Zions Bancorporation in Texas vs the state
37.3%Denial rate+17.90 pts vs state
37.6%Decision denial rate+12.73 pts vs state
46.1%Origination rate-8.76 pts vs state
6.89%Median rate+0.39 pts vs state
-0.31Rate spread (pts)-0.50 pts vs state
$150kMedian applicant income
1,522Loans originated
1,232Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,940 | 2,249 | 41.5% | 6.74% | #40 |
| 2024 | 4,061 | 1,786 | 40.9% | 6.99% | #45 |
| 2025 | 3,300 | 1,522 | 37.3% | 6.89% | #59 |
What Zions Bancorporation lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Zions Bancorporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,280 | 571 | 484 | 37.8% |
| Montgomery County | 293 | 148 | 94 | 32.1% |
| Dallas County | 241 | 122 | 88 | 36.5% |
| Fort Bend County | 223 | 103 | 88 | 39.5% |
| Bexar County | 201 | 89 | 83 | 41.3% |
| Collin County | 150 | 90 | 46 | 30.7% |
| Galveston County | 135 | 61 | 53 | 39.3% |
| Tarrant County | 106 | 45 | 42 | 39.6% |
| Denton County | 96 | 53 | 31 | 32.3% |
| Travis County | 85 | 35 | 27 | 31.8% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 3,300 applications in 2025, of which 1,522 were originated and 1,232 denied.
37.3% of all applications, or 37.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Zions Bancorporation originated in Texas in 2025 was 6.89%, against a statewide median of 6.50%.
About this data. Figures are Zions Bancorporation's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology