Zions Bancorporation in California vs the state
27.9%Denial rate+10.51 pts vs state
28.9%Decision denial rate+6.52 pts vs state
52.8%Origination rate-3.45 pts vs state
6.25%Median rate-0.38 pts vs state
-0.45Rate spread (pts)-0.72 pts vs state
$232kMedian applicant income
1,647Loans originated
872Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,596 | 1,287 | 29.6% | 8.50% | #64 |
| 2024 | 3,129 | 1,608 | 29.4% | 6.99% | #59 |
| 2025 | 3,122 | 1,647 | 27.9% | 6.25% | #65 |
What Zions Bancorporation lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Zions Bancorporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 690 | 365 | 206 | 29.9% |
| San Diego County | 607 | 339 | 174 | 28.7% |
| Orange County | 447 | 261 | 89 | 19.9% |
| Riverside County | 293 | 146 | 92 | 31.4% |
| San Bernardino County | 182 | 72 | 70 | 38.5% |
| Santa Clara County | 129 | 70 | 33 | 25.6% |
| Alameda County | 121 | 74 | 29 | 24.0% |
| Contra Costa County | 98 | 58 | 22 | 22.4% |
| San Joaquin County | 87 | 54 | 13 | 14.9% |
| Fresno County | 68 | 29 | 26 | 38.2% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 3,122 applications in 2025, of which 1,647 were originated and 872 denied.
27.9% of all applications, or 28.9% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Zions Bancorporation originated in California in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Zions Bancorporation's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology