# Zions Bancorporation, N.A.

> **Canonical URL:** https://saferate.com/lenders/zions-bancorporation


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Zions Bancorporation, N.A. is a bank, headquartered in Salt Lake City, UT, serving borrowers across 18 states, with 2,733 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 8WH0EE09O9V05QJZ3V89
- **Headquarters:** Salt Lake City, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AL, AZ, CA, CO, FL, GA, HI, IA, ID, MT, NM, NV, OR, TX, UT, VA, WA, WY
- **Markets (MSAs):** 38
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.114%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,690
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,733
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 5,414
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $633,178
- **Average Borrower Income:** $296,038
- **Average Property Value:** $920,928

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **FHA Gold Superstar** (65%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 2,205 | -0.081% | $1,826 | Strong 😀 |
| FHA | 57/100 | 38 | +0.120% | $1,774 | Sound ☺️ |
| VA | 40/100 | 15 | -0.443% | $1,783 | Acceptable 🙂 |
| Jumbo | 89/100 | 475 | -0.327% | $865 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,685 loans, Score: 73/100 (Strong)
- Refinance: 520 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 36 loans, Score: 56/100 (Sound)

**Jumbo:**
- Purchase: 414 loans, Score: 89/100 (Exceptional)
- Refinance: 61 loans, Score: 84/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 2,147 | $1.4B | -0.192% | Strong 😀 |
| Refinance | 72/100 | 586 | $328M | +0.151% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 634 | 0.22% | 73/100 |
| TX | 430 | 0.12% | 71/100 |
| UT | 388 | 0.86% | 78/100 |
| NV | 375 | 0.93% | 83/100 |
| ID | 322 | 1.21% | 75/100 |
| CO | 240 | 0.29% | 70/100 |
| AZ | 224 | 0.23% | 69/100 |
| WA | 62 | 0.07% | 56/100 |
| WY | 25 | 0.40% | 53/100 |
| OR | 13 | 0.03% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 382 | 67/100 |
| Las Vegas | NV | 294 | 82/100 |
| Houston | TX | 277 | 73/100 |
| Salt Lake City | UT | 151 | 73/100 |
| Boise City, ID | ID | 128 | 69/100 |
| Los Angeles | CA | 118 | 65/100 |
| Denver | CO | 108 | 64/100 |
| San Diego | CA | 107 | 66/100 |
| Oakland | CA | 88 | 67/100 |
| Phoenix | AZ | 83 | 59/100 |
| Riverside | CA | 67 | 58/100 |
| Stockton | CA | 62 | 66/100 |
| St. George, UT | UT | 58 | 70/100 |
| San Antonio | TX | 54 | 56/100 |
| Reno, NV | NV | 53 | 65/100 |

## Where This Lender Ranks

Zions Bancorporation, N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Pocatello, ID for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pocatello-id/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Salt Lake City Banks
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/banks)
- 🥈 **#2** in Boise City, ID Banks
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks)
- 🥈 **#2** in St. George, UT for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in St. George, UT for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Provo for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Flagstaff, AZ for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/flagstaff-az/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Utah Banks
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/banks)
- 🥉 **#3** in Utah for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Idaho Banks
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks)
- 🥉 **#3** in Idaho for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Provo Banks
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/banks)
- 🥉 **#3** in Ogden, UT for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Grand Junction, CO Banks
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks)
- 🥉 **#3** in Idaho Falls, ID Banks
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/banks)
- 🥉 **#3** in Idaho Falls, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Wyoming for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Pueblo, CO Banks
  - [View Full Rankings](https://saferate.com/pueblo-co/best-mortgage-lenders/banks)
- 🥉 **#3** in Pueblo, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pueblo-co/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Nevada Banks
  - [View Full Rankings](https://saferate.com/nevada/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Zions Bancorporation, N.A. offer?

Zions Bancorporation, N.A. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Zions Bancorporation, N.A. offer mortgages?

Zions Bancorporation, N.A. offers mortgages in 18 states: AL, AZ, CA, CO, FL, GA, HI, IA, ID, MT, NM, NV, OR, TX, UT, VA, WA, WY.

### How competitive are Zions Bancorporation, N.A.'s mortgage rates?

Zions Bancorporation, N.A. has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.114% below market average.

### What type of lender is Zions Bancorporation, N.A.?

Zions Bancorporation, N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Salt Lake City, UT.

### What is Zions Bancorporation, N.A.'s loan approval success rate?

Zions Bancorporation, N.A. has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/zions-bancorporation

### How to Cite

> "Zions Bancorporation, N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/zions-bancorporation

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