We analyzed every closed loan from Zions Bancorporation — 2.7k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 37 mkts
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
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
Explore another lender or local market
Report Card
Zions Bancorporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 11.4 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Acceptable
Bottom 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 38 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,205 | 80.7% | -0.081%Below | $1,826Fees | ||||
FHA Loans | 38 | 1.4% | +0.120%Above | $1,774Fees | ||||
VA Loans | — | 15 | 0.5% | -0.443%Below | $1,783Fees | |||
Jumbo Loans | 475 | 17.4% | -0.327%Below | $865Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume2,205
Mix80.7%
Spread
-0.081%Below
Fees
$1,826Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume38
Mix1.4%
Spread
+0.120%Above
Fees
$1,774Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume15
Mix0.5%
Spread
-0.443%Below
Fees
$1,783Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume475
Mix17.4%
Spread
-0.327%Below
Fees
$865Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,147 | 78.6% | -0.192%Below | $1,743Fees | ||||
Refinance | 586 | 21.4% | +0.151%Above | $1,509Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume2,147
Mix78.6%
Spread
-0.192%Below
Fees
$1,743Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume586
Mix21.4%
Spread
+0.151%Above
Fees
$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
37
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
18Midwest1
IA
South5
ALFLGATXVA
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 294Mix 10.76% of portfolio
82/100
Exceptional
Volume 277Mix 10.14% of portfolio
73/100
Strong
Volume 151Mix 5.53% of portfolio
73/100
Strong
Volume 58Mix 2.12% of portfolio
70/100
Strong
Volume 128Mix 4.68% of portfolio
69/100
Strong
Volume 88Mix 3.22% of portfolio
67/100
Strong
Volume 62Mix 2.27% of portfolio
66/100
Strong
Volume 107Mix 3.92% of portfolio
66/100
Strong
Volume 118Mix 4.32% of portfolio
65/100
Strong
Volume 53Mix 1.94% of portfolio
65/100
StrongShowing 10 of 37 metro areas
Top States by Place Specialization Score
1
NevadaState
Volume 375Mix 13.72% of portfolio
83/100
Exceptional2
UtahState
Volume 388Mix 14.20% of portfolio
78/100
Strong3
IdahoState
Volume 322Mix 11.78% of portfolio
75/100
Strong4
CaliforniaState
Volume 634Mix 23.20% of portfolio
73/100
Strong5
TexasState
Volume 430Mix 15.73% of portfolio
71/100
Strong6
ColoradoState
Volume 240Mix 8.78% of portfolio
70/100
Strong7
ArizonaState
Volume 224Mix 8.20% of portfolio
69/100
Strong8
WashingtonState
Volume 62Mix 2.27% of portfolio
56/100
Sound9
WyomingState
Volume 25Mix 0.91% of portfolio
53/100
Sound10
New MexicoState
Volume 12Mix 0.44% of portfolio
41/100
SoundShowing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.