Zions Bancorporation N.a. Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 8WH0EE09O9V05QJZ3V89

Tax ID: 87-0189025

5 stars - out of 5 stars, based on 129 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Zions Bancorporation N.a. is a large mortgage company specializing in Home Purchase loans. Zions Bancorporation N.a. 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Los Angeles, Las Vegas, Denver, and Heber among others. We have data for 178 markets. (Some data included below & more in-depth data is available with an active subscription.)

Zions Bancorporation N.a. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Zions Bancorporation N.a. 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 about average 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) 6.27% 5/28/23
30 Year Conventional Purchase 6.38% 5/28/23
30 Year Conventional Refi 6.34% 5/28/23
30 Year Cash-out Refi 6.52% 5/28/23
30 Year FHA Purchase 7.08% 5/28/23
30 Year VA Purchase 6.12% 5/28/23
30 Year USDA Purchase 6.66% 5/28/23
30 Year USDA Refi 6.94% 5/28/23
15 Year Conventional Purchase 5.79% 5/28/23
15 Year Conventional Refi 5.89% 5/28/23
15 Year Cash-out Refi 5.89% 5/28/23
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 Bancorporation N.a. Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Zions Bancorporation N.a.. 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

16,665

Origination Dollar Volume (All Markets)

$7,779,025,000
Show all (77) awards

Relative Rate

Zions Bancorporation N.a.'s average 30 year fixed mortgage rate was 3.94%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.82%.

Relative Fees (Closing Costs)

Zions Bancorporation N.a.'s average total fees/closing costs for a 30 year fixed rate mortgage were $5,315.

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 $4,750.

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
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,801 $738,525,000 $410,064 $7,920 4.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 907 $715,575,000 $788,947 $6,969 3.63%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1,703 $540,905,000 $317,619 $5,172 3.24%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1,393 $532,095,000 $381,978 $6,834 4.23%
Heber, UT (FHA|USDA|VA) 394 $444,950,000 $1,129,315 $9,057 3.56%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 943 $430,845,000 $456,888 $8,058 4.99%
SALT LAKE CITY, UT (FHA|USDA|VA) 918 $419,040,000 $456,471 $5,521 3.56%
PROVO-OREM, UT (FHA|USDA|VA) 580 $335,530,000 $578,500 $7,086 3.60%
ST. GEORGE, UT (FHA|USDA|VA) 495 $300,625,000 $607,323 $6,640 3.77%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 458 $280,370,000 $612,162 $6,544 3.70%
Outside of Metro Areas 693 $262,195,000 $378,348 $6,464 3.85%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 444 $218,700,000 $492,568 $6,719 3.52%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 545 $210,215,000 $385,716 $10,190 4.15%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 259 $175,075,000 $675,965 $6,666 3.47%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 128 $152,390,000 $1,190,547 $5,565 3.16%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 258 $151,410,000 $586,860 $6,336 3.84%
BOISE CITY, ID (FHA|USDA|VA) 354 $134,880,000 $381,017 $6,867 3.81%
TUCSON, AZ (FHA|USDA|VA) 332 $117,480,000 $353,855 $7,798 4.87%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 168 $102,400,000 $609,524 $11,380 3.85%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 223 $99,075,000 $444,283 $9,096 4.11%
BOULDER, CO (FHA|USDA|VA) 206 $74,910,000 $363,641 $7,244 3.81%
COLORADO SPRINGS, CO (FHA|USDA|VA) 193 $72,905,000 $377,746 $7,164 4.28%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 208 $72,900,000 $350,481 $6,822 4.66%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 71 $68,475,000 $964,437 $5,715 4.67%
RENO, NV (FHA|USDA|VA) 189 $65,005,000 $343,942 $4,711 3.31%
FRESNO, CA (FHA|USDA|VA) 53 $62,895,000 $1,186,698 $7,281 4.04%
LOGAN, UT-ID (FHA|USDA|VA) 183 $58,215,000 $318,115 $5,998 3.44%
Jackson, WY-ID (FHA|USDA|VA) 74 $56,040,000 $757,297 $7,030 4.04%
Steamboat Springs, CO (FHA|USDA|VA) 63 $54,485,000 $864,841 $9,791 3.73%
FLAGSTAFF, AZ (FHA|USDA|VA) 168 $51,040,000 $303,810 $7,765 5.13%
Hailey, ID (FHA|USDA|VA) 77 $48,285,000 $627,078 $7,797 3.60%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 74 $39,240,000 $530,270 $7,046 4.35%
IDAHO FALLS, ID (FHA|USDA|VA) 118 $38,530,000 $326,525 $7,591 3.52%
Glenwood Springs, CO (FHA|USDA|VA) 43 $37,585,000 $874,070 $9,644 3.62%
Show Low, AZ (FHA|USDA|VA) 120 $33,310,000 $277,583 $6,580 4.78%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 124 $30,310,000 $244,435 $5,668 4.84%
Moscow, ID (FHA|USDA|VA) 70 $23,350,000 $333,571 $5,471 3.97%
Durango, CO (FHA|USDA|VA) 63 $22,395,000 $355,476 $7,340 3.68%
Rexburg, ID (FHA|USDA|VA) 35 $20,375,000 $582,143 $10,283 3.64%
Breckenridge, CO (FHA|USDA|VA) 38 $19,610,000 $516,053 $3,602 4.75%
Edwards, CO (FHA|USDA|VA) 28 $19,590,000 $699,643 $8,583 3.82%
Cedar City, UT (FHA|USDA|VA) 61 $19,195,000 $314,672 $3,722 3.60%
Payson, AZ (FHA|USDA|VA) 55 $19,195,000 $349,000 $7,674 4.50%
FORT COLLINS, CO (FHA|USDA|VA) 66 $18,900,000 $286,364 $5,226 4.16%
Gardnerville Ranchos, NV (FHA|USDA|VA) 34 $18,340,000 $539,412 $7,270 2.71%
GRAND JUNCTION, CO (FHA|USDA|VA) 69 $18,085,000 $262,101 $6,338 4.31%
YUMA, AZ (FHA|USDA|VA) 115 $15,355,000 $133,522 $5,163 5.75%
GREELEY, CO (FHA|USDA|VA) 50 $15,270,000 $305,400 $9,152 4.23%
POCATELLO, ID (FHA|USDA|VA) 40 $13,680,000 $342,000 $8,498 3.61%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 30 $13,210,000 $440,333 $4,333 3.50%
PUEBLO, CO (FHA|USDA|VA) 70 $12,410,000 $177,286 $3,286 4.12%
Vernal, UT (FHA|USDA|VA) 63 $11,985,000 $190,238 $4,497 3.63%
Pahrump, NV (FHA|USDA|VA) 77 $11,265,000 $146,299 $5,014 3.55%
Blackfoot, ID (FHA|USDA|VA) 38 $10,490,000 $276,053 $7,266 3.30%
Outside of Metro Areas 14 $9,600,000 $685,714 $7,401 4.12%
Pullman, WA (FHA|USDA|VA) 20 $8,660,000 $433,000 $5,863 4.07%
Elko, NV (FHA|USDA|VA) 45 $8,045,000 $178,778 $3,785 3.42%
TWIN FALLS, ID (FHA|USDA|VA) 34 $7,680,000 $225,882 $8,163 3.85%
Fernley, NV (FHA|USDA|VA) 35 $7,395,000 $211,286 $3,513 3.56%
LEWISTON, ID-WA (FHA|USDA|VA) 30 $7,180,000 $239,333 $6,142 3.69%
NAPA, CA (FHA|USDA|VA) 3 $6,965,000 $2,321,667 $7,078 3.71%
Montrose, CO (FHA|USDA|VA) 19 $6,885,000 $362,368 $11,074 3.71%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 13 $6,735,000 $518,077 $6,002 3.17%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 15 $6,615,000 $441,000 $4,191 4.33%
SANTA FE, NM (FHA|USDA|VA) 8 $6,110,000 $763,750 $6,768 3.44%
Fredericksburg, TX (FHA|USDA|VA) 6 $5,740,000 $956,667 $13,305 3.73%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 33 $5,635,000 $170,758 $5,984 4.66%
Ontario, OR-ID (FHA|USDA|VA) 28 $5,470,000 $195,357 $7,383 3.39%
Burley, ID (FHA|USDA|VA) 21 $5,235,000 $249,286 $6,760 3.98%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 6 $5,220,000 $870,000 $8,102 3.24%
Hilo, HI (FHA|USDA|VA) 1 $4,795,000 $4,795,000 $10,147 2.63%
Athens, TX (FHA|USDA|VA) 3 $4,595,000 $1,531,667 $20,969 3.50%
Safford, AZ (FHA|USDA|VA) 15 $4,545,000 $303,000 $4,945 5.50%
Huntsville, TX (FHA|USDA|VA) 10 $4,500,000 $450,000 $8,823 4.32%
Nogales, AZ (FHA|USDA|VA) 14 $4,390,000 $313,571 $7,292 4.14%
CARSON CITY, NV (FHA|USDA|VA) 21 $4,035,000 $192,143 $5,228 3.37%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $3,820,000 $955,000 $5,952 2.93%
FARMINGTON, NM (FHA|USDA|VA) 28 $3,630,000 $129,643 $4,793 4.81%
VISALIA, CA (FHA|USDA|VA) 5 $3,475,000 $695,000 $10,921 4.64%
BELLINGHAM, WA (FHA|USDA|VA) 5 $3,425,000 $685,000 $7,712 3.32%
CORPUS CHRISTI, TX (FHA|USDA|VA) 6 $3,360,000 $560,000 $8,959 4.42%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 6 $3,300,000 $550,000 $4,026 4.34%
Fallon, NV (FHA|USDA|VA) 14 $3,100,000 $221,429 $4,763 3.58%
Brenham, TX (FHA|USDA|VA) 6 $3,060,000 $510,000 $8,391 4.12%
Truckee-Grass Valley, CA (FHA|USDA|VA) 7 $3,025,000 $432,143 $0 3.73%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $2,700,000 $675,000 $5,340 4.66%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 9 $2,695,000 $299,444 $4,661 4.10%
YUBA CITY, CA (FHA|USDA|VA) 3 $2,685,000 $895,000 $12,276 3.83%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $2,575,000 $515,000 $4,647 4.15%
Kapaa, HI (FHA|USDA|VA) 2 $2,570,000 $1,285,000 $9,934 4.63%
STOCKTON, CA (FHA|USDA|VA) 7 $2,555,000 $365,000 $6,964 4.35%
Price, UT (FHA|USDA|VA) 11 $2,195,000 $199,545 $8,003 3.92%
SALINAS, CA (FHA|USDA|VA) 5 $2,115,000 $423,000 $0 4.10%
Winnemucca, NV (FHA|USDA|VA) 15 $2,105,000 $140,333 $2,602 3.98%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $2,060,000 $1,030,000 $6,737 3.00%
Kalispell, MT (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $6,587 4.63%
Bay City, TX (FHA|USDA|VA) 4 $1,810,000 $452,500 $8,509 3.47%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $12,223 2.88%
Bozeman, MT (FHA|USDA|VA) 2 $1,800,000 $900,000 $3,834 3.31%
SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $1,765,000 $353,000 $14,604 3.57%
BAKERSFIELD, CA (FHA|USDA|VA) 14 $1,730,000 $123,571 $0 3.94%
WACO, TX (FHA|USDA|VA) 4 $1,680,000 $420,000 $9,575 3.28%
Laramie, WY (FHA|USDA|VA) 2 $1,590,000 $795,000 $2,181 4.64%
Clearlake, CA (FHA|USDA|VA) 2 $1,560,000 $780,000 $7,299 1.95%
Ellensburg, WA (FHA|USDA|VA) 1 $1,525,000 $1,525,000 $11,468 3.25%
Sonora, CA (FHA|USDA|VA) 2 $1,490,000 $745,000 $9,029 3.19%
Cañon City, CO (FHA|USDA|VA) 6 $1,480,000 $246,667 $6,518 5.33%
Sandpoint, ID (FHA|USDA|VA) 4 $1,470,000 $367,500 $6,832 3.96%
Gainesville, TX (FHA|USDA|VA) 2 $1,430,000 $715,000 $28,195 2.58%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,385,000 $277,000 $3,640 4.93%
Rockport, TX (FHA|USDA|VA) 2 $1,330,000 $665,000 $7,899 4.81%
Kerrville, TX (FHA|USDA|VA) 2 $1,310,000 $655,000 $6,196 3.00%
Prineville, OR (FHA|USDA|VA) 1 $1,235,000 $1,235,000 $11,053 3.25%
MERCED, CA (FHA|USDA|VA) 4 $1,160,000 $290,000 $3,018 3.65%
CHEYENNE, WY (FHA|USDA|VA) 2 $1,150,000 $575,000 $4,342 3.55%
Port Lavaca, TX (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $15,643 3.50%
Newport, OR (FHA|USDA|VA) 2 $990,000 $495,000 $9,878 3.31%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $920,000 $460,000 $7,407 5.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $915,000 $305,000 $6,454 4.50%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $915,000 $915,000 $0 5.66%
Port Angeles, WA (FHA|USDA|VA) 1 $905,000 $905,000 $5,245 4.25%
ABILENE, TX (FHA|USDA|VA) 5 $875,000 $175,000 $8,275 3.87%
VALLEJO, CA (FHA|USDA|VA) 6 $860,000 $143,333 $0 3.41%
Corsicana, TX (FHA|USDA|VA) 2 $850,000 $425,000 $6,925 2.87%
AMARILLO, TX (FHA|USDA|VA) 2 $770,000 $385,000 $4,305 5.94%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $765,000 $255,000 $5,553 3.75%
Granbury, TX (FHA|USDA|VA) 3 $755,000 $251,667 $3,832 5.38%
MADERA, CA (FHA|USDA|VA) 3 $735,000 $245,000 $3,939 3.87%
Mineral Wells, TX (FHA|USDA|VA) 2 $690,000 $345,000 $8,514 3.94%
MIDLAND, TX (FHA|USDA|VA) 2 $690,000 $345,000 $5,362 4.38%
El Campo, TX (FHA|USDA|VA) 5 $665,000 $133,000 $4,235 3.89%
LAREDO, TX (FHA|USDA|VA) 3 $655,000 $218,333 $0 3.58%
Mountain Home, ID (FHA|USDA|VA) 1 $645,000 $645,000 $3,491 3.75%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $625,000 $625,000 $1,660 3.63%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $620,000 $310,000 $9,521 1.89%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $615,000 $615,000 $6,552 3.25%
MISSOULA, MT (FHA|USDA|VA) 2 $610,000 $305,000 $2,871 3.69%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $555,000 $555,000 $1,650 5.50%
BEND, OR (FHA|USDA|VA) 2 $530,000 $265,000 $250 3.69%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $515,000 $515,000 $4,549 2.25%
Crescent City, CA (FHA|USDA|VA) 1 $505,000 $505,000 $7,028 4.38%
YAKIMA, WA (FHA|USDA|VA) 1 $505,000 $505,000 $0 7.50%
Riverton, WY (FHA|USDA|VA) 1 $465,000 $465,000 $5,118 3.38%
Los Alamos, NM (FHA|USDA|VA) 1 $465,000 $465,000 $4,757 5.63%
Las Vegas, NM (FHA|USDA|VA) 1 $465,000 $465,000 $2,908 5.63%
Brownwood, TX (FHA|USDA|VA) 1 $435,000 $435,000 $13,884 2.88%
Evanston, WY (FHA|USDA|VA) 1 $425,000 $425,000 $6,392 6.00%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $415,000 $415,000 $4,240 4.38%
BILLINGS, MT (FHA|USDA|VA) 1 $405,000 $405,000 $0 6.74%
Bonham, TX (FHA|USDA|VA) 1 $405,000 $405,000 $0 2.99%
EL PASO, TX (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.49%
LONGVIEW, TX (FHA|USDA|VA) 2 $380,000 $190,000 $5,046 4.19%
Astoria, OR (FHA|USDA|VA) 2 $370,000 $185,000 $8,247 2.20%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $355,000 $355,000 $2,700 2.38%
Aberdeen, WA (FHA|USDA|VA) 1 $355,000 $355,000 $8,199 3.75%
SALEM, OR (FHA|USDA|VA) 1 $325,000 $325,000 $1,008 3.88%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $315,000 $315,000 $4,250 4.25%
COLUMBUS, OH (FHA|USDA|VA) 2 $280,000 $140,000 $1,568 3.81%
Roseburg, OR (FHA|USDA|VA) 1 $275,000 $275,000 $2,393 7.13%
MEDFORD, OR (FHA|USDA|VA) 1 $245,000 $245,000 $4,931 5.13%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,669 4.13%
Raymondville, TX (FHA|USDA|VA) 1 $225,000 $225,000 $8,093 4.25%
LUBBOCK, TX (FHA|USDA|VA) 2 $220,000 $110,000 $4,521 3.62%
Taos, NM (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.24%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,201 5.50%
REDDING, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.74%
CORVALLIS, OR (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.00%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $135,000 $135,000 $4,445 5.75%
VICTORIA, TX (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,264 6.00%
Sterling, CO (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.00%
Mount Pleasant, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.13%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
Stephenville, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.25%
EL CENTRO, CA (FHA|USDA|VA) 1 $45,000 $45,000 $0 9.43%
Craig, CO (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.30%
Big Spring, TX (FHA|USDA|VA) 1 $35,000 $35,000 $0 2.99%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.00%
Zions Bancorporation N.a.'s top markets include Houston, Los Angeles, Las Vegas, Denver, and Heber among others.

Their top states include:
  • Utah (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 10,999 $2,930,625,000 $266,445 n/a 3.89%
    Conventional 5,608 $4,824,930,000 $860,366 $6,968 3.95%
    VA 32 $15,230,000 $475,938 $10,887 4.15%
    FHA 22 $7,120,000 $323,636 $10,786 4.84%
    USDA 4 $1,120,000 $280,000 $6,231 3.56%

    For 2022, Zions Bancorporation N.a.'s most frequently originated type of loan was HELOC, with 10,999 originations. Their 2nd most popular type was Conventional, with 5,608 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 5,113 $1,318,355,000 $257,844 $0 4.01%
    Home Purchase 3,798 $3,535,050,000 $930,766 $8,397 4.06%
    Refi 3,285 $1,463,625,000 $445,548 $4,110 3.67%
    Home Improvement 3,257 $804,585,000 $247,033 $12,631 3.80%
    Cash Out Refi 1,212 $657,410,000 $542,417 $4,209 4.01%

    For 2022, Zions Bancorporation N.a.'s most frequently cited loan purpose was Other, with 5,113 originations. The 2nd most popular reason was Home Purchase, with 3,798 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 14,554 $5,197,310,000 $357,105 $5,315 3.94%
    30+ year 1,504 $2,118,300,000 $1,408,444 $12,441 3.68%
    15 Year 342 $86,450,000 $252,778 $3,195 3.56%
    10 Year 147 $83,875,000 $570,578 $1,209 4.28%
    20 Year 83 $20,105,000 $242,229 $3,376 4.00%
    5 Year 18 $81,940,000 $4,552,222 $554 4.70%
    Other 15 $132,585,000 $8,839,000 $1,703 4.54%
    3 Year 2 $58,460,000 $29,230,000 $0 4.10%

    For 2022, Zions Bancorporation N.a.'s most frequently cited loan duration was 30 Year, with 14,554 originations. The 2nd most popular length was 30+ year, with 1,504 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,214 $3,227,240,000 $1,004,119
    $<1k 986 $503,620,000 $510,771
    $5k+ 328 $333,700,000 $1,017,378
    $2k-3k 214 $82,730,000 $386,589
    $3k-4k 159 $75,305,000 $473,616
    $4k-5k 121 $66,805,000 $552,107

    Zions Bancorporation N.a.'s average total fees were $5,315, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,214 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 4,361 $2,278,335,000 $522,434
    <2.5% 3,912 $1,306,790,000 $334,047
    4-5% 2,626 $1,577,050,000 $600,552
    2.5-3% 1,980 $1,458,120,000 $736,424
    5-6% 1,869 $690,605,000 $369,505
    6-7% 1,030 $274,610,000 $266,612
    7-8% 629 $150,245,000 $238,863
    Over 8% 258 $43,270,000 $167,713

    During 2022, Zions Bancorporation N.a.'s average interest rate for loans was 3.94%, while their most frequently originated rate bucket for loans was 3-4%, with 4,361 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,165 $1,183,035,000 $284,042 $4,522 3.97%
    $100k-200k 3,611 $508,965,000 $140,948 $3,251 4.02%
    $100,000 or less 3,052 $184,580,000 $60,478 $2,080 4.09%
    $400k-600k 2,488 $1,177,670,000 $473,340 $5,928 3.82%
    $1MM+ 1,803 $3,545,105,000 $1,966,226 $11,950 3.59%
    $600k-1MM 1,546 $1,179,670,000 $763,047 $7,337 3.72%

    2022 saw Zions Bancorporation N.a. place emphasis on $200k-400k loans with 4,165 originations, totaling $1,183,035,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 4,686 $4,360,390,000 $930,514 $9,580 3.81%
    $150k-250k 3,777 $1,413,215,000 $374,163 $6,593 3.91%
    $100k-150k 3,317 $834,715,000 $251,648 $5,612 3.98%
    $75k-100k 1,789 $339,945,000 $190,020 $4,740 3.99%
    $50k-75k 1,612 $239,940,000 $148,846 $4,042 4.00%
    $50k or less 839 $91,675,000 $109,267 $3,096 3.99%

    Zions Bancorporation N.a. lent most frequently to those with incomes in the $250k+ range, with 4,686 originations. The second most popular income band? $150k-250k, with 3,777 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,978 $1,364,820,000 $458,301 $6,727 3.79%
    30-36% 2,625 $1,237,855,000 $471,564 $6,968 3.90%
    50-60% 1,632 $472,600,000 $289,583 $9,230 4.06%
    <20% 1,460 $786,890,000 $538,966 $6,656 3.66%
    44% 718 $427,050,000 $594,777 $7,878 3.94%
    42% 677 $294,905,000 $435,606 $6,880 4.08%
    43% 604 $333,320,000 $551,854 $7,979 4.04%
    40% 586 $286,590,000 $489,061 $6,847 3.90%
    41% 567 $285,025,000 $502,690 $7,278 3.94%
    39% 533 $256,935,000 $482,054 $6,669 4.02%
    37% 526 $245,040,000 $465,856 $6,441 3.94%
    36% 514 $257,510,000 $500,992 $7,620 4.02%
    48% 506 $183,220,000 $362,095 $7,267 3.99%
    38% 502 $230,590,000 $459,343 $6,791 4.10%
    47% 482 $158,400,000 $328,631 $7,007 3.90%
    45% 453 $187,705,000 $414,360 $7,421 4.00%
    46% 430 $168,040,000 $390,791 $7,204 4.02%
    49% 426 $182,520,000 $428,451 $6,650 4.00%
    >60% 27 $11,855,000 $439,074 $9,023 4.22%

    Zions Bancorporation N.a. lent most frequently to those with DTI ratios of 20-30%, with 2,978 originations. The next most common DTI ratio? 30-36%, with 2,625 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 13,341 $5,672,455,000 $425,190 $6,954 3.93%
    Not provided 1,266 $916,800,000 $724,171 $7,383 3.83%
    Asian 641 $455,945,000 $711,303 $6,828 3.89%
    Not applicable 83 $345,755,000 $4,165,723 $0 4.55%
    Black 341 $100,505,000 $294,736 $6,494 4.09%
    Chinese 309 $95,955,000 $310,534 $0 3.46%
    Asian Indian 163 $48,655,000 $298,497 $0 3.56%
    Vietnamese 101 $34,545,000 $342,030 $0 3.85%
    Korean 104 $29,110,000 $279,904 $0 4.23%
    American Indian 82 $28,870,000 $352,073 $7,177 4.05%
    Filipino 76 $12,820,000 $168,684 $0 3.45%
    Native Hawaiian or Islander 35 $11,115,000 $317,571 $8,074 3.71%
    Other Asian 46 $10,130,000 $220,217 $0 4.36%
    Japanese 41 $10,085,000 $245,976 $0 3.37%
    Native Hawaiian 17 $3,395,000 $199,706 $0 3.65%
    Other Pacific Islander 14 $2,140,000 $152,857 $0 2.72%
    Samoan 4 $670,000 $167,500 $0 3.93%
    Guamanian 1 $75,000 $75,000 $0 1.99%

    Approval Rates

    Total approvals of all applications
    70.69%

    Zions Bancorporation N.a. has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    72.43%

    Zions Bancorporation N.a. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 16,665 $7,779,025,000 $466,788

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    16,665 $7,779,025,000 $466,788

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 4,794 $1,419,340,000 $296,066 $4,209 3.95%
    40-60% 2,527 $1,768,285,000 $699,757 $6,660 3.76%
    60-80% 3,713 $3,074,615,000 $828,068 $8,062 3.86%
    80-100% 1,432 $957,300,000 $668,506 $7,047 4.11%
    Over 100% 15 $5,725,000 $381,667 $12,557 4.24%
    Under 20% 4,184 $553,760,000 $132,352 $2,579 3.95%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    ZIONS BANCORPORATION Conventional home mortgage Trouble during payment process 1 100.0%