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 score and performance metrics.

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 an overall pricing score of 72.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Zions Bancorporation, N.A. is a Bank headquartered in Salt Lake City, UT.

Unclaimed

Zions Bancorporation, N.A.

Bank•Salt Lake City, UT•Direct to Consumer

We analyzed every closed loan from Zions Bancorporation — 2.7k loans across 5k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Strong

vs. all lenders

Pull Through

Sound

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo

Place

Sound

Multi-Region · 37 mkts

Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

Offers rates 11.40 basis points below market average
Lower than average lender fees
Particularly strong in Conventional and Jumbo loans

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Report Card

Zions Bancorporation, N.A. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Strong	Highly Competitive Rates 11.4 bps below market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Sound	Industry Standard Top 60% of lenders
VA	Acceptable	Near industry average Bottom 40% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional38 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Sound	2,205	80.7%	-0.081%Below	$1,826Fees
FHA Loans	Strong	Sound	Exceptional	Sound	38	1.4%	+0.120%Above	$1,774Fees
VA Loans	Acceptable	Acceptable	—	Acceptable	15	0.5%	-0.443%Below	$1,783Fees
Jumbo Loans	Strong	Exceptional	Strong	Sound	475	17.4%	-0.327%Below	$865Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	2,147	78.6%	-0.192%Below	$1,743Fees
Refinance	Strong	Strong	Strong	Sound	586	21.4%	+0.151%Above	$1,509Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,733

Applications

5,414

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

-0.114%

vs. market APOR

Avg Net Fees

$1,690

Origination − Credits

Pullthrough Rate

50.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$633,178

Avg Borrower Income

$296,038

Avg Property Value

$920,928

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACOFLGAHIIAIDMTNMNVORTXUTVAWAWY

Top Metro Areas by Place Specialization Score

Las Vegas, NVMSA

Volume: 294Mix: 10.76%of portfolio

Place

Exceptional

Houston, TXMSA

Volume: 277Mix: 10.14%of portfolio

Place

Strong

Salt Lake City, UTMSA

Volume: 151Mix: 5.53%of portfolio

Place

Strong

St. George, UT, UTMSA

Volume: 58Mix: 2.12%of portfolio

Place

Strong

Boise City, ID, IDMSA

Volume: 128Mix: 4.68%of portfolio

Place

Strong

Oakland, CAMSA

Volume: 88Mix: 3.22%of portfolio

Place

Strong

Stockton, CAMSA

Volume: 62Mix: 2.27%of portfolio

Place

Strong

San Diego, CAMSA

Volume: 107Mix: 3.92%of portfolio

Place

Strong

Los Angeles, CAMSA

Volume: 118Mix: 4.32%of portfolio

Place

Strong

Reno, NV, NVMSA

Volume: 53Mix: 1.94%of portfolio

Place

Strong

Showing 10 of 37 metro areas

Top States by Place Specialization Score

NVState

Volume: 375Mix: 13.72%of portfolio

Place

Exceptional

UTState

Volume: 388Mix: 14.20%of portfolio

Place

Strong

IDState

Volume: 322Mix: 11.78%of portfolio

Place

Strong

CAState

Volume: 634Mix: 23.20%of portfolio

Place

Strong

TXState

Volume: 430Mix: 15.73%of portfolio

Place

Strong

COState

Volume: 240Mix: 8.78%of portfolio

Place

Strong

AZState

Volume: 224Mix: 8.20%of portfolio

Place

Strong

WAState

Volume: 62Mix: 2.27%of portfolio

Place

Sound

WYState

Volume: 25Mix: 0.91%of portfolio

Place

Sound

NMState

Volume: 12Mix: 0.44%of portfolio

Place

Sound

Showing 10 of 11 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.