Zions Bancorporation, N.A. mortgage approval rate & lending review
Zions Bancorporation, N.A. decided 31,739 mortgage applications and funded 16,516 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Zions Bancorporation, N.A. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Zions Bancorporation, N.A. at a glance
Approval is 4.6 points below the 75.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 82% | 7,982 / 9,706 | 64% | $455K | 5,143 |
| Home improvement loans | 59% | 4,708 / 7,937 | 83% | $125K | 3,920 |
| Cash-out refinance | 69% | 1,479 / 2,150 | 60% | $255K | 889 |
| Refinance | 73% | 6,443 / 8,786 | 82% | $295K | 5,303 |
| Investment property purchase | 77% | 990 / 1,282 | 62% | $405K | 613 |
| Investment cash-out refinance | 64% | 391 / 609 | 57% | $275K | 222 |
| Investment refinance | 53% | 287 / 537 | 69% | $265K | 199 |
| Investment home improvement | 38% | 278 / 732 | 82% | $185K | 227 |
Zions Bancorporation, N.A. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 65% | $205K | 7,585 | 3,602 |
| California | 73% | $505K | 6,006 | 3,187 |
| Utah | 78% | $295K | 4,960 | 2,827 |
| Arizona | 68% | $205K | 4,479 | 2,214 |
| Nevada | 68% | $185K | 4,270 | 2,209 |
| Colorado | 73% | $355K | 2,781 | 1,548 |
| Idaho | 78% | $315K | 995 | 557 |
| Washington | 94% | $865K | 412 | 247 |
| New Mexico | 70% | $165K | 104 | 48 |
| Oregon | 87% | $595K | 71 | 40 |
| Florida | 79% | $335K | 24 | 3 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Zions Bancorporation, N.A. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Clark County, NV | Home improvement loans | 57% | 1,207 | 555 |
| Harris County, TX | Mortgage lenders | 83% | 996 | 545 |
| Harris County, TX | Refinance | 68% | 991 | 529 |
| Salt Lake County, UT | Refinance | 79% | 771 | 477 |
| Salt Lake County, UT | Mortgage lenders | 88% | 713 | 410 |
| Harris County, TX | Home improvement loans | 42% | 922 | 305 |
| Maricopa County, AZ | Home improvement loans | 63% | 488 | 258 |
| San Diego County, CA | Refinance | 77% | 386 | 252 |
| Maricopa County, AZ | Refinance | 71% | 414 | 246 |
| Salt Lake County, UT | Home improvement loans | 69% | 426 | 236 |
| Los Angeles County, CA | Refinance | 69% | 411 | 232 |
| Utah County, UT | Refinance | 77% | 341 | 217 |
The county markets where Zions Bancorporation, N.A. made the most loans. Each link opens that market with every lender ranked.
Questions about Zions Bancorporation, N.A.
What is Zions Bancorporation, N.A.'s mortgage approval rate?
Zions Bancorporation, N.A. approved 71.1% of the 31,739 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.6 points below the 75.7% national rate for the same mix of loan types.
How often do borrowers take the loan Zions Bancorporation, N.A. offers?
Borrowers accepted 73% of the loans Zions Bancorporation, N.A. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Zions Bancorporation, N.A. make?
The typical home purchase mortgage loan Zions Bancorporation, N.A. made was $455K; across all loan types its typical loan ran from $125K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Zions Bancorporation, N.A. lend?
Zions Bancorporation, N.A. decided applications in 31 of the states Fat Boy Data covers, most of them in Texas, California and Utah.
Can I apply to Zions Bancorporation, N.A. directly?
Yes. Zions Bancorporation, N.A. is a bank or credit union with 412 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Zions Bancorporation, N.A.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Zions Bancorporation, N.A. treats applications, then get a rate quote from the lender.