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Zions Bancorporation, N.A.
Bank|Salt Lake City, UT|Multi-Region
Loans Originated
2,733
Applications
5,414
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.114%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,690
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
50.5%
Percentage of applications that result in closed loans
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
Report Card
Zions Bancorporation, N.A. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
VA | Acceptable | Near industry average | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 38 metro areas · 18 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$633,178
Average Borrower Income
$296,038
Average Property Value
$920,928
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% | $1,826 |
FHA Loans | Strong | Sound | Exceptional | Sound | 38 | 1.4% | +0.120% | $1,774 |
VA Loans | Acceptable | Acceptable | N/A | Acceptable | 15 | 0.5% | -0.443% | $1,783 |
Jumbo Loans | Strong | Exceptional | Strong | Sound | 475 | 17.4% | -0.327% | $865 |
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% | $1,743 |
Refinance | Strong | Strong | Strong | Sound | 586 | 21.4% | +0.151% | $1,509 |
Geographic Coverage
Metro Areas
37
States Served
18
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOFLGAHIIAIDMTNMNVORTXUTVAWAWY
Top Metro Areas by Place Specialization Score
1
Las Vegas, NVMSA
Volume: 294Mix: 10.76%
Place Specialization
Exceptional
2
Houston, TXMSA
Volume: 277Mix: 10.14%
Place Specialization
Strong
3
Salt Lake City, UTMSA
Volume: 151Mix: 5.53%
Place Specialization
Strong
4
St. George, UT, UTMSA
Volume: 58Mix: 2.12%
Place Specialization
Strong
5
Boise City, ID, IDMSA
Volume: 128Mix: 4.68%
Place Specialization
Strong
6
Oakland, CAMSA
Volume: 88Mix: 3.22%
Place Specialization
Strong
7
Stockton, CAMSA
Volume: 62Mix: 2.27%
Place Specialization
Strong
8
San Diego, CAMSA
Volume: 107Mix: 3.92%
Place Specialization
Strong
9
Los Angeles, CAMSA
Volume: 118Mix: 4.32%
Place Specialization
Strong
10
Reno, NV, NVMSA
Volume: 53Mix: 1.94%
Place Specialization
Strong
Showing 10 of 37 metro areas
Top States by Place Specialization Score
1
NVState
Volume: 375Mix: 13.72%
Place Specialization
Exceptional
2
UTState
Volume: 388Mix: 14.20%
Place Specialization
Strong
3
IDState
Volume: 322Mix: 11.78%
Place Specialization
Strong
4
CAState
Volume: 634Mix: 23.20%
Place Specialization
Strong
5
TXState
Volume: 430Mix: 15.73%
Place Specialization
Strong
6
COState
Volume: 240Mix: 8.78%
Place Specialization
Strong
7
AZState
Volume: 224Mix: 8.20%
Place Specialization
Strong
8
WAState
Volume: 62Mix: 2.27%
Place Specialization
Sound
9
WYState
Volume: 25Mix: 0.91%
Place Specialization
Sound
10
NMState
Volume: 12Mix: 0.44%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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