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 large bank specializing in 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, 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 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/28/24 |
| 30 Year Conventional Purchase | 6.38% | 4/28/24 |
| 30 Year Conventional Refi | 6.34% | 4/28/24 |
| 30 Year Cash-out Refi | 6.52% | 4/28/24 |
| 30 Year FHA Purchase | 7.08% | 4/28/24 |
| 30 Year VA Purchase | 6.12% | 4/28/24 |
| 30 Year USDA Purchase | 6.66% | 4/28/24 |
| 30 Year USDA Refi | 6.94% | 4/28/24 |
| 15 Year Conventional Purchase | 5.79% | 4/28/24 |
| 15 Year Conventional Refi | 5.89% | 4/28/24 |
| 15 Year Cash-out Refi | 5.89% | 4/28/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
16,665Origination Dollar Volume (All Markets)
$7,779,025,000Awards
Zions Bank - 2022
Zions Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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% |
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We use machine learning to identify the top lenders compared against Zions Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Zions Bank'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
For 2022, Zions Bank'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
For 2022, Zions Bank'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
Zions Bank'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
During 2022, Zions Bank'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
2022 saw Zions Bank place emphasis on $200k-400k loans with 4,165 originations, totaling $1,183,035,000 in origination value.
Applicant Income
Zions Bank 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
Zions Bank 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
Approval Rates
Total approvals of all applications70.69%
Zions Bank has a below average approval rate.
Pick Rate
Approvals leading to origination72.43%
Zions Bank 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
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ZIONS BANCORPORATION | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |