Zions Bank Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 8WH0EE09O9V05QJZ3V89

Tax ID: 87-0189025

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Mortgage Data

Bank Data

Review & Overview

Zions Bank is a mid-sized bank specializing in Cash Out Refi 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Las Vegas, Denver, Los Angeles, and Salt Lake City among others. We have data for 127 markets. (Some data included below & more in-depth data is available with an active subscription.)

Zions Bank 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 Bank is typically a low 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) 6.72% 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

12,489

Origination Dollar Volume (All Markets)

$3,534,755,000

Employee count

10,201 Show all (50) awards

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) 1,250 $366,200,000 $292,960 $11,342 3.94%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1,309 $294,555,000 $225,023 $4,388 3.98%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1,100 $262,440,000 $238,582 $5,456 4.88%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 542 $259,080,000 $478,007 $5,729 3.86%
SALT LAKE CITY, UT (FHA|USDA|VA) 915 $245,275,000 $268,060 $5,288 4.41%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 724 $230,810,000 $318,798 $6,045 4.18%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 312 $136,280,000 $436,795 $5,554 3.89%
Outside of Metro Areas 627 $117,195,000 $186,914 $5,267 4.46%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 428 $112,840,000 $263,645 $6,713 4.40%
PROVO-OREM, UT (FHA|USDA|VA) 400 $111,960,000 $279,900 $4,535 4.29%
ST. GEORGE, UT (FHA|USDA|VA) 356 $110,060,000 $309,157 $5,295 4.46%
Heber, UT (FHA|USDA|VA) 207 $102,315,000 $494,275 $7,880 4.32%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 54 $75,810,000 $1,403,889 $16,164 3.96%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 166 $72,320,000 $435,663 $7,046 3.72%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 256 $54,080,000 $211,250 $5,253 4.24%
RENO, NV (FHA|USDA|VA) 213 $52,855,000 $248,146 $4,839 3.61%
BOULDER, CO (FHA|USDA|VA) 194 $52,720,000 $271,753 $5,099 4.91%
ALBUQUERQUE, NM (FHA|USDA|VA) 7 $49,255,000 $7,036,429 $0 4.59%
TUCSON, AZ (FHA|USDA|VA) 235 $49,065,000 $208,787 $5,572 4.41%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 123 $47,145,000 $383,293 $5,149 3.86%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 187 $44,215,000 $236,444 $11,944 4.43%
COLORADO SPRINGS, CO (FHA|USDA|VA) 201 $42,895,000 $213,408 $4,176 4.85%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 52 $37,760,000 $726,154 $4,646 4.36%
BOISE CITY, ID (FHA|USDA|VA) 225 $37,315,000 $165,844 $5,761 4.55%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 80 $34,090,000 $426,125 $10,970 4.20%
LOGAN, UT-ID (FHA|USDA|VA) 167 $30,885,000 $184,940 $5,562 4.49%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 49 $29,145,000 $594,796 $13,281 3.81%
FLAGSTAFF, AZ (FHA|USDA|VA) 131 $26,785,000 $204,466 $5,824 4.49%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $26,085,000 $8,695,000 $2,082 3.66%
Glenwood Springs, CO (FHA|USDA|VA) 81 $24,755,000 $305,617 $4,190 4.60%
Moscow, ID (FHA|USDA|VA) 99 $22,635,000 $228,636 $6,213 4.68%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 140 $19,270,000 $137,643 $4,657 4.24%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 49 $18,375,000 $375,000 $5,957 4.08%
IDAHO FALLS, ID (FHA|USDA|VA) 117 $17,805,000 $152,179 $6,253 4.51%
Cedar City, UT (FHA|USDA|VA) 78 $16,490,000 $211,410 $5,273 4.49%
YUMA, AZ (FHA|USDA|VA) 91 $14,585,000 $160,275 $3,179 4.34%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 29 $14,055,000 $484,655 $6,513 4.25%
Durango, CO (FHA|USDA|VA) 39 $13,125,000 $336,538 $4,028 4.61%
Steamboat Springs, CO (FHA|USDA|VA) 46 $12,910,000 $280,652 $4,871 4.53%
FORT COLLINS, CO (FHA|USDA|VA) 52 $12,740,000 $245,000 $3,828 4.90%
Edwards, CO (FHA|USDA|VA) 24 $12,290,000 $512,083 $7,765 4.60%
Show Low, AZ (FHA|USDA|VA) 75 $11,465,000 $152,867 $4,405 4.12%
Gardnerville Ranchos, NV (FHA|USDA|VA) 41 $10,925,000 $266,463 $5,561 3.71%
Hailey, ID (FHA|USDA|VA) 35 $10,405,000 $297,286 $6,980 4.29%
Rexburg, ID (FHA|USDA|VA) 44 $10,250,000 $232,955 $7,738 4.53%
Jackson, WY-ID (FHA|USDA|VA) 18 $9,940,000 $552,222 $10,003 4.27%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 16 $9,730,000 $608,125 $3,813 3.69%
Vernal, UT (FHA|USDA|VA) 50 $9,640,000 $192,800 $4,669 4.37%
POCATELLO, ID (FHA|USDA|VA) 44 $9,620,000 $218,636 $4,337 4.49%
Payson, AZ (FHA|USDA|VA) 53 $9,215,000 $173,868 $5,685 4.21%
Elko, NV (FHA|USDA|VA) 41 $8,155,000 $198,902 $4,632 3.82%
Pahrump, NV (FHA|USDA|VA) 75 $8,015,000 $106,867 $3,981 4.61%
FRESNO, CA (FHA|USDA|VA) 34 $7,800,000 $229,412 $3,684 4.10%
GREELEY, CO (FHA|USDA|VA) 41 $7,415,000 $180,854 $3,791 4.97%
Fernley, NV (FHA|USDA|VA) 52 $6,110,000 $117,500 $4,291 3.88%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 57 $5,835,000 $102,368 $5,006 4.07%
Breckenridge, CO (FHA|USDA|VA) 18 $5,510,000 $306,111 $5,077 4.88%
PUEBLO, CO (FHA|USDA|VA) 51 $5,355,000 $105,000 $2,280 4.97%
Pullman, WA (FHA|USDA|VA) 18 $5,330,000 $296,111 $5,946 4.48%
Blackfoot, ID (FHA|USDA|VA) 41 $4,815,000 $117,439 $5,576 4.17%
LEWISTON, ID-WA (FHA|USDA|VA) 23 $4,315,000 $187,609 $5,544 4.39%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $4,215,000 $1,405,000 $14,379 4.19%
GRAND JUNCTION, CO (FHA|USDA|VA) 25 $3,985,000 $159,400 $3,290 4.73%
TWIN FALLS, ID (FHA|USDA|VA) 17 $3,695,000 $217,353 $5,369 4.28%
Ontario, OR-ID (FHA|USDA|VA) 26 $3,680,000 $141,538 $6,540 4.28%
Burley, ID (FHA|USDA|VA) 18 $3,650,000 $202,778 $5,621 4.79%
FARMINGTON, NM (FHA|USDA|VA) 22 $3,620,000 $164,545 $3,769 4.77%
Outside of Metro Areas 8 $3,050,000 $381,250 $7,220 4.96%
BEND, OR (FHA|USDA|VA) 4 $2,680,000 $670,000 $5,158 3.56%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $2,455,000 $818,333 $4,200 4.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $2,135,000 $711,667 $4,978 4.57%
CARSON CITY, NV (FHA|USDA|VA) 19 $2,035,000 $107,105 $3,985 3.21%
Price, UT (FHA|USDA|VA) 12 $1,990,000 $165,833 $2,926 4.74%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,930,000 $482,500 $5,273 4.59%
Fallon, NV (FHA|USDA|VA) 13 $1,725,000 $132,692 $3,385 4.27%
Montrose, CO (FHA|USDA|VA) 8 $1,720,000 $215,000 $2,651 4.61%
Winnemucca, NV (FHA|USDA|VA) 12 $1,450,000 $120,833 $3,591 3.80%
Rock Springs, WY (FHA|USDA|VA) 4 $1,210,000 $302,500 $8,510 4.97%
BAKERSFIELD, CA (FHA|USDA|VA) 11 $1,185,000 $107,727 $3,168 4.10%
VALLEJO, CA (FHA|USDA|VA) 4 $1,120,000 $280,000 $700 3.43%
Nogales, AZ (FHA|USDA|VA) 9 $1,055,000 $117,222 $3,232 3.94%
Safford, AZ (FHA|USDA|VA) 10 $970,000 $97,000 $3,422 4.32%
El Campo, TX (FHA|USDA|VA) 6 $820,000 $136,667 $5,570 5.03%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $820,000 $205,000 $8,467 4.22%
Huntsville, TX (FHA|USDA|VA) 3 $805,000 $268,333 $13,668 4.58%
Craig, CO (FHA|USDA|VA) 2 $670,000 $335,000 $0 5.00%
STOCKTON, CA (FHA|USDA|VA) 3 $655,000 $218,333 $2,886 3.64%
NAPA, CA (FHA|USDA|VA) 2 $650,000 $325,000 $2,907 3.81%
Fredericksburg, TX (FHA|USDA|VA) 1 $615,000 $615,000 $12,510 3.50%
Brenham, TX (FHA|USDA|VA) 1 $565,000 $565,000 $11,759 3.50%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $555,000 $555,000 $0 4.63%
BELLINGHAM, WA (FHA|USDA|VA) 1 $545,000 $545,000 $13,285 4.25%
Bay City, TX (FHA|USDA|VA) 2 $530,000 $265,000 $10,893 3.18%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $480,000 $240,000 $3,941 3.68%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $465,000 $465,000 $2,535 4.13%
Ellensburg, WA (FHA|USDA|VA) 1 $425,000 $425,000 $8,404 4.88%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $425,000 $425,000 $2,829 3.88%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $425,000 $141,667 $3,631 3.71%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $390,000 $195,000 $3,403 4.38%
Rockport, TX (FHA|USDA|VA) 1 $375,000 $375,000 $9,127 3.88%
MIDLAND, TX (FHA|USDA|VA) 1 $375,000 $375,000 $0 4.65%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $365,000 $365,000 $6,409 4.88%
YAKIMA, WA (FHA|USDA|VA) 1 $355,000 $355,000 $9,771 5.13%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $335,000 $335,000 $15,037 4.25%
CaƱon City, CO (FHA|USDA|VA) 3 $255,000 $85,000 $0 4.83%
Granbury, TX (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.45%
Newport, OR (FHA|USDA|VA) 2 $240,000 $120,000 $6,144 5.28%
GRANTS PASS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $4,735 4.25%
Kerrville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $6,746 3.63%
VISALIA, CA (FHA|USDA|VA) 1 $185,000 $185,000 $4,264 5.00%
EL CENTRO, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.50%
Athens, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.99%
MADERA, CA (FHA|USDA|VA) 1 $155,000 $155,000 $3,065 4.63%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $150,000 $75,000 $3,625 3.81%
WALLA WALLA, WA (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.00%
Clovis, NM (FHA|USDA|VA) 1 $135,000 $135,000 $4,004 4.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $125,000 $125,000 $5,732 4.50%
Fort Morgan, CO (FHA|USDA|VA) 2 $120,000 $60,000 $0 6.05%
Taos, NM (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.00%
Klamath Falls, OR (FHA|USDA|VA) 1 $105,000 $105,000 $3,643 4.75%
Shelton, WA (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.50%
Sterling, CO (FHA|USDA|VA) 1 $105,000 $105,000 $3,130 5.63%
WACO, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.15%
Sonora, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.24%
Ruidoso, NM (FHA|USDA|VA) 1 $55,000 $55,000 $2,885 4.75%
LAS CRUCES, NM (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.99%
Susanville, CA (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.24%
Zions Bank's top markets include Houston, Las Vegas, Denver, Los Angeles, and Salt Lake City 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 8,304 $1,451,390,000 $174,782 n/a 4.23%
    Conventional 4,003 $2,037,085,000 $508,890 $6,155 4.39%
    VA 82 $24,320,000 $296,585 $6,358 4.25%
    FHA 80 $18,200,000 $227,500 $7,135 4.43%
    USDA 20 $3,760,000 $188,000 $5,179 4.46%

    For 2018, Zions Bank's most frequently originated type of loan was HELOC, with 8,304 originations. Their 2nd most popular type was Conventional, with 4,003 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 3,475 $873,665,000 $251,414 $3,736 4.15%
    Other 3,256 $524,330,000 $161,035 $0 4.44%
    Home Purchase 2,735 $1,527,195,000 $558,389 $7,602 4.34%
    Home Improvement 2,315 $317,455,000 $137,130 $4,860 4.21%
    Refi 708 $292,110,000 $412,585 $3,873 4.25%

    For 2018, Zions Bank's most frequently cited loan purpose was Cash Out Refi, with 3,475 originations. The 2nd most popular reason was Other, with 3,256 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 11,655 $3,133,935,000 $268,892 $6,625 4.30%
    20 Year 304 $57,390,000 $188,783 $3,425 3.43%
    15 Year 296 $53,850,000 $181,926 $3,438 4.28%
    10 Year 144 $122,070,000 $847,708 $832 4.65%
    5 Year 41 $129,695,000 $3,163,293 $244 5.08%
    Other 41 $16,275,000 $396,951 $255 4.66%
    1 Year 4 $4,420,000 $1,105,000 $0 4.81%
    3 Year 4 $17,120,000 $4,280,000 $0 4.84%

    For 2018, Zions Bank's most frequently cited loan duration was 30 Year, with 11,655 originations. The 2nd most popular length was 20 Year, with 304 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,388 $569,340,000 $410,187
    $<1k 861 $244,475,000 $283,943
    $5k+ 786 $614,870,000 $782,277
    $2k-3k 474 $147,740,000 $311,688
    $3k-4k 293 $137,565,000 $469,505
    $4k-5k 219 $103,785,000 $473,904

    Zions Bank's average total fees were $6,625, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,388 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 4,305 $1,501,805,000 $348,851
    5-6% 3,030 $557,450,000 $183,977
    3-4% 2,414 $1,020,160,000 $422,601
    <2.5% 1,313 $219,925,000 $167,498
    2.5-3% 938 $191,260,000 $203,902
    6-7% 359 $31,625,000 $88,092
    7-8% 105 $9,615,000 $91,571
    Over 8% 22 $1,760,000 $80,000
    % 3 $1,155,000 $385,000

    During 2018, Zions Bank's average interest rate for loans was 4.30%, while their most frequently originated rate bucket for loans was 4-5%, with 4,305 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 3,999 $222,545,000 $55,650 $2,189 4.41%
    $200k-400k 3,090 $838,590,000 $271,388 $5,105 4.25%
    $100k-200k 3,085 $433,775,000 $140,608 $3,499 4.30%
    $400k-600k 1,085 $522,405,000 $481,479 $6,835 4.15%
    $600k-1MM 717 $535,285,000 $746,562 $8,798 4.03%
    $1MM+ 513 $982,155,000 $1,914,532 $14,778 4.02%

    2018 saw Zions Bank place emphasis on $100,000 or less loans with 3,999 originations, totaling $222,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,451 $482,125,000 $196,705 $5,270 4.39%
    $150k-250k 2,249 $666,635,000 $296,414 $6,562 4.23%
    $250k+ 2,151 $1,375,185,000 $639,324 $9,995 4.17%
    $50k-75k 1,948 $257,350,000 $132,110 $4,373 4.30%
    $75k-100k 1,771 $288,715,000 $163,024 $4,699 4.33%
    $50k or less 1,395 $129,985,000 $93,179 $3,305 4.29%

    Zions Bank lent most frequently to those with incomes in the $100k-150k range, with 2,451 originations. The second most popular income band? $150k-250k, with 2,249 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,491 $621,965,000 $249,685 $5,672 4.25%
    30-36% 2,058 $619,960,000 $301,244 $6,607 4.29%
    <20% 1,298 $366,100,000 $282,049 $5,740 4.14%
    50-60% 991 $207,745,000 $209,632 $6,905 4.30%
    42% 485 $172,955,000 $356,608 $7,349 4.37%
    41% 480 $158,480,000 $330,167 $6,737 4.43%
    39% 448 $121,140,000 $270,402 $6,045 4.27%
    40% 446 $133,990,000 $300,426 $6,730 4.35%
    38% 406 $123,090,000 $303,177 $7,480 4.37%
    37% 397 $131,435,000 $331,071 $6,726 4.22%
    36% 380 $107,070,000 $281,763 $6,854 4.18%
    43% 346 $64,140,000 $185,376 $4,550 4.37%
    44% 342 $66,450,000 $194,298 $4,360 4.30%
    45% 318 $64,090,000 $201,541 $5,299 4.27%
    47% 311 $67,005,000 $215,450 $5,270 4.35%
    49% 310 $73,610,000 $237,452 $5,129 4.33%
    48% 293 $61,805,000 $210,939 $5,838 4.40%
    46% 283 $62,095,000 $219,417 $5,162 4.49%
    >60% 40 $10,000,000 $250,000 $7,077 4.46%

    Zions Bank lent most frequently to those with DTI ratios of 20-30%, with 2,491 originations. The next most common DTI ratio? 30-36%, with 2,058 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,549 $2,611,495,000 $247,559 $5,889 4.30%
    Not provided 713 $356,255,000 $499,656 $7,656 4.30%
    Not applicable 72 $250,090,000 $3,473,472 $0 5.03%
    Asian 548 $193,600,000 $353,285 $6,078 4.06%
    Black 161 $40,345,000 $250,590 $6,620 4.17%
    American Indian 145 $23,545,000 $162,379 $7,348 4.11%
    Chinese 61 $13,385,000 $219,426 $0 3.83%
    Vietnamese 42 $10,420,000 $248,095 $0 3.95%
    Native Hawaiian or Islander 36 $7,820,000 $217,222 $5,599 3.81%
    Japanese 22 $6,230,000 $283,182 $0 3.65%
    Korean 30 $6,070,000 $202,333 $0 3.89%
    Other Asian 29 $5,015,000 $172,931 $3,847 4.24%
    Asian Indian 26 $4,890,000 $188,077 $0 3.91%
    Filipino 38 $3,800,000 $100,000 $0 4.14%
    Other Pacific Islander 15 $1,735,000 $115,667 $0 5.11%
    Guamanian 1 $35,000 $35,000 $0 7.63%
    Samoan 1 $25,000 $25,000 $0 5.39%

    Approval Rates

    Total approvals of all applications
    73.04%

    Zions Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    71.64%

    Zions Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 12,489 $3,534,755,000 $283,029

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 39 $198,845,000 $5,098,590
    Single Family (1-4 Units):Manufactured 313 $26,735,000 $85,415
    Single Family (1-4 Units):Site-Built 12,137 $3,309,175,000 $272,652

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 3,063 $534,815,000 $174,605 $4,122 4.27%
    40-60% 1,838 $684,900,000 $372,633 $5,191 4.17%
    60-80% 3,117 $1,477,255,000 $473,935 $6,798 4.24%
    80-100% 1,494 $588,010,000 $393,581 $6,557 4.34%
    Over 100% 12 $3,690,000 $307,500 $11,225 4.30%
    Under 20% 2,964 $244,280,000 $82,416 $2,172 4.39%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    ZIONS BANCORPORATION Other type of mortgage Struggling to pay mortgage 1 8.3%
    ZIONS BANCORPORATION Conventional home mortgage Trouble during payment process 5 41.7%
    ZIONS BANCORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 8.3%
    ZIONS BANCORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 8.3%
    ZIONS BANCORPORATION Conventional home mortgage Closing on a mortgage 1 8.3%
    ZIONS BANCORPORATION Conventional home mortgage Incorrect information on your report 1 8.3%
    ZIONS BANCORPORATION Conventional home mortgage Struggling to pay mortgage 2 16.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    ZB, National Association 1 East Highway 89a Cottonwood, AZ 86326 Full Service B&M $85,027
    ZB, National Association 1 S Main Street Salt Lake City, UT 84133 Full Service B&M $5,406,076
    ZB, National Association 1 South Church Avenue, Suite 120 Tucson, AZ 85701 Full Service B&M $75,406
    ZB, National Association 1 South Main Street Manti, UT 84642 Full Service B&M $33,778
    ZB, National Association 1 West Liberty Street Reno, NV 89501 Full Service B&M $364,125
    ZB, National Association 10 North Main Fillmore, UT 84631 Full Service B&M $22,164
    ZB, National Association 10 South Main Street Ephraim, UT 84627 Full Service Retail $37,310
    ZB, National Association 100 Corporate Pointe, Suite 110 Culver City, CA 90230 Full Service B&M $58,480
    ZB, National Association 100 Wilshire Boulevard Santa Monica, CA 90401 Full Service B&M $61,654
    ZB, National Association 1000 Nevada Highway Boulder City, NV 89005 Full Service B&M $29,497
    ZB, National Association 1000 Spring Cypress Road Spring, TX 77373 Full Service B&M $84,569
    ZB, National Association 10001 Reunion Place Blvd. San Antonio, TX 78216 Full Service B&M $331,860
    ZB, National Association 1001 17th St. Ste R-300 Denver, CO 80202 Full Service B&M $1,024,206
    ZB, National Association 1001 Eagle Avenue Parker, AZ 85344 Full Service B&M $178,070
    ZB, National Association 1001 West Moana Lane Reno, NV 89509 Full Service B&M $143,134
    ZB, National Association 101 La Mina Avenue Ajo, AZ 85321 Full Service B&M $43,468
    ZB, National Association 101 South San Pedro Street Los Angeles, CA 90012 Full Service B&M $143,123
    ZB, National Association 10101 Grogans Mill The Woodlands, TX 77380 Full Service B&M $122,737
    ZB, National Association 10118 Westheimer Houston, TX 77042 Full Service B&M $35,921
    ZB, National Association 1016 Irwin Street San Rafael, CA 94901 Full Service B&M $23,342
    ZB, National Association 102 North Main Street Logan, UT 84321 Full Service B&M $1,722
    ZB, National Association 102 North Yale Avenue Claremont, CA 91711 Full Service B&M $92,861
    ZB, National Association 102 South Main Street Salt Lake City, UT 84101 Full Service B&M $31,144
    ZB, National Association 102 West Main Street Burley, ID 83318 Full Service B&M $96,256
    ZB, National Association 10223 Kuykendahl The Woodlands, TX 77382 Full Service B&M $45,817
    ZB, National Association 1024 Graves Avenue El Cajon, CA 92021 Full Service B&M $316,473
    ZB, National Association 1041 North Lake Havasu Avenue Lake Havasu City, AZ 86403 Full Service B&M $44,597
    ZB, National Association 105 South Main Street Moscow, ID 83843 Full Service B&M $55,779
    ZB, National Association 1060 Bay Area Blvd. Houston, TX 77058 Full Service B&M $38,810
    ZB, National Association 1060 North University Avenue Provo, UT 84604 Full Service B&M $99,542
    ZB, National Association 10605 Scripps Poway Pkwy, Ste A San Diego, CA 92131 Full Service B&M $76,997
    ZB, National Association 10610 Southern Highlands Parkway Las Vegas, NV 89141 Full Service B&M $66,605
    ZB, National Association 10701 West Bellfort Street Houston, TX 77099 Full Service B&M $25,922
    ZB, National Association 1075 Augusta Houston, TX 77057 Full Service B&M $134,143
    ZB, National Association 10811 Louetta Rd Houston, TX 77070 Full Service B&M $64,768
    ZB, National Association 110 East Main Castle Dale, UT 84513 Full Service B&M $36,256
    ZB, National Association 1100 Louisiana Houston, TX 77002 Full Service B&M $198,467
    ZB, National Association 1100 Snow Creek Drive Park City, UT 84060 Full Service B&M $163,365
    ZB, National Association 11031 East 40th Street Yuma, AZ 85367 Full Service B&M $55,824
    ZB, National Association 11035 Lavender Hill Dr Las Vegas, NV 89135 Full Service B&M $14,568
    ZB, National Association 11045 Fm 1960 West Houston, TX 77065 Full Service B&M $59,539
    ZB, National Association 111 East Center Street Blanding, UT 84511 Full Service B&M $24,924
    ZB, National Association 111 North 1st Avenue, Suite 1h Hailey, ID 83333 Full Service B&M $36,181
    ZB, National Association 111 South Tejon Street Colorado Springs, CO 80903 Full Service B&M $72,131
    ZB, National Association 1119 West Southern Avenue Mesa, AZ 85210 Full Service B&M $146,606
    ZB, National Association 112 South Main Street Kamas, UT 84036 Full Service B&M $56,205
    ZB, National Association 1127 Wall Street La Jolla, CA 92037 Full Service B&M $63,898
    ZB, National Association 1130 South Baldwin Ave Arcadia, CA 91007 Full Service B&M $88,081
    ZB, National Association 1130 West Pioneer Blvd Mesquite, NV 89027 Full Service B&M $27,291
    ZB, National Association 11345 West Olympic Boulevard Los Angeles, CA 90064 Full Service B&M $154,247
    ZB, National Association 11375 El Camino Real, Suite 100 San Diego, CA 92130 Full Service B&M $248,817
    ZB, National Association 115 Via Pico Plaza San Clemente, CA 92672 Full Service B&M $72,168
    ZB, National Association 1150 Cornell Avenue Lovelock, NV 89419 Full Service B&M $24,588
    ZB, National Association 11590 South Eastern Avenue Henderson, NV 89052 Full Service B&M $80,686
    ZB, National Association 1163 S Naco Hwy Bisbee, AZ 85603 Full Service B&M $46,077
    ZB, National Association 12 Greenway Plz, Suite 102 Houston, TX 77046 Full Service B&M $92,112
    ZB, National Association 120 East Main Street Santaquin, UT 84655 Full Service B&M $61,348
    ZB, National Association 1200 South Diamond Bar Boulevard Diamond Bar, CA 91765 Full Service B&M $49,496
    ZB, National Association 1200 South Townsend Montrose, CO 81401 Full Service B&M $34,604
    ZB, National Association 1201 Escalante Drive Durango, CO 81303 Full Service B&M $44,722
    ZB, National Association 1211 Sw 5th Avenue, Suite 1250 Portland, OR 97204 Full Service B&M $58,388
    ZB, National Association 12130 Hempstead Highway Houston, TX 77092 Full Service B&M $118,789
    ZB, National Association 1220 South 800 East Orem, UT 84097 Full Service B&M $207,687
    ZB, National Association 12271 South 900 East Draper, UT 84020 Full Service B&M $377,530
    ZB, National Association 12300 Wilshire Blvd. Suite#100 Los Angeles, CA 90025 Full Service B&M $65,579
    ZB, National Association 12312 East Freeway Houston, TX 77015 Full Service B&M $63,943
    ZB, National Association 12334 Barker Cypress Road Cypress, TX 77429 Full Service B&M $84,147
    ZB, National Association 1235 South Utah Avenue Idaho Falls, ID 83402 Full Service B&M $171,194
    ZB, National Association 125 North Main Street Randolph, UT 84064 Full Service B&M $29,249
    ZB, National Association 125 West 10600 South Sandy, UT 84070 Full Service B&M $100,927
    ZB, National Association 1250 Highway 50 West Pueblo, CO 81008 Full Service B&M $34,679
    ZB, National Association 1277 Treat Boulevard, Suite 120 Walnut Creek, CA 94597 Full Service B&M $94,642
    ZB, National Association 1290 South Main Street Snowflake, AZ 85937 Full Service B&M $53,948
    ZB, National Association 1292 West Redondo Beach Boulevard Gardena, CA 90247 Full Service B&M $124,737
    ZB, National Association 130 Plymouth Avenue, North New Plymouth, ID 83655 Full Service B&M $42,513
    ZB, National Association 1300 Rollingbrook Baytown, TX 77521 Full Service B&M $251,286
    ZB, National Association 1301 South Highway 160 Pahrump, NV 89048 Full Service B&M $104,378
    ZB, National Association 13030 State Highway 6 Santa Fe, TX 77510 Full Service B&M $29,877
    ZB, National Association 1304 South Foothill Drive Salt Lake City, UT 84108 Full Service B&M $234,840
    ZB, National Association 13060 Grant Road Cypress, TX 77429 Full Service Retail $60,240
    ZB, National Association 1308 Lacy Drive Baytown, TX 77520 Full Service B&M $65,914
    ZB, National Association 132 Main Street Tonopah, NV 89049 Full Service B&M $70,610
    ZB, National Association 1322 S. Gilbert Road Mesa, AZ 85204 Full Service B&M $42,569
    ZB, National Association 13289 West Mcdowell Road Goodyear, AZ 85338 Full Service B&M $25,831
    ZB, National Association 133 East 1400 North Logan, UT 84341 Full Service B&M $124,729
    ZB, National Association 1330 Wirt Road Houston, TX 77055 Full Service B&M $77,659
    ZB, National Association 13430 Northwest Highway Houston, TX 77040 Full Service B&M $552,650
    ZB, National Association 135 Saxony Road Encinitas, CA 92024 Full Service B&M $53,073
    ZB, National Association 1350 Parkway Drive #1 Blackfoot, ID 83221 Full Service B&M $69,071
    ZB, National Association 1380 South Federal Boulevard Denver, CO 80219 Full Service B&M $71,261
    ZB, National Association 13808 N. Sandario Road Marana, AZ 85653 Full Service B&M $30,299
    ZB, National Association 140 Civic Center Drive Vista, CA 92084 Full Service B&M $42,481
    ZB, National Association 1400 E Woolford Show Low, AZ 85901 Full Service B&M $117,959
    ZB, National Association 1400 East Southern Avenue Tempe, AZ 85282 Full Service B&M $149,381
    ZB, National Association 1401 Fairmont Parkway La Porte, TX 77571 Full Service B&M $48,464
    ZB, National Association 1432 East 3500 North Lehi, UT 84043 Full Service B&M $43,635
    ZB, National Association 144 West Brigham Road, Suite C Saint George, UT 84790 Full Service B&M $75,462
    ZB, National Association 1451 Solano Avenue Albany, CA 94706 Full Service B&M $72,217
    ZB, National Association 1460 S Boulder Hwy Henderson, NV 89015 Full Service B&M $74,251
    ZB, National Association 1470 W. Highway 89a Sedona, AZ 86336 Full Service B&M $56,605
    ZB, National Association 1483 Newpark Blvd. Park City, UT 84098 Full Service B&M $172,633
    ZB, National Association 149 West Main Street Rexburg, ID 83440 Full Service B&M $67,206
    ZB, National Association 150 South Fort Lane Layton, UT 84041 Full Service B&M $67,791
    ZB, National Association 1500 Willow Creek Prescott, AZ 86301 Full Service B&M $84,761
    ZB, National Association 1501 West Warm Springs Road Henderson, NV 89014 Full Service B&M $72,160
    ZB, National Association 1525 College Pkwy Carson City, NV 89706 Full Service B&M $56,070
    ZB, National Association 1533 North Redwood Road Saratoga Springs, UT 84045 Full Service B&M $58,981
    ZB, National Association 154 South Mcculloch Boulevard Pueblo West, CO 81007 Full Service B&M $40,770
    ZB, National Association 155 North Lake, Suite 100 Pasadena, CA 91101 Full Service B&M $49,443
    ZB, National Association 155 West Main Street Salina, UT 84654 Full Service B&M $44,960
    ZB, National Association 156 North 200 East Roosevelt, UT 84066 Full Service B&M $138,801
    ZB, National Association 159 West Center Street Midvale, UT 84047 Full Service B&M $51,122
    ZB, National Association 1590 Yellowstone Pocatello, ID 83201 Full Service B&M $88,008
    ZB, National Association 16008 E Foothill Blvd # 14 Irwindale, CA 91702 Full Service B&M $23,841
    ZB, National Association 16041 Goldenwest Street Huntington Beach, CA 92647 Full Service B&M $128,857
    ZB, National Association 16130 Ventura Boulevard Encino, CA 91436 Full Service B&M $152,762
    ZB, National Association 1622 West South Jordan Parkway South Jordan, UT 84095 Full Service B&M $218,450
    ZB, National Association 1635 South Redwood Road Salt Lake City, UT 84104 Full Service B&M $37,746
    ZB, National Association 1650 South Colorado Boulevard Denver, CO 80222 Full Service B&M $44,364
    ZB, National Association 1656 Highway 395 Minden, NV 89423 Full Service B&M $65,924
    ZB, National Association 1663 North Main Farmington, UT 84025 Full Service B&M $93,837
    ZB, National Association 16796 Bernardo Center Drive San Diego, CA 92128 Full Service B&M $60,089
    ZB, National Association 1687 South Azusa Avenue Hacienda Heights, CA 91745 Full Service B&M $92,796
    ZB, National Association 1690 South El Camino Real San Mateo, CA 94402 Full Service B&M $114,024
    ZB, National Association 16912 Via De Santa Fe Rancho Santa Fe, CA 92067 Full Service B&M $325
    ZB, National Association 1696 Post Street San Francisco, CA 94115 Full Service B&M $77,403
    ZB, National Association 1700 Pearl Street Boulder, CO 80302 Full Service B&M $245,294
    ZB, National Association 17046 Stuebner Airline Road Spring, TX 77379 Full Service B&M $158,260
    ZB, National Association 1717 West Loop South, Floor 1 Houston, TX 77027 Full Service B&M $3,883,314
    ZB, National Association 330 South Main Street Moab, UT 84532 Full Service B&M $83,510
    ZB, National Association 17602 Southwest Fwy Sugar Land, TX 77479 Full Service B&M $817,517
    ZB, National Association 17752 East Seventeenth Street Tustin, CA 92780 Full Service B&M $421,294
    ZB, National Association 1781 West Antelope Drive Layton, UT 84041 Full Service B&M $56,509
    ZB, National Association 180 North University Avenue Provo, UT 84601 Full Service B&M $226,222
    ZB, National Association 1800 Arden Way Sacramento, CA 95815 Full Service B&M $52,325
    ZB, National Association 1801 Main Street Houston, TX 77002 Limited, Drive-thru $20,611
    ZB, National Association 1820 East White Mountain Pinetop, AZ 85935 Full Service B&M $39,814
    ZB, National Association 1835 West 7800 South West Jordan, UT 84088 Full Service B&M $138,219
    ZB, National Association 1855 West Wendover Boulevard West Wendover, NV 89883 Full Service Retail $16,353
    ZB, National Association 1863 Blue Lakes Blvd. North Twin Falls, ID 83301 Full Service B&M $74,247
    ZB, National Association 19 West Main Duchesne, UT 84021 Full Service B&M $37,062
    ZB, National Association 190 Damonte Ranch Parkway Reno, NV 89521 Full Service B&M $65,693
    ZB, National Association 190 North Main Street Spanish Fork, UT 84660 Full Service B&M $163,127
    ZB, National Association 1900 Avenue Of The Stars Los Angeles, CA 90067 Full Service B&M $1,868
    ZB, National Association 1900 Main Street, Suite 100 Irvine, CA 92614 Full Service B&M $782,817
    ZB, National Association 1901 North Central Expressway Richardson, TX 75080 Full Service B&M $28,367
    ZB, National Association 19134 Stone Oak Parkway San Antonio, TX 78247 Full Service B&M $39,067
    ZB, National Association 1921 N. Rainbow Boulevard Las Vegas, NV 89108 Full Service B&M $100,593
    ZB, National Association 1930 Country Place Pkwy Pearland, TX 77584 Full Service B&M $15,169
    ZB, National Association 1930 West Sunset Boulevard Saint George, UT 84770 Full Service B&M $101,087
    ZB, National Association 1952 East Pecos Road Gilbert, AZ 85295 Full Service B&M $54,875
    ZB, National Association 1955 West 120th Avenue Westminster, CO 80234 Full Service B&M $27,969
    ZB, National Association 1979 Highway 95, Suite #15 Bullhead City, AZ 86442 Full Service B&M $36,453
    ZB, National Association 1985 East River Road, Suite 121 Tucson, AZ 85718 Full Service B&M $102,910
    ZB, National Association 1990 Tenth Avenue West Broomfield, CO 80020 Full Service B&M $33,268
    ZB, National Association 20 East Main Street Delta, UT 84624 Full Service B&M $74,944
    ZB, National Association 20 North Main Heber City, UT 84032 Full Service B&M $135,205
    ZB, National Association 200 West 1st Street Pueblo, CO 81003 Full Service B&M $74,894
    ZB, National Association 2000 East 20th Street Farmington, NM 87401 Full Service B&M $57,801
    ZB, National Association 2000 Spring Cypress Road Spring, TX 77388 Full Service B&M $98,930
    ZB, National Association 201 North Montezuma Street, Suite 100 Prescott, AZ 86301 Full Service B&M $142,966
    ZB, National Association 2011 Ken Pratt Boulevard Longmont, CO 80501 Full Service B&M $17,229
    ZB, National Association 2014 West Craig Road North Las Vegas, NV 89032 Full Service B&M $58,609
    ZB, National Association 2017 N. Nellis Blvd. Las Vegas, NV 89115 Full Service B&M $44,856
    ZB, National Association 20401 East Valley Boulevard Walnut, CA 91789 Full Service B&M $44,465
    ZB, National Association 20428 North 27th Avenue Phoenix, AZ 85027 Full Service B&M $111,029
    ZB, National Association 20541 Stevens Creek Boulevard Cupertino, CA 95014 Full Service B&M $102,753
    ZB, National Association 20800 Eva Street Montgomery, TX 77356 Full Service B&M $55,679
    ZB, National Association 2105 Taylor Street Houston, TX 77007 Full Service B&M $64,793
    ZB, National Association 2107 South Atlantic Boulevard Monterey Park, CA 91754 Full Service B&M $176,831
    ZB, National Association 21070 North Pima Road Scottsdale, AZ 85255 Full Service B&M $66,585
    ZB, National Association 211 N. Leroux Flagstaff, AZ 86001 Full Service B&M $161,359
    ZB, National Association 2121 W. Karcher Road Nampa, ID 83651 Full Service B&M $47,233
    ZB, National Association 2125 West Davis Street Conroe, TX 77304 Full Service B&M $71,402
    ZB, National Association 2137 East 9400 South Sandy, UT 84093 Full Service B&M $111,646
    ZB, National Association 215 Fm 517 West Dickinson, TX 77539 Full Service B&M $49,868
    ZB, National Association 21515 Hawthorne Boulevard, Suite 100 Torrance, CA 90503 Full Service B&M $189,786
    ZB, National Association 2155 Resort Drive Steamboat Springs, CO 80487 Full Service B&M $70,138
    ZB, National Association 218 E Valley Rd Ste 108 Carbondale, CO 81623 Full Service B&M $24,214
    ZB, National Association 218 East Parkwood Avenue Friendswood, TX 77546 Full Service B&M $35,990
    ZB, National Association 21800 Burbank Boulevard, Suite 160 Woodland Hills, CA 91367 Full Service B&M $75,845
    ZB, National Association 219 East Main Street Rigby, ID 83442 Full Service B&M $101,259
    ZB, National Association 219 North Fourth Street Buckeye, AZ 85326 Full Service B&M $82,781
    ZB, National Association 2200 South Highland Drive Salt Lake City, UT 84106 Full Service B&M $125,863
    ZB, National Association 2204 West Main League City, TX 77573 Full Service B&M $79,064
    ZB, National Association 2222 South Shaver Pasadena, TX 77502 Full Service B&M $30,556
    ZB, National Association 225 South Main Street Pleasant Grove, UT 84062 Full Service B&M $99,796
    ZB, National Association 2250 Alpine Boulevard Alpine, CA 91901 Full Service B&M $133,575
    ZB, National Association 2284 North Washington Boulevard North Ogden, UT 84414 Full Service B&M $48,523
    ZB, National Association 230 East Valley Boulevard Alhambra, CA 91801 Full Service B&M $65,851
    ZB, National Association 230 Las Vegas Boulevard Las Vegas, NV 89101 Full Service B&M $114,815
    ZB, National Association 2302 Washington Boulevard Ogden, UT 84401 Full Service B&M $115,423
    ZB, National Association 2303 West Holcombe Blvd., Suite 100 Houston, TX 77030 Full Service B&M $199,893
    ZB, National Association 233 East Central Street Monticello, UT 84535 Full Service B&M $25,485
    ZB, National Association 23593 Commerce Avenue Porter, TX 77365 Full Service B&M $44,913
    ZB, National Association 23840 Lake Drive Crestline, CA 92325 Full Service B&M $30,211
    ZB, National Association 2394 Patterson Rd Grand Junction, CO 81505 Full Service B&M $29,034
    ZB, National Association 24 Plaza Loop Morenci, AZ 85540 Full Service B&M $43,402
    ZB, National Association 24012 Calle De La Plata, #140 Laguna Hills, CA 92653 Full Service B&M $72,948
    ZB, National Association 24034 Camino Del Avion Monarch Beach, CA 92629 Full Service B&M $128,152
    ZB, National Association 2415 South Avenue A Yuma, AZ 85364 Full Service B&M $89,071
    ZB, National Association 2460 Marina Bay Drive League City, TX 77573 Full Service B&M $52,441
    ZB, National Association 2483 Wingfield Hills Road Sparks, NV 89436 Full Service B&M $1,711
    ZB, National Association 25 E Main Enterprise, UT 84725 Full Service B&M $34,300
    ZB, National Association 25 North Main Street Florence, AZ 85132 Full Service B&M $52,347
    ZB, National Association 25 South Highway 92 Sierra Vista, AZ 85635 Full Service B&M $136,861
    ZB, National Association 25 South Willow Street Jackson Hole, WY 83001 Full Service B&M $37,032
    ZB, National Association 250 Highway 95a Fernley, NV 89408 Full Service B&M $63,381
    ZB, National Association 2501 North Harwood Street Dallas, TX 75201 Full Service B&M $334,479
    ZB, National Association 2501 Palomar Airport Road Carlsbad, CA 92011 Full Service B&M $120,763
    ZB, National Association 2540 East Sunnyside Road Ammon, ID 83406 Full Service B&M $108,348
    ZB, National Association 2555 N Wolf Creek Drive Eden, UT 84310 Full Service Retail $27,718
    ZB, National Association 2595 West Lake Houston Parkway Kingwood, TX 77339 Full Service B&M $35,154
    ZB, National Association 2601 Dallas Parkway Plano, TX 75093 Full Service B&M $24,937
    ZB, National Association 2638 East Route 66 Flagstaff, AZ 86004 Full Service B&M $17,043
    ZB, National Association 2696 Broadway Boulder, CO 80304 Full Service B&M $40,383
    ZB, National Association 2775 Via De La Valle Del Mar, CA 92014 Full Service B&M $126,418
    ZB, National Association 279 West State Street Hurricane, UT 84737 Full Service B&M $115,194
    ZB, National Association 280 Fm 306 New Braunfels, TX 78130 Full Service B&M $5,079
    ZB, National Association 28200 State Highway 189, Suite K100 Lake Arrowhead, CA 92352 Full Service B&M $30,549
    ZB, National Association 28201 State Hwy 249 Tomball, TX 77375 Full Service B&M $122,216
    ZB, National Association 2825 North Glasford Hill Road Prescott Valley, AZ 86314 Full Service B&M $81,919
    ZB, National Association 284 S Highway 165 Providence, UT 84332 Full Service B&M $80,665
    ZB, National Association 2860 W. Centennial North Las Vegas, NV 89084 Full Service B&M $34,209
    ZB, National Association 28801 Los Angeles Avenue Wellton, AZ 85356 Full Service B&M $47,778
    ZB, National Association 29124 Valley Center Road Valley Center, CA 92082 Full Service B&M $111,759
    ZB, National Association 2915 Moiuntain City Highway Elko, NV 89801 Full Service B&M $57,521
    ZB, National Association 2929 North Central Avenue, Suite 120 Phoenix, AZ 85012 Full Service B&M $166,190
    ZB, National Association 2940 Arizona Highway 260 Overgaard, AZ 85933 Full Service B&M $33,857
    ZB, National Association 2950 West 3500 South West Valley City, UT 84119 Full Service B&M $86,080
    ZB, National Association 2997 Thain Gande Lewiston, ID 83501 Full Service B&M $38,495
    ZB, National Association 3 South Main Street Cedar City, UT 84720 Full Service B&M $94,399
    ZB, National Association 3 West Main Street Vernal, UT 84078 Full Service B&M $132,110
    ZB, National Association 300 Broadway Millbrae, CA 94030 Full Service B&M $117,842
    ZB, National Association 3014 Monticello Dallas, TX 75205 Full Service B&M $24,993
    ZB, National Association 3020 Interstate 45 Nouth Conroe, TX 77303 Full Service B&M $45,506
    ZB, National Association 3020 S. Mason Road Katy, TX 77450 Full Service B&M $68,020
    ZB, National Association 305 North Nellis Blvd. Ste110 Las Vegas, NV 89110 Full Service B&M $33,261
    ZB, National Association 310 South Main Street Salt Lake City, UT 84101 Full Service B&M $700,648
    ZB, National Association 310 South Main, Suite 340 Salt Lake City, UT 84101 Full Service Cyber Office $1,669,644
    ZB, National Association 311 North Main Ketchum, ID 83340 Full Service B&M $38,509
    ZB, National Association 314 West Route 66 Avenue Williams, AZ 86046 Full Service B&M $58,320
    ZB, National Association 315 Avenue A Wilder, ID 83676 Full Service B&M $29,690
    ZB, National Association 3150 San Carlos Trail Frazier Park, CA 93225 Full Service B&M $39,295
    ZB, National Association 3166 Hwy 82, Suite 3 Sonoita, AZ 85637 Full Service B&M $34,603
    ZB, National Association 31924 Crown Valley Road Acton, CA 93510 Full Service B&M $41,040
    ZB, National Association 32221 Camino Capistrano San Juan Capistrano, CA 92675 Full Service B&M $41,856
    ZB, National Association 3250 Wilshire Boulevard Los Angeles, CA 90010 Full Service B&M $50,613
    ZB, National Association 32927 Fm 2978 Magnolia, TX 77354 Full Service B&M $26,810
    ZB, National Association 33 South Main Street Kaysville, UT 84037 Full Service B&M $95,342
    ZB, National Association 3300 West 72nd Avenue Westminster, CO 80030 Full Service B&M $49,937
    ZB, National Association 3310 South 2300 East Salt Lake City, UT 84109 Full Service Retail $96,257
    ZB, National Association 3328 School Street Needville, TX 77461 Full Service B&M $53,617
    ZB, National Association 3345 South Maryland Parkway Las Vegas, NV 89109 Full Service B&M $129,016
    ZB, National Association 335 North Wilmot Road Tucson, AZ 85711 Full Service B&M $346,460
    ZB, National Association 34 East Main Weiser, ID 83672 Full Service B&M $68,043
    ZB, National Association 340 East Main Street Tremonton, UT 84337 Full Service B&M $44,173
    ZB, National Association 3400 Ave H Rosenberg, TX 77471 Full Service B&M $160,300
    ZB, National Association 3480 West Sahara Avenue Las Vegas, NV 89102 Full Service B&M $121,028
    ZB, National Association 350 West Montezuma Avenue Cortez, CO 81321 Full Service B&M $114,368
    ZB, National Association 3600 Quebec Street Denver, CO 80207 Full Service B&M $24,068
    ZB, National Association 361 West Highway 24 Woodland Park, CO 80863 Full Service B&M $103,253
    ZB, National Association 3628 West 13400 South Riverton, UT 84065 Full Service B&M $115,308
    ZB, National Association 365 E Esplanade Drive Oxnard, CA 93036 Full Service B&M $49,351
    ZB, National Association 3688 South Jones Boulevard Las Vegas, NV 89103 Full Service B&M $150,965
    ZB, National Association 3715 East Overland Road, Ste 130 Meridian, ID 83642 Full Service B&M $53,207
    ZB, National Association 3737 Fifth Avenue San Diego, CA 92103 Full Service B&M $162,503
    ZB, National Association 3780 E. Flamingo Road Las Vegas, NV 89121 Full Service B&M $65,165
    ZB, National Association 3787 Avocado Boulevard La Mesa, CA 91941 Full Service B&M $91,944
    ZB, National Association 3810 Crenshaw Boulevard Los Angeles, CA 90008 Full Service B&M $50,390
    ZB, National Association 3825 Stockton Hill Road Kingman, AZ 86409 Full Service B&M $125,366
    ZB, National Association 3880 South 700 East Salt Lake City, UT 84106 Full Service B&M $151,124
    ZB, National Association 3901 Red Bluff Road Pasadena, TX 77503 Full Service B&M $36,392
    ZB, National Association 3911 Hwy 3 Dickinson, TX 77539 Full Service B&M $65,545
    ZB, National Association 3913 West 9000 South West Jordan, UT 84088 Full Service B&M $71,482
    ZB, National Association 39315 Fremont Boulevard Fremont, CA 94538 Full Service B&M $82,744
    ZB, National Association 40 East Saint George Boulevard St. George, UT 84770 Full Service B&M $213,109
    ZB, National Association 400 20th Street Oakland, CA 94612 Full Service B&M $117,924
    ZB, National Association 400 North Green Valley Parkway Henderson, NV 89014 Full Service B&M $109,541
    ZB, National Association 400 North Sam Houston Parkway East Houston, TX 77060 Full Service B&M $128,305
    ZB, National Association 4001 East Sunset Road Henderson, NV 89014 Full Service B&M $94,844
    ZB, National Association 401 East Speer Boulevard Denver, CO 80202 Full Service B&M $35,684
    ZB, National Association 4021 Highway 146 Bacliff, TX 77518 Full Service B&M $75,962
    ZB, National Association 4040 East Camelback Road, Suite 100 Phoenix, AZ 85018 Full Service B&M $115,953
    ZB, National Association 4040 West Northern Pueblo, CO 81005 Full Service B&M $66,899
    ZB, National Association 408 Sixth Street Wells, NV 89835 Full Service B&M $16,841
    ZB, National Association 41 East Center Street Kanab, UT 84741 Full Service B&M $68,126
    ZB, National Association 4135 West 5415 South Kearns, UT 84118 Full Service B&M $65,032
    ZB, National Association 4151 E 136th Avenue Thornton, CO 80602 Full Service B&M $39,485
    ZB, National Association 41615 Winchester Road Temecula, CA 92590 Full Service B&M $96,275
    ZB, National Association 42024 North 50th Street West Quartz Hill, CA 93536 Full Service B&M $35,320
    ZB, National Association 426 5th Street Safford, AZ 85546 Full Service B&M $75,919
    ZB, National Association 4267 South Carson Street Carson City, NV 89701 Full Service B&M $60,144
    ZB, National Association 4305 University Avenue, Ste. 100 San Diego, CA 92105 Full Service B&M $14,181
    ZB, National Association 4320 La Jolla Village Drive, Ste 100 San Diego, CA 92122 Full Service B&M $554,621
    ZB, National Association 440 West Parrish Lane Centerville, UT 84014 Full Service B&M $97,605
    ZB, National Association 444 Third Avenue Chula Vista, CA 91910 Full Service B&M $62,102
    ZB, National Association 444 West Ocean Boulevard Long Beach, CA 90802 Full Service B&M $68,311
    ZB, National Association 45 South Carbon Avenue Price, UT 84501 Full Service B&M $86,911
    ZB, National Association 4500 Fairmont Parkway Pasadena, TX 77504 Full Service B&M $59,021
    ZB, National Association 455 East South Temple Salt Lake City, UT 84111 Full Service B&M $95,066
    ZB, National Association 4576 Research Forest Drive The Woodlands, TX 77381 Full Service B&M $231,727
    ZB, National Association 462 West 800 North Orem, UT 84057 Full Service B&M $248,752
    ZB, National Association 4641 South 2300 East Holladay, UT 84117 Full Service B&M $182,469
    ZB, National Association 465 California Street San Francisco, CA 94104 Full Service B&M $358,847
    ZB, National Association 4650 Belt Line Rd. Addison, TX 75001 Full Service B&M $20,708
    ZB, National Association 4676 S Highway 95 Fort Mohave, AZ 86426 Full Service B&M $26,137
    ZB, National Association 4753 West Daybreak Parkway South Jordan, UT 84095 Full Service B&M $38,261
    ZB, National Association 481 South Highway 89 Chino Valley, AZ 86323 Full Service B&M $70,056
    ZB, National Association 487 Railroad Street Elko, NV 89801 Full Service B&M $68,403
    ZB, National Association 488 North Main Street Logan, UT 84321 Full Service B&M $169,932
    ZB, National Association 4911 Fm 1960 West Houston, TX 77069 Full Service B&M $70,191
    ZB, National Association 4970 East Tropicana Avenue Las Vegas, NV 89121 Full Service B&M $63,505
    ZB, National Association 498 West Williams Avenue Fallon, NV 89406 Full Service B&M $26,322
    ZB, National Association 499 28 1/4 Road Grand Junction, CO 81501 Full Service B&M $22,634
    ZB, National Association 5 North Main Street Bountiful, UT 84010 Full Service B&M $215,185
    ZB, National Association 5 South Main Street Coalville, UT 84017 Full Service B&M $55,005
    ZB, National Association 500 East Prater Way Sparks, NV 89431 Full Service B&M $105,651
    ZB, National Association 500 North State College Blvd., Ste 150 Orange, CA 92868 Full Service B&M $65,737
    ZB, National Association 502 Main Street Gooding, ID 83330 Full Service B&M $38,228
    ZB, National Association 5050 Broadway Englewood, CO 80110 Full Service B&M $53,094
    ZB, National Association 508 East Main Street Cortez, CO 81321 Full Service Retail $7,308
    ZB, National Association 509 South Kimball Ave. Caldwell, ID 83605 Full Service B&M $50,564
    ZB, National Association 51 North Main Street Huntington, UT 84528 Full Service B&M $13,373
    ZB, National Association 515 North First Street San Jose, CA 95112 Full Service B&M $153,722
    ZB, National Association 520 Capitol Mall, Suite 100 Sacramento, CA 95814 Full Service B&M $161,716
    ZB, National Association 5240 North Palm Avenue Fresno, CA 93704 Full Service B&M $131,084
    ZB, National Association 525 B Street, Ste 100 San Diego, CA 92101 Full Service B&M $336,812
    ZB, National Association 5255 Geary Boulevard San Francisco, CA 94118 Full Service B&M $61,070
    ZB, National Association 5301 Bissonnet Street Bellaire, TX 77401 Full Service B&M $51,679
    ZB, National Association 534 East Hyman Aspen, CO 81611 Full Service B&M $142,479
    ZB, National Association 5360 N. La Cholla Boulevard Tucson, AZ 85741 Full Service B&M $42,657
    ZB, National Association 5362 Greenwood Plaza Boulevard Greenwood Village, CO 80111 Full Service B&M $55,170
    ZB, National Association 538 E. 16th Street Yuma, AZ 85365 Full Service B&M $94,729
    ZB, National Association 540 W. Wickenburg Way Wickenburg, AZ 85390 Full Service B&M $42,872
    ZB, National Association 5408 Broadway San Antonio, TX 78209 Full Service B&M $27,782
    ZB, National Association 5455 Riverside Drive Chino, CA 91710 Full Service B&M $55,824
    ZB, National Association 5471 Orangethorpe Avenue La Palma, CA 90623 Full Service B&M $100,262
    ZB, National Association 5482 South Redwood Road Taylorsville, UT 84123 Full Service B&M $78,191
    ZB, National Association 55 West 100 North Richfield, UT 84701 Full Service B&M $98,395
    ZB, National Association 550 South Hope Street, Suite 100 Los Angeles, CA 90071 Full Service B&M $773,274
    ZB, National Association 5500 Grossmont Center Drive, Ste 408 La Mesa, CA 91942 Full Service B&M $402,939
    ZB, National Association 5547 South Rainbow Boulevard Las Vegas, NV 89118 Full Service B&M $156
    ZB, National Association 5555 East Main Street Mesa, AZ 85205 Full Service B&M $63,436
    ZB, National Association 5595 South State Street Murray, UT 84107 Full Service B&M $226,878
    ZB, National Association 563 West Finney Flats Road Camp Verde, AZ 86322 Full Service B&M $42,681
    ZB, National Association 5635 South Harrison Blvd. South Ogden, UT 84403 Full Service B&M $90,459
    ZB, National Association 568 Spring Valley Court Spring Creek, NV 89815 Full Service B&M $15,254
    ZB, National Association 570 Kingwood Drive Kingwood, TX 77339 Full Service B&M $69,199
    ZB, National Association 5720 South Ft. Apache Las Vegas, NV 89148 Full Service B&M $71,633
    ZB, National Association 5774 South 1900 West Roy, UT 84067 Full Service B&M $48,834
    ZB, National Association 58 South Lake Powell Boulevard Page, AZ 86040 Full Service B&M $95,698
    ZB, National Association 5820 Highway 6 Missouri City, TX 77459 Full Service B&M $54,916
    ZB, National Association 5840 W. Craig Road, Suite 140 Las Vegas, NV 89130 Full Service B&M $54,288
    ZB, National Association 6001 North 24th Street Phoenix, AZ 85016 Full Service B&M $429,154
    ZB, National Association 601 Union Street, Suite 3600 Seattle, WA 98101 Full Service B&M $1,055,446
    ZB, National Association 606 East State Road American Fork, UT 84003 Full Service B&M $113,145
    ZB, National Association 613 West Valley Parkway Escondido, CA 92025 Full Service B&M $167,525
    ZB, National Association 6176 North Eagle Boise, ID 83713 Full Service B&M $64,216
    ZB, National Association 620 East Main Street Lehi, UT 84043 Full Service B&M $99,663
    ZB, National Association 625 West 4th Street Benson, AZ 85602 Full Service B&M $57,657
    ZB, National Association 6310 Lemmon Avenue, Suite 100 Dallas, TX 75209 Full Service B&M $99,616
    ZB, National Association 6313 Mission Gorge Road San Diego, CA 92120 Full Service B&M $77,441
    ZB, National Association 6500 Wilshire Boulevard Los Angeles, CA 90048 Full Service B&M $91,054
    ZB, National Association 6505 N. Buffalo Drive Las Vegas, NV 89131 Full Service B&M $78,217
    ZB, National Association 6510 S Big Cottonwood Canyon Road Holladay, UT 84121 Full Service B&M $145,865
    ZB, National Association 6611 Highway 6 North Houston, TX 77084 Full Service Retail $43,723
    ZB, National Association 6702 South Potomac Street Centennial, CO 80112 Full Service B&M $17,661
    ZB, National Association 675 Carlsbad Village Drive Carlsbad, CA 92008 Full Service B&M $88,304
    ZB, National Association 6823 W Northwest Hwy Dallas, TX 75225 Full Service B&M $108,064
    ZB, National Association 685 South Main Street Smithfield, UT 84335 Full Service B&M $72,745
    ZB, National Association 6901 South Pierce St Littleton, CO 80128 Full Service B&M $39,583
    ZB, National Association 700 West El Camino Real Mountain View, CA 94040 Full Service B&M $99,404
    ZB, National Association 7000 East Mayo Boulevard, Bldg. 7 Phoenix, AZ 85054 Full Service B&M $55,924
    ZB, National Association 701 East 4th South Street Salt Lake City, UT 84102 Full Service B&M $122,059
    ZB, National Association 7015 South Highland Drive Cottonwood Heights, UT 84121 Full Service Retail $146,793
    ZB, National Association 7030 S. Durango Drive Las Vegas, NV 89113 Full Service B&M $65,741
    ZB, National Association 7031 Fm 1960 East Humble, TX 77346 Full Service B&M $31,754
    ZB, National Association 7060 North Fresno Street Fresno, CA 93720 Full Service B&M $301,721
    ZB, National Association 717 South River Road Saint George, UT 84790 Full Service B&M $111,868
    ZB, National Association 7201 South Land Park Drive Sacramento, CA 95831 Full Service B&M $74,943
    ZB, National Association 7202 East Carefree Drive Carefree, AZ 85377 Full Service B&M $40,804
    ZB, National Association 723 Rollingbrook Drive Baytown, TX 77521 Limited, Drive-thru $0
    ZB, National Association 73301 Highway 111 Palm Desert, CA 92260 Full Service B&M $56,700
    ZB, National Association 7375 East Doubletree Ranch Road Scottsdale, AZ 85258 Full Service B&M $178,869
    ZB, National Association 7390 North Academy Boulevard Colorado Springs, CO 80920 Full Service B&M $18,333
    ZB, National Association 7391 West 38th Avenue Wheat Ridge, CO 80033 Full Service B&M $37,896
    ZB, National Association 747 South Grass Valley Road Winnemucca, NV 89445 Full Service B&M $38,280
    ZB, National Association 748 Rancho Vista Boulevard, Suite C Palmdale, CA 93550 Full Service B&M $39,216
    ZB, National Association 750 East Warm Springs Road Las Vegas, NV 89119 Full Service B&M $766,092
    ZB, National Association 759 W 400 S Springville, UT 84663 Full Service B&M $31,497
    ZB, National Association 7601 N Oracle Rd. Oro Valley, AZ 85704 Full Service B&M $49,272
    ZB, National Association 7620 South Union Park Avenue Midvale, UT 84047 Full Service B&M $115,413
    ZB, National Association 775 East Birch Street Brea, CA 92821 Full Service B&M $35,889
    ZB, National Association 785 Southland Drive Hayward, CA 94545 Full Service B&M $66,812
    ZB, National Association 787 North Redwood Road Salt Lake City, UT 84116 Full Service B&M $36,451
    ZB, National Association 80 East 1st North Payson, UT 84651 Full Service B&M $79,640
    ZB, National Association 800 Town And Country Blvd., Suite 110 Houston, TX 77024 Full Service B&M $66,657
    ZB, National Association 800 West Main Street Suite 100 Boise, ID 83702 Full Service B&M $97,218
    ZB, National Association 801 Grand Ave Glenwood Springs, CO 81601 Full Service B&M $11,061
    ZB, National Association 80250 Hwy 111, Space C101 Indio, CA 92201 Full Service B&M $57,243
    ZB, National Association 804 South Beeline Highway Payson, AZ 85541 Full Service B&M $88,254
    ZB, National Association 811 S. Dill Street East Bernard, TX 77435 Full Service B&M $32,573
    ZB, National Association 815 Walker St Houston, TX 77002 Full Service B&M $292,003
    ZB, National Association 8252 Clairemont Mesa Blvd San Diego, CA 92111 Full Service B&M $30,535
    ZB, National Association 8260 West Sahara Las Vegas, NV 89117 Full Service B&M $117,867
    ZB, National Association 831 West Lancaster Boulevard Lancaster, CA 93534 Full Service B&M $207,740
    ZB, National Association 8375 West 3500 South Magna, UT 84044 Full Service B&M $42,288
    ZB, National Association 8400 West Lake Mead Boulevard Las Vegas, NV 89128 Full Service B&M $159,019
    ZB, National Association 8525 Wurzbach Road San Antonio, TX 78240 Full Service B&M $43,323
    ZB, National Association 860 West Cleveland, Unit #2 Saint Johns, AZ 85936 Full Service B&M $5,409
    ZB, National Association 865 West Telegraph Road Washington, UT 84780 Full Service B&M $69,615
    ZB, National Association 8665 Cypress Waters Blvd. Irving, TX 75063 Full Service B&M $23,507
    ZB, National Association 870 North Highway 89 North Salt Lake, UT 84054 Full Service B&M $153,834
    ZB, National Association 890 Camino Del Rio Durango, CO 81301 Full Service B&M $15,667
    ZB, National Association 8955 South And 700 East Sandy, UT 84070 Full Service B&M $87,341
    ZB, National Association 899 Frostwood Drive Houston, TX 77024 Full Service B&M $50,685
    ZB, National Association 90 East Center Street Panguitch, UT 84759 Full Service B&M $40,322
    ZB, National Association 90 West Central Eagar, AZ 85925 Full Service B&M $61,953
    ZB, National Association 901 North Main Street Eureka, NV 89316 Full Service B&M $57,718
    ZB, National Association 902 Washington Street Montpelier, ID 83254 Full Service B&M $61,192
    ZB, National Association 909 Nw 16th Street, Suite B Fruitland, ID 83619 Full Service B&M $31,276
    ZB, National Association 910 West 21st South Salt Lake City, UT 84119 Full Service B&M $137,199
    ZB, National Association 919 Avenue C Katy, TX 77493 Full Service B&M $51,299
    ZB, National Association 921 Zion Park Boulevard Springdale, UT 84767 Full Service B&M $6,199
    ZB, National Association 925 Highland Pointe Drive Ste 100 Roseville, CA 95678 Full Service B&M $36,630
    ZB, National Association 9305 South Cimmaron Road Las Vegas, NV 89178 Full Service B&M $4,700
    ZB, National Association 9415 W Flamingo Road Las Vegas, NV 89147 Full Service B&M $66,498
    ZB, National Association 9590 Foothill Boulevard Rancho Cucamonga, CA 91730 Full Service B&M $67,074
    ZB, National Association 975 West 1700 South Syracuse, UT 84075 Full Service B&M $33,194
    ZB, National Association 978 San Marcos Boulevard San Marcos, CA 92078 Full Service B&M $89,767
    ZB, National Association 98 North Main Street Brigham City, UT 84302 Full Service B&M $63,666
    ZB, National Association 9878 West Camelback Road Glendale, AZ 85305 Full Service B&M $76,496
    ZB, National Association 9935 South Eastern Avenue Las Vegas, NV 89183 Full Service B&M $65,429
    ZB, National Association 998 North Main Tooele, UT 84074 Full Service B&M $60,755
    ZB, National Association 9990 Commons Street Lone Tree, CO 80124 Full Service B&M $10,633

    For 2018, Zions Bank had 436 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $2,493,024
    Net interest income $2,242,626
    Total noninterest income $540,158
    Gross Fiduciary activities income $33,005
    Service charges on deposit accounts $171,819
    Trading account gains and fees $33,282
    Additional Noninterest Income $302,052
    Pre-tax net operating income $1,143,707
    Securities gains (or losses, -) $65
    Income before extraordinary items $884,528
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $884,528
    Minority interest net income $0
    Net income $884,528
    Sale, conversion, retirement of capital stock, net $-637,964
    Net operating income $884,476

    Zions Bank's gross interest income from loans was $2,493,024,000.
    Zions Bank's net interest income from loans was $2,242,626,000.
    Zions Bank's fee based income from loans was $171,819,000.
    Zions Bank's net income from loans was $884,528,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $250,398
    Provision for credit losses $-38,652
    Total noninterest expense $1,677,729
    Salaries and employee benefits $1,070,095
    Premises and equipment expense $221,349
    Additional noninterest expense $386,285
    Applicable income taxes $259,244
    Net charge-offs $-16,213
    Cash dividends $236,412

    Zions Bank's interest expense for loans was $250,398,000.
    Zions Bank's payroll and benefits expense were $1,070,095,000.
    Zions Bank's property, plant and equipment expenses $221,349,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.8%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $54,100,276
    Deposits held in domestic offices $54,100,276
    Deposits by Individuals, partnerships, and corporations $52,303,940
    Deposits by U.S. Government $37
    Deposits by States and political subdivisions in the U.S. $1,483,179
    Deposits by Commercial banks and other depository institutions in U.S. $313,120
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $5,167,052
    Demand deposits $3,927,956
    Nontransaction accounts $48,933,224
    Money market deposit accounts (MMDAs) $39,725,482
    Other savings deposits (excluding MMDAs) $4,872,143
    Total time deposits $4,335,599
    Total time and savings deposits $50,172,320
    Noninterest-bearing deposits $23,644,854
    Interest-bearing deposits $30,455,422
    Retail deposits $51,249,241
    IRAs and Keogh plan accounts $513,488
    Brokered deposits $2,243,755
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $68,745,745
    Cash & Balances due from depository institutions $1,231,922
    Interest-bearing balances $293,785
    Total securities $15,511,046
    Federal funds sold & reverse repurchase $1,461,011
    Net loans and leases $46,312,248
    Loan and leases loss allowance $495,322
    Trading account assets $150,120
    Bank premises and fixed assets $880,874
    Other real estate owned $4,430
    Goodwill and other intangibles $1,046,025
    All other assets $2,148,069

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $68,745,745
    Total Liabilities $61,167,328
    Total deposits $54,100,276
    Interest-bearing deposits $30,455,422
    Deposits held in domestic offices $54,100,276
    % insured (estimated) $56
    Federal funds purchased and repurchase agreements $1,067,991
    Trading liabilities $122,785
    Other borrowed funds $5,137,464
    Subordinated debt $86,738
    All other liabilities $652,074

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $46,312,248
    Loan and leases loss allowance $495,322
    Total loans and leases (domestic) $46,807,570
    All real estate loans $29,704,587
    Real estate loans in domestic offices $29,704,587
    Construction and development loans $3,140,395
    Residential 1-4 family construction $1,153,281
    Other construction, all land development and other land $1,987,114
    Loans secured by nonfarm nonresidential properties $14,196,665
    Nonfarm nonresidential secured by owner-occupied properties $7,072,261
    Commercial real estate & other non-farm, non-residential $7,124,404
    Multifamily residential real estate $1,690,422
    1-4 family residential loans $10,465,877
    Farmland loans $211,228
    Loans held in foreign offices $0
    Farm loans $276,575
    Commercial and industrial loans $12,044,297
    To non-U.S. addressees $88,589
    Loans to individuals $666,645
    Credit card loans $184,385
    Related Plans $306,413
    Consumer Auto Loans $87,569
    Other loans to individuals $88,278
    All other loans & leases $4,115,466
    Loans to foreign governments and official institutions $0
    Other loans $2,114,764
    Loans to depository institutions and acceptances of other banks $13,006
    Loans not secured by real estate $238,467
    Loans secured by real estate to non-U.S. addressees $7,485
    Restructured Loans & leases $109,642
    Non 1-4 family restructured loans & leases $57,791
    Total loans and leases (foreign) $0

    Zions Bank had $46,312,248,000 of loans outstanding in 2018. $29,704,587,000 of loans were in real estate loans. $3,140,395,000 of loans were in development loans. $1,690,422,000 of loans were in multifamily mortgage loans. $10,465,877,000 of loans were in 1-4 family mortgage loans. $276,575,000 of loans were in farm loans. $184,385,000 of loans were in credit card loans. $87,569,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 9,085 $2,782,626 $306,288
    Nonfarm, nonresidential loans - <$100k 476 $21,163 $44,460
    Nonfarm, nonresidential loans - $100-250k 2,197 $266,159 $121,147
    Nonfarm, nonresidential loans - $250k-1MM 6,412 $2,495,304 $389,162
    Commercial & Industrial, US addressed loans - <$1MM 42,694 $1,764,093 $41,319
    Commercial & Industrial, US addressed loans - <$100k 35,509 $378,276 $10,653
    Commercial & Industrial, US addressed loans - $100-250k 3,834 $349,824 $91,243
    Commercial & Industrial, US addressed loans - $250k-1MM 3,351 $1,035,993 $309,159
    Farmland loans - <$1MM 585 $56,012 $95,747
    Farmland loans - <$100k 139 $5,386 $38,748
    Farmland loans - $100-250k 259 $22,912 $88,463
    Farmland loans - $250k-1MM 187 $27,714 $148,203
    Agriculture operations loans - <$1MM 1,195 $72,605 $60,757
    Agriculture operations loans - <$100k 837 $18,862 $22,535
    Agriculture operations loans - $100-250k 226 $22,882 $101,248
    Agriculture operations loans - $250k-1MM 132 $30,861 $233,795