Lender in Utah · HMDA 2025
Zions Bancorporation, N.A. mortgages in Utah
Zions Bancorporation, N.A.'s 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Zions Bancorporation, N.A. originated 461 owner-occupied single-family loans in Utah from 822 completed applications, making it the state's #23 lender by volume.
Its median conventional purchase loan costs were $7,220 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.375% (Utah: 6.50%).
Loans in UT
461
of 822 applications
Denial rate
10.8%
Purchase · UT 6.5%
Rate spread
−0.14 pts
Conv. · UT +0.05 pts
Loan amount
$485,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 630 | 350 | 10.8% | 6.375% | −0.14 pts | $7,220 | $485,000 |
| Refinance | 112 | 69 | 12.5% | 6.125% | −0.26 pts | $4,910 | $475,000 |
| Cash-out refinance | 80 | 42 | 17.5% | 6.875% | +0.23 pts | $3,850 | $375,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Zions Bancorporation, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Rich County | 5 | 3 | 6.7% |
| Wasatch County | 6 | 28 | 3.9% |
| Grand County | 6 | 4 | 5.8% |
| Daggett County | 7 | 1 | 12.5% |
| San Juan County | 8 | 2 | 2.9% |
| Kane County | 9 | 4 | 3.5% |
| Summit County | 11 | 15 | 2.3% |
| Salt Lake County | 15 | 216 | 1.5% |
| Washington County | 17 | 44 | 1.2% |
| Garfield County | 20 | 1 | 1.5% |
| Cache County | 22 | 16 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology