Lender profile · HMDA 2023–2025
Zions Bancorporation, N.A. mortgage approval rates & lending data
Zions Bancorporation, N.A. decided 31,739 mortgage applications and funded 16,516 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Montana | 82% | $995K | 11 | 5 |
| Wyoming | 62% | $495K | 8 | 4 |
| Michigan | 100% | $75K | 5 | 4 |
| Alabama | 100% | $465K | 4 | 3 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.