Zions Bancorporation in Utah vs the state
22.9%Denial rate+6.94 pts vs state
23.1%Decision denial rate+3.94 pts vs state
58.3%Origination rate-4.99 pts vs state
6.49%Median rate-0.13 pts vs state
-0.24Rate spread (pts)-0.48 pts vs state
$141kMedian applicant income
1,755Loans originated
690Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,555 | 1,975 | 26.0% | 6.88% | #7 |
| 2024 | 3,018 | 1,650 | 26.1% | 8.75% | #9 |
| 2025 | 3,013 | 1,755 | 22.9% | 6.49% | #10 |
What Zions Bancorporation lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Zions Bancorporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 1,000 | 577 | 210 | 21.0% |
| Utah County | 422 | 249 | 107 | 25.4% |
| Washington County | 310 | 190 | 63 | 20.3% |
| Davis County | 230 | 146 | 47 | 20.4% |
| Summit County | 157 | 90 | 41 | 26.1% |
| Cache County | 144 | 76 | 35 | 24.3% |
| Weber County | 119 | 71 | 29 | 24.4% |
| Wasatch County | 101 | 63 | 22 | 21.8% |
| Uintah County | 57 | 36 | 13 | 22.8% |
| Iron County | 56 | 26 | 17 | 30.4% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 3,013 applications in 2025, of which 1,755 were originated and 690 denied.
22.9% of all applications, or 23.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Zions Bancorporation originated in Utah 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology