Zions Bancorporation in Idaho vs the state
21.1%Denial rate+6.69 pts vs state
21.3%Decision denial rate+3.77 pts vs state
60.1%Origination rate-2.97 pts vs state
6.49%Median rate-0.13 pts vs state
-0.03Rate spread (pts)-0.19 pts vs state
$132kMedian applicant income
517Loans originated
182Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,295 | 744 | 23.4% | 6.63% | #9 |
| 2024 | 1,067 | 607 | 22.6% | 7.13% | #13 |
| 2025 | 861 | 517 | 21.1% | 6.49% | #22 |
What Zions Bancorporation lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Zions Bancorporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 179 | 112 | 35 | 19.6% |
| Teton County | 108 | 71 | 7 | 6.5% |
| Canyon County | 90 | 52 | 23 | 25.6% |
| Bonneville County | 60 | 38 | 12 | 20.0% |
| Bannock County | 48 | 32 | 8 | 16.7% |
| Latah County | 39 | 25 | 4 | 10.3% |
| Blaine County | 32 | 15 | 10 | 31.3% |
| Payette County | 30 | 16 | 11 | 36.7% |
| Twin Falls County | 27 | 15 | 11 | 40.7% |
| Nez Perce County | 26 | 14 | 11 | 42.3% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 861 applications in 2025, of which 517 were originated and 182 denied.
21.1% of all applications, or 21.3% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Zions Bancorporation originated in Idaho in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Zions Bancorporation's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology