,000 | $655,000 | $5,217 | 6.34% |
| Prineville, OR (FHA|USDA|VA) | 1 | $2,485,000 | $2,485,000 | $45,892 | 6.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 15 | $2,445,000 | $163,000 | $7,387 | 8.35% |
| Nogales, AZ (FHA|USDA|VA) | 6 | $2,400,000 | $400,000 | $15,826 | 8.65% |
| CHICO, CA (FHA|USDA|VA) | 2 | $2,180,000 | $1,090,000 | $8,445 | 6.88% |
| BEND, OR (FHA|USDA|VA) | 1 | $2,075,000 | $2,075,000 | $34,150 | 6.63% |
| Outside of Metro Areas | 4 | $2,010,000 | $502,500 | $7,300 | 7.38% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 6.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 9 | $1,895,000 | $210,556 | $3,839 | 8.14% |
| Fallon, NV (FHA|USDA|VA) | 8 | $1,870,000 | $233,750 | $12,963 | 6.88% |
| REDDING, CA (FHA|USDA|VA) | 2 | $1,760,000 | $880,000 | $15,539 | 6.75% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $1,700,000 | $850,000 | $20,481 | 7.38% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 9 | $1,615,000 | $179,444 | $5,846 | 7.95% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $4,868 | 6.88% |
| Montrose, CO (FHA|USDA|VA) | 10 | $1,380,000 | $138,000 | $4,125 | 9.17% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $11,196 | 6.85% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $5,863 | 6.79% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $2,928 | 6.56% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $0 | 6.99% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $5,274 | 7.58% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $13,587 | 6.94% |
| Granbury, TX (FHA|USDA|VA) | 2 | $1,200,000 | $600,000 | $15,122 | 7.06% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $8,977 | 7.08% |
| Mountain Home, ID (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $4,994 | 8.10% |
| Athens, TX (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $0 | 7.71% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $8,582 | 7.77% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $3,656 | 7.69% |
| Brenham, TX (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $5,425 | 6.96% |
| Palestine, TX (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,698 | 5.88% |
| Burley, ID (FHA|USDA|VA) | 7 | $835,000 | $119,286 | $3,879 | 6.23% |
| LAREDO, TX (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 6.99% |
| Winnemucca, NV (FHA|USDA|VA) | 8 | $810,000 | $101,250 | $4,142 | 6.93% |
| El Campo, TX (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $5,462 | 6.75% |
| Riverton, WY (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $4,750 | 6.13% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $8,101 | 5.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $6,096 | 6.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,965 | 6.56% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $4,245 | 7.15% |
| MERCED, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,223 | 6.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,004 | 6.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,884 | 6.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $10,696 | 6.63% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $9,993 | 6.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,614 | 5.38% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,675 | 6.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,775 | 6.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,364 | 7.13% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 6.74% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 6.99% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,729 | 6.75% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 8.60% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,393 | 6.50% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,757 | 7.38% |
| AMES, IA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,165 | 6.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,361 | 7.13% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,726 | 6.63% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,986 | 6.63% |
| WACO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 8.00% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,927 | 8.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 8.62% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 11.48% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.99% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,141 | 7.13% |
| Andrews, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.99% |
| Bonham, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.60% |
| Bay City, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,748 | 7.50% |
| MADERA, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,070 | 7.88% |
| TYLER, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.85% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.99% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.99% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.35% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.00% |
| CASPER, WY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.90% |
Similar Lenders
We use machine learning to identify the top lenders compared against Zions Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 42
Similarity Rank: 64
Similarity Rank: 81
Similarity Rank: 85
Similarity Rank: 120
Similarity Rank: 161
Similarity Rank: 176
Similarity Rank: 180
Similarity Rank: 184
Similarity Rank: 186
Product Mix
For 2024, Zions Bank's most frequently originated type of loan was HELOC, with 6,363 originations. Their 2nd most popular type was Conventional, with 3,071 originations.
Loan Reason
For 2024, Zions Bank's most frequently cited loan purpose was Other, with 2,995 originations. The 2nd most popular reason was Home Purchase, with 2,519 originations.
Loan Duration/Length
For 2024, Zions Bank's most frequently cited loan duration was 30 Year, with 9,184 originations. The 2nd most popular length was 15 Year, with 162 originations.
Origination Fees/Closing Costs
Zions Bank's average total fees were $9,467, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 888 originations.
Interest Rates
During 2024, Zions Bank's average interest rate for loans was 7.81%, while their most frequently originated rate bucket for loans was Over 8%, with 4,284 originations.
Loan Sizing
2024 saw Zions Bank place emphasis on $200k-400k loans with 2,571 originations, totaling $742,365,000 in origination value.
Applicant Income
Zions Bank lent most frequently to those with incomes in the $250k+ range, with 2,540 originations. The second most popular income band? $150k-250k, with 2,196 originations.
Applicant Debt to Income Ratio
Zions Bank lent most frequently to those with DTI ratios of 20-30%, with 1,341 originations. The next most common DTI ratio? 30-36%, with 1,292 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications67.99%
Zions Bank has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination68.23%
Zions Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 9,493 | $4,166,215,000 | $438,872 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 9,493 | $4,166,215,000 | $438,872 |