Zions Bancorporation in Nevada vs the state
36.0%Denial rate+18.52 pts vs state
36.5%Decision denial rate+14.29 pts vs state
47.4%Origination rate-10.32 pts vs state
5.50%Median rate-1.13 pts vs state
-1.00Rate spread (pts)-1.29 pts vs state
$105kMedian applicant income
1,054Loans originated
800Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,592 | 1,205 | 39.3% | 6.63% | #9 |
| 2024 | 2,513 | 1,223 | 37.6% | 6.88% | #11 |
| 2025 | 2,224 | 1,054 | 36.0% | 5.50% | #14 |
What Zions Bancorporation lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most Zions Bancorporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 1,701 | 803 | 625 | 36.7% |
| Washoe County | 208 | 106 | 61 | 29.3% |
| Nye County | 106 | 37 | 48 | 45.3% |
| Lyon County | 43 | 20 | 14 | 32.6% |
| Elko County | 41 | 22 | 14 | 34.1% |
| Douglas County | 38 | 22 | 10 | 26.3% |
| Humboldt County | 25 | 14 | 9 | 36.0% |
| Carson City | 19 | 13 | 5 | 26.3% |
| Pershing County | 10 | 5 | 4 | 40.0% |
| Storey County | 8 | 1 | 3 | 37.5% |
Other large lenders in Nevada
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 6,913 | 11.4% | 6.31% |
| Rocket Mortgage | C | 6,889 | 15.4% | 6.88% |
| Guild Mortgage | A | 5,533 | 2.6% | 6.50% |
| AMERICA FIRST Federal Credit Union | C | 3,873 | 28.6% | 7.24% |
| U.S. Bank | D | 3,745 | 40.2% | 7.65% |
| Bank of America | F | 3,296 | 35.9% | 6.24% |
| Pennymac Loan Services | C | 3,188 | 12.5% | 6.62% |
| Navy Federal Credit Union | D | 2,579 | 24.5% | 7.75% |
| Broker Solutions | D | 2,559 | 8.9% | 6.75% |
| Dhi Mortgage Company | B | 2,549 | 6.8% | 4.99% |
Frequently asked questions
Nevada: 2,224 applications in 2025, of which 1,054 were originated and 800 denied.
36.0% of all applications, or 36.5% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans Zions Bancorporation originated in Nevada in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Zions Bancorporation's own HMDA filing for properties located in Nevada, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology