Applications / Mortgage Analytics / Lenders / Utah / Zions Bancorporation
Salt Lake City, UT · National bank · OCC · $89.0 billion assets · 8,981 loans in 2025
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8,981
loans originated, 2025
17,221
applications, 2025
27
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Zions Bancorporation made 8,981 loans in 2025, about half its 2020 count, but its loans were larger than those of most similar lenders and its dollar volume rose to $4.72 billion.
Originations fell 5% while similar lenders (national banks making between half and twice as many loans) grew 4% and the whole market grew 10%. Its typical loan rose to $295,000, higher than about four in five similar lenders, and jumbo loans (larger than the conforming limit) were 17.3% against 7.5% for peers. Higher house prices in its markets could account for part of this.
FHA loans (insured by the Federal Housing Administration) were 0.8% against 2.5% for peers. Refinance, home improvement and other purposes together far outweighed purchase loans, at 24.8%. Higher-priced loans (a rate well above the average for similar loans) were 0.6%, lower than the peer level of 2.2%.
Loans to LMI (low- and moderate-income) borrowers were 17.2% against 28.4% for peers, lower than about seven in ten similar lenders, while lending in majority-minority areas, at 26.5%, was higher than about nine in ten. Larger loans and markets such as Houston and Los Angeles may explain both.
In Salt Lake City-Murray it ranks 8 of 363, and its share rose 0.3 points to 2.5%. In Las Vegas its share fell 0.1 points to 1.5%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Zions Bancorporation took 17,221 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 30.2% · Other 28.6% · Purchase 24.8% · Home improvement 16.3% · Not applicable 0.0%
Conventional 98.9% · FHA 0.8% · VA 0.3% · of 8,981 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Utah | 1,755 | 19.5% |
| California | 1,647 | 18.3% |
| Texas | 1,522 | 16.9% |
| Arizona | 1,168 | 13.0% |
| Colorado | 1,057 | 11.8% |
| Nevada | 1,054 | 11.7% |
| Idaho | 517 | 5.8% |
| Washington | 140 | 1.6% |
| Wyoming | 48 | 0.5% |
| New Mexico | 23 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 919 |
| Las Vegas-Henderson-North Las Vegas | 803 |
| Salt Lake City-Murray | 601 |
| Denver-Aurora-Centennial | 566 |
| Phoenix-Mesa-Chandler | 430 |
| Los Angeles-Long Beach-Glendale | 365 |
| San Diego-Chula Vista-Carlsbad | 339 |
| Dallas-Plano-Irving | 287 |
| Anaheim-Santa Ana-Irvine | 261 |
| Provo-Orem-Lehi | 253 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 8WH0EE09O9V05QJZ3V89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 276579 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14341 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9276579 | 2011–2017 |
Established 6 July 1873. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Zions Bancorporation's data.
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