Lenders › Zions Bancorporation, N.A. › California
Zions Bancorporation, N.A. in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Zions Bancorporation, N.A.'s 2024 HMDA record for California covers 3,129 applications, 1,608 of them originated, worth $1.1bn.
Its denial rate in the state was 30.8%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 33.1%.
The median rate spread on its California originations was -0.1 percentage points (state median 0.4).
Applications in the state were up 21% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Zions Bancorporation, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 30.8% | 24.8% | 33.1% | 24.3% |
| Median rate spread, pp | -0.1 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.5% | 19.9% | 8.7% | 15.6% |
| Average originated loan | $703k | $566k | $439k | $329k |
| Home purchase share | 29.7% | 51.2% | 26.5% | 57.0% |
| FHA-insured share | 0.2% | 11.4% | 0.4% | 13.4% |
| VA-guaranteed share | 0.1% | 4.8% | 0.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 30% (477)Home improvement 13% (215)Refinancing 26% (420)Cash-out refinancing 4% (57)Other purpose 27% (439)
By type
Conventional 100% (1,604)FHA 0% (3)VA 0% (1)
Denial reasons as coded
Share of 921 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 745 | 386 | $260m | 33.0% |
| San Diego County | 660 | 335 | $260m | 33.4% |
| Orange County | 417 | 239 | $190m | 27.2% |
| Riverside County | 195 | 92 | $41m | 34.6% |
| San Bernardino County | 147 | 72 | $29m | 30.9% |
| Alameda County | 139 | 71 | $51m | 26.9% |
| Contra Costa County | 112 | 71 | $44m | 23.1% |
| San Joaquin County | 102 | 66 | $45m | 14.0% |
| Santa Clara County | 115 | 63 | $58m | 26.8% |
| Sacramento County | 80 | 46 | $24m | 23.4% |
| Fresno County | 62 | 24 | $18m | 36.7% |
| San Mateo County | 38 | 16 | $14m | 32.4% |
| Ventura County | 33 | 16 | $7.1m | 37.5% |
| San Francisco County | 30 | 14 | $8.2m | 32.1% |
| Placer County | 31 | 13 | $9.6m | 26.7% |
| Kern County | 32 | 5 | $655k | 63.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Zions Bancorporation, N.A. originate in California in 2024?
1,608 loans totalling $1.1bn, from 3,129 applications reported for properties in California.
What is Zions Bancorporation, N.A.'s denial rate in California?
30.8% of decided applications in California were denied, against 24.8% for all lenders in the state and 33.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Zions Bancorporation, N.A. lend in most?
By originations: Los Angeles County (386), San Diego County (335), Orange County (239), Riverside County (92), San Bernardino County (72).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.