Zions Bancorporation in Washington vs the state
7.8%Denial rate-7.86 pts vs state
7.9%Decision denial rate-11.66 pts vs state
57.4%Origination rate-3.68 pts vs state
6.00%Median rate-0.63 pts vs state
-0.26Rate spread (pts)-0.45 pts vs state
$310kMedian applicant income
140Loans originated
19Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 103 | 15.5% | 6.25% | #169 |
| 2024 | 136 | 84 | 5.2% | 6.43% | #197 |
| 2025 | 244 | 140 | 7.8% | 6.00% | #171 |
What Zions Bancorporation lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Zions Bancorporation applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 106 | 60 | 8 | 7.5% |
| Snohomish County | 91 | 52 | 5 | 5.5% |
| Whitman County | 13 | 7 | 2 | 15.4% |
| Asotin County | 8 | 5 | 0 | 0.0% |
| Pierce County | 5 | 2 | 0 | 0.0% |
| Spokane County | 5 | 4 | 0 | 0.0% |
| Lewis County | 3 | 1 | 2 | 66.7% |
| Thurston County | 2 | 0 | 1 | 50.0% |
| Kitsap County | 2 | 2 | 0 | 0.0% |
| San Juan County | 2 | 1 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 244 applications in 2025, of which 140 were originated and 19 denied.
7.8% of all applications, or 7.9% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Zions Bancorporation originated in Washington in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Zions Bancorporation's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology