Zions Bank Mortgage Rates, Fees & Info
Salt Lake City, UTLEI: 8WH0EE09O9V05QJZ3V89
Tax ID: 87-0189025
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Mortgage Data
Review & Overview
Zions Bank is a mid-sized bank specializing in Other and Home Purchase 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: Houston, Los Angeles, Las Vegas, Denver, and Phoenix among others. We have data for 155 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/17/24 |
| 30 Year Conventional Purchase | 6.38% | 12/17/24 |
| 30 Year Conventional Refi | 6.34% | 12/17/24 |
| 30 Year Cash-out Refi | 6.52% | 12/17/24 |
| 30 Year FHA Purchase | 7.08% | 12/17/24 |
| 30 Year VA Purchase | 6.12% | 12/17/24 |
| 30 Year USDA Purchase | 6.66% | 12/17/24 |
| 30 Year USDA Refi | 6.94% | 12/17/24 |
| 15 Year Conventional Purchase | 5.79% | 12/17/24 |
| 15 Year Conventional Refi | 5.89% | 12/17/24 |
| 15 Year Cash-out Refi | 5.89% | 12/17/24 |
| 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
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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
10,314Origination Dollar Volume (All Markets)
$3,971,570,000Awards
Zions Bank - 2023
Zions Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Zions Bank's average 30 year fixed mortgage rate was
7.54%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 1.06%.
Relative Fees (Closing Costs)
Zions Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,154.
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 $9,089.
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) | 1,382 | $451,280,000 | $326,541 | $7,226 | 6.81% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 491 | $301,785,000 | $614,633 | $7,607 | 8.14% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 954 | $273,680,000 | $286,876 | $6,214 | 6.90% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 756 | $262,600,000 | $347,354 | $6,111 | 8.16% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 511 | $223,115,000 | $436,624 | $8,806 | 8.39% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 565 | $211,965,000 | $375,159 | $5,159 | 7.30% |
| Heber, UT (FHA|USDA|VA) | 200 | $198,410,000 | $992,050 | $9,991 | 7.07% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 294 | $151,720,000 | $516,054 | $6,796 | 8.19% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 497 | $141,125,000 | $283,954 | $8,933 | 6.87% |
| ST. GEORGE, UT (FHA|USDA|VA) | 279 | $140,185,000 | $502,455 | $6,505 | 7.13% |
| Outside of Metro Areas | 408 | $120,730,000 | $295,907 | $7,087 | 7.64% |
| PROVO-OREM, UT (FHA|USDA|VA) | 299 | $112,195,000 | $375,234 | $5,183 | 7.30% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 133 | $99,785,000 | $750,263 | $6,555 | 7.78% |
| BOISE CITY, ID (FHA|USDA|VA) | 273 | $94,285,000 | $345,366 | $6,678 | 7.04% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 251 | $86,725,000 | $345,518 | $5,642 | 7.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 150 | $73,090,000 | $487,267 | $7,452 | 7.89% |
| TUCSON, AZ (FHA|USDA|VA) | 188 | $60,300,000 | $320,745 | $8,710 | 8.35% |
| Jackson, WY-ID (FHA|USDA|VA) | 78 | $60,080,000 | $770,256 | $8,175 | 6.59% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 97 | $51,515,000 | $531,082 | $9,378 | 6.77% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 155 | $48,845,000 | $315,129 | $8,998 | 6.60% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 55 | $46,655,000 | $848,273 | $5,586 | 6.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 67 | $46,315,000 | $691,269 | $7,688 | 7.01% |
| BOULDER, CO (FHA|USDA|VA) | 122 | $45,160,000 | $370,164 | $5,213 | 8.14% |
| RENO, NV (FHA|USDA|VA) | 106 | $37,990,000 | $358,396 | $5,422 | 6.84% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 156 | $33,310,000 | $213,526 | $6,074 | 8.58% |
| LOGAN, UT-ID (FHA|USDA|VA) | 114 | $30,830,000 | $270,439 | $6,986 | 7.34% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 33 | $30,525,000 | $925,000 | $5,404 | 7.18% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 91 | $23,685,000 | $260,275 | $7,145 | 8.35% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 79 | $22,195,000 | $280,949 | $6,556 | 7.46% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 65 | $21,945,000 | $337,615 | $9,048 | 8.47% |
| Breckenridge, CO (FHA|USDA|VA) | 14 | $20,830,000 | $1,487,857 | $4,403 | 7.84% |
| Hailey, ID (FHA|USDA|VA) | 32 | $19,170,000 | $599,063 | $6,853 | 7.05% |
| YUMA, AZ (FHA|USDA|VA) | 148 | $18,450,000 | $124,662 | $5,176 | 9.16% |
| Moscow, ID (FHA|USDA|VA) | 50 | $18,420,000 | $368,400 | $7,679 | 6.97% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 95 | $17,275,000 | $181,842 | $6,509 | 8.46% |
| Steamboat Springs, CO (FHA|USDA|VA) | 38 | $16,170,000 | $425,526 | $6,154 | 7.64% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 20 | $15,240,000 | $762,000 | $7,733 | 6.82% |
| Show Low, AZ (FHA|USDA|VA) | 64 | $15,200,000 | $237,500 | $10,727 | 8.37% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $14,880,000 | $7,440,000 | $0 | 8.86% |
| Edwards, CO (FHA|USDA|VA) | 16 | $13,610,000 | $850,625 | $20,855 | 7.79% |
| Glenwood Springs, CO (FHA|USDA|VA) | 8 | $12,070,000 | $1,508,750 | $19,111 | 8.23% |
| FORT COLLINS, CO (FHA|USDA|VA) | 34 | $11,650,000 | $342,647 | $6,395 | 8.14% |
| FRESNO, CA (FHA|USDA|VA) | 21 | $11,305,000 | $538,333 | $10,253 | 7.81% |
| Vernal, UT (FHA|USDA|VA) | 46 | $10,050,000 | $218,478 | $3,891 | 7.66% |
| Rexburg, ID (FHA|USDA|VA) | 20 | $9,850,000 | $492,500 | $9,040 | 6.67% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $9,335,000 | $1,867,000 | $13,195 | 7.69% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 25 | $9,035,000 | $361,400 | $7,564 | 6.16% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 20 | $8,900,000 | $445,000 | $5,647 | 8.06% |
| Payson, AZ (FHA|USDA|VA) | 36 | $8,660,000 | $240,556 | $8,079 | 8.60% |
| Ontario, OR-ID (FHA|USDA|VA) | 34 | $7,900,000 | $232,353 | $5,229 | 6.86% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 49 | $7,865,000 | $160,510 | $3,686 | 8.08% |
| Cedar City, UT (FHA|USDA|VA) | 32 | $7,700,000 | $240,625 | $3,782 | 7.43% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 39 | $7,685,000 | $197,051 | $5,836 | 6.91% |
| STOCKTON, CA (FHA|USDA|VA) | 14 | $7,360,000 | $525,714 | $4,168 | 6.44% |
| PUEBLO, CO (FHA|USDA|VA) | 44 | $6,870,000 | $156,136 | $2,902 | 7.99% |
| POCATELLO, ID (FHA|USDA|VA) | 36 | $6,400,000 | $177,778 | $3,355 | 7.15% |
| Blackfoot, ID (FHA|USDA|VA) | 30 | $5,920,000 | $197,333 | $6,332 | 7.46% |
| TWIN FALLS, ID (FHA|USDA|VA) | 23 | $5,775,000 | $251,087 | $9,561 | 6.91% |
| GREELEY, CO (FHA|USDA|VA) | 29 | $5,595,000 | $192,931 | $10,319 | 8.65% |
| Montrose, CO (FHA|USDA|VA) | 20 | $5,380,000 | $269,000 | $5,564 | 8.06% |
| Huntsville, TX (FHA|USDA|VA) | 11 | $5,375,000 | $488,636 | $10,035 | 5.97% |
| MADERA, CA (FHA|USDA|VA) | 2 | $5,280,000 | $2,640,000 | $0 | 8.26% |
| SALINAS, CA (FHA|USDA|VA) | 8 | $5,270,000 | $658,750 | $6,247 | 7.41% |
| Pahrump, NV (FHA|USDA|VA) | 40 | $5,190,000 | $129,750 | $5,970 | 7.23% |
| Outside of Metro Areas | 6 | $4,600,000 | $766,667 | $13,622 | 6.55% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $4,530,000 | $1,132,500 | $7,695 | 6.34% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $4,485,000 | $897,000 | $11,682 | 6.27% |
| VALLEJO, CA (FHA|USDA|VA) | 9 | $4,465,000 | $496,111 | $6,191 | 7.46% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 6 | $4,340,000 | $723,333 | $3,967 | 6.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 31 | $4,055,000 | $130,806 | $4,782 | 8.50% |
| Durango, CO (FHA|USDA|VA) | 18 | $3,910,000 | $217,222 | $9,024 | 8.26% |
| VISALIA, CA (FHA|USDA|VA) | 8 | $3,780,000 | $472,500 | $6,901 | 7.09% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $3,630,000 | $1,815,000 | $21,666 | 6.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 21 | $3,555,000 | $169,286 | $5,835 | 6.42% |
| Price, UT (FHA|USDA|VA) | 11 | $3,555,000 | $323,182 | $1,408 | 7.96% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 8 | $2,930,000 | $366,250 | $6,541 | 6.56% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 8 | $2,770,000 | $346,250 | $6,846 | 7.12% |
| Pullman, WA (FHA|USDA|VA) | 5 | $2,645,000 | $529,000 | $7,114 | 6.75% |
| FARMINGTON, NM (FHA|USDA|VA) | 24 | $2,590,000 | $107,917 | $4,140 | 8.44% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $2,405,000 | $801,667 | $8,962 | 6.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $2,275,000 | $325,000 | $7,678 | 7.21% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 8 | $2,180,000 | $272,500 | $0 | 7.41% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,145,000 | $715,000 | $4,317 | 6.52% |
| Fredericksburg, TX (FHA|USDA|VA) | 4 | $2,140,000 | $535,000 | $9,707 | 5.81% |
| Elko, NV (FHA|USDA|VA) | 16 | $2,100,000 | $131,250 | $4,551 | 7.72% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $50,222 | 6.63% |
| TYLER, TX (FHA|USDA|VA) | 5 | $1,895,000 | $379,000 | $11,844 | 6.79% |
| Fallon, NV (FHA|USDA|VA) | 14 | $1,810,000 | $129,286 | $4,327 | 6.70% |
| Fernley, NV (FHA|USDA|VA) | 11 | $1,745,000 | $158,636 | $19,960 | 5.15% |
| Nogales, AZ (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $8,942 | 7.95% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,670,000 | $835,000 | $6,969 | 7.50% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $1,615,000 | $1,615,000 | $10,120 | 7.00% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $1,605,000 | $1,605,000 | $24,839 | 8.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $1,490,000 | $745,000 | $6,122 | 5.89% |
| Burley, ID (FHA|USDA|VA) | 12 | $1,430,000 | $119,167 | $3,963 | 7.98% |
| Winnemucca, NV (FHA|USDA|VA) | 11 | $1,365,000 | $124,091 | $4,052 | 6.26% |
| Newport, OR (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $0 | 7.00% |
| Port Lavaca, TX (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $6,846 | 6.94% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $1,075,000 | $1,075,000 | $10,282 | 6.38% |
| Rockport, TX (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $7,622 | 7.06% |
| Safford, AZ (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $3,125 | 8.82% |
| Boone, NC (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $5,636 | 5.38% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $9,490 | 6.06% |
| Mountain Home, ID (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $9,724 | 6.83% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $8,767 | 7.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $7,225 | 6.25% |
| Cañon City, CO (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,006 | 7.42% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $3,421 | 5.75% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,894 | 6.81% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $3,959 | 7.25% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,922 | 7.90% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $20,811 | 4.38% |
| Shelton, WA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $8,921 | 5.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 8.13% |
| Bay City, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $10,315 | 9.00% |
| El Campo, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $2,933 | 5.81% |
| Brenham, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 6.74% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,928 | 6.13% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,670 | 7.00% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,520 | 6.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $7,000 | 8.50% |
| Española, NM (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,334 | 7.94% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,293 | 5.25% |
| Centralia, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,283 | 6.50% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 5.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 9.10% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $0 | 7.63% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 8.85% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,929 | 5.50% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,247 | 5.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,921 | 5.13% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,570 | 7.38% |
| Athens, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 6.74% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,412 | 7.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,671 | 7.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,475 | 7.63% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,035 | 7.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,603 | 5.38% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,277 | 7.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.05% |
| Palestine, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.74% |
| NAPA, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 9.93% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.40% |
| Craig, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,023 | 6.38% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,298 | 5.88% |
| Bonham, TX (FHA|USDA|VA) | 3 | $135,000 | $45,000 | $0 | 9.54% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,387 | 6.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.18% |
| Riverton, WY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,156 | 5.63% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,508 | 5.63% |
| WACO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.60% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,168 | 8.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.23% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.85% |
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Product Mix
For 2023, Zions Bank's most frequently originated type of loan was HELOC, with 7,274 originations. Their 2nd most popular type was Conventional, with 2,989 originations.
Loan Reason
For 2023, Zions Bank's most frequently cited loan purpose was Other, with 3,445 originations. The 2nd most popular reason was Home Purchase, with 2,298 originations.
Loan Duration/Length
For 2023, Zions Bank's most frequently cited loan duration was 30 Year, with 9,386 originations. The 2nd most popular length was 30+ year, with 526 originations.
Origination Fees/Closing Costs
Zions Bank's average total fees were $6,154, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,434 originations.
Interest Rates
During 2023, Zions Bank's average interest rate for loans was 7.54%, while their most frequently originated rate bucket for loans was Over 8%, with 4,336 originations.
Loan Sizing
2023 saw Zions Bank place emphasis on $200k-400k loans with 2,589 originations, totaling $731,765,000 in origination value.
Applicant Income
Zions Bank lent most frequently to those with incomes in the $250k+ range, with 2,827 originations. The second most popular income band? $150k-250k, with 2,388 originations.
Applicant Debt to Income Ratio
Zions Bank lent most frequently to those with DTI ratios of 20-30%, with 1,540 originations. The next most common DTI ratio? 30-36%, with 1,432 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications66.62%
Zions Bank has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination69.02%
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 | 10,314 | $3,971,570,000 | $385,066 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 10,314 | $3,971,570,000 | $385,066 |