Lenders › Zions Bancorporation, N.A. › Utah
Zions Bancorporation, N.A. in Utah
HMDA record for properties in Utah, calendar year 2024. National record · Utah 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.
In Utah, Zions Bancorporation, N.A. reported 3,018 applications and 1,650 originations for 2024, $794m in all.
Its denial rate in the state was 26.4%, above the Utah rate of 20.5% across all lenders and compared with the lender's national rate of 33.1%.
The median rate spread on its Utah originations was 0.8 percentage points (state median 0.4).
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Utah | Utah, all lenders | Zions Bancorporation, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 26.4% | 20.5% | 33.1% | 24.3% |
| Median rate spread, pp | 0.8 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.4% | 14.2% | 8.7% | 15.6% |
| Average originated loan | $481k | $343k | $439k | $329k |
| Home purchase share | 24.2% | 49.0% | 26.5% | 57.0% |
| FHA-insured share | 0.2% | 14.1% | 0.4% | 13.4% |
| VA-guaranteed share | 0.1% | 4.7% | 0.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateUtah, all lenders
Loan purpose and loan type in Utah
By purpose
Home purchase 24% (399)Home improvement 15% (248)Refinancing 26% (433)Cash-out refinancing 5% (84)Other purpose 29% (486)
By type
Conventional 100% (1,646)FHA 0% (3)VA 0% (1)
Denial reasons as coded
Share of 789 denials in Utah by first denial reason coded (outlined bar: all lenders in the state).
Counties in Utah
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 980 | 526 | $220m | 26.0% |
| Utah County | 474 | 247 | $99m | 31.0% |
| Washington County | 335 | 202 | $108m | 20.4% |
| Davis County | 225 | 142 | $57m | 22.2% |
| Summit County | 187 | 111 | $118m | 21.7% |
| Cache County | 106 | 61 | $12m | 27.6% |
| Wasatch County | 108 | 59 | $66m | 22.6% |
| Weber County | 84 | 48 | $23m | 29.6% |
| Uintah County | 69 | 35 | $8.1m | 37.7% |
| Box Elder County | 45 | 26 | $7.0m | 28.9% |
| Millard County | 40 | 23 | $3.6m | 22.5% |
| Tooele County | 42 | 21 | $4.4m | 33.3% |
| Sanpete County | 41 | 20 | $2.7m | 22.0% |
| Kane County | 32 | 19 | $7.4m | 18.8% |
| Sevier County | 29 | 18 | $3.3m | 13.8% |
| Duchesne County | 38 | 16 | $4.1m | 35.1% |
| Iron County | 36 | 16 | $4.0m | 27.8% |
| San Juan County | 25 | 14 | $3.6m | — |
| Garfield County | 30 | 10 | $870k | 33.3% |
| Grand County | 25 | 8 | $2.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Zions Bancorporation, N.A. originate in Utah in 2024?
1,650 loans totalling $794m, from 3,018 applications reported for properties in Utah.
What is Zions Bancorporation, N.A.'s denial rate in Utah?
26.4% of decided applications in Utah were denied, against 20.5% 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 Utah counties does Zions Bancorporation, N.A. lend in most?
By originations: Salt Lake County (526), Utah County (247), Washington County (202), Davis County (142), Summit County (111).
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 Utah. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.