Zions First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Zions First National Bank 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Zions First National Bank One S Main St 11Th Fl Salt Lake City, UT 84133 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,726 |
| Total Mortgage Loan Application Amount | $1,925,252,000 |
| Average Mortgage Loan Application Amount | $169,000 |
| Highest Mortgage Loan Application Amount | $3,550,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $9,536,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Zions First National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Zions First National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Zions First National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Zions First National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Zions First National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Zions First National Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake County Utah | 1,905 | $ 397,620,000 | $ 208,000 | $ 103,000 |
| Utah County Utah | 837 | $ 168,187,000 | $ 200,000 | $ 92,000 |
| Cache County Utah | 605 | $ 96,591,000 | $ 159,000 | $ 83,000 |
| Davis County Utah | 582 | $ 124,006,000 | $ 213,000 | $ 82,000 |
| Washington County Utah | 535 | $ 112,788,000 | $ 210,000 | $ 106,000 |
| Summit County Utah | 310 | $ 131,854,000 | $ 425,000 | $ 290,000 |
| Weber County Utah | 285 | $ 66,573,000 | $ 233,000 | $ 153,000 |
| Box Elder County Utah | 207 | $ 32,183,000 | $ 155,000 | $ 78,000 |
| Bonneville County Idaho | 198 | $ 38,580,000 | $ 194,000 | $ 118,000 |
| Uintah County Utah | 187 | $ 27,023,000 | $ 144,000 | $ 76,000 |
| Wasatch County Utah | 172 | $ 60,129,000 | $ 349,000 | $ 176,000 |
| Sevier County Utah | 167 | $ 20,989,000 | $ 125,000 | $ 71,000 |
| Latah County Idaho | 149 | $ 26,732,000 | $ 179,000 | $ 93,000 |
| Ada County Idaho | 146 | $ 28,099,000 | $ 192,000 | $ 126,000 |
| Iron County Utah | 145 | $ 26,661,000 | $ 183,000 | $ 85,000 |
| Millard County Utah | 145 | $ 13,423,000 | $ 92,000 | $ 70,000 |
| Sanpete County Utah | 144 | $ 17,473,000 | $ 121,000 | $ 66,000 |
| Duchesne County Utah | 131 | $ 17,361,000 | $ 132,000 | $ 69,000 |
| Bannock County Idaho | 125 | $ 14,617,000 | $ 116,000 | $ 74,000 |
| Los Angeles County California | 108 | $ 29,635,000 | $ 274,000 | $ 127,000 |
| Jefferson County Idaho | 107 | $ 17,063,000 | $ 159,000 | $ 78,000 |
| Canyon County Idaho | 106 | $ 15,500,000 | $ 146,000 | $ 70,000 |
| Bingham County Idaho | 98 | $ 14,374,000 | $ 146,000 | $ 90,000 |
| Grand County Utah | 94 | $ 19,260,000 | $ 204,000 | $ 100,000 |
| Clark County Nevada | 88 | $ 15,439,000 | $ 175,000 | $ 106,000 |
| Nez Perce County Idaho | 87 | $ 11,278,000 | $ 129,000 | $ 65,000 |
| Twin Falls County Idaho | 87 | $ 12,375,000 | $ 142,000 | $ 78,000 |
| Kane County Utah | 82 | $ 12,997,000 | $ 158,000 | $ 97,000 |
| San Diego County California | 81 | $ 24,181,000 | $ 298,000 | $ 192,000 |
| Bear Lake County Idaho | 80 | $ 9,797,000 | $ 122,000 | $ 91,000 |
| Carbon County Utah | 80 | $ 8,775,000 | $ 109,000 | $ 84,000 |
| San Juan County Utah | 79 | $ 9,935,000 | $ 125,000 | $ 66,000 |
| Garfield County Utah | 73 | $ 9,195,000 | $ 125,000 | $ 71,000 |
| Tooele County Utah | 72 | $ 11,736,000 | $ 163,000 | $ 59,000 |
| Coconino County Arizona | 67 | $ 15,549,000 | $ 232,000 | $ 190,000 |
| Emery County Utah | 67 | $ 6,452,000 | $ 96,000 | $ 63,000 |
| Maricopa County Arizona | 66 | $ 11,474,000 | $ 173,000 | $ 139,000 |
| Cassia County Idaho | 54 | $ 5,482,000 | $ 101,000 | $ 64,000 |
| Orange County California | 48 | $ 15,646,000 | $ 325,000 | $ 179,000 |
| Madison County Idaho | 47 | $ 8,135,000 | $ 173,000 | $ 108,000 |
| Rich County Utah | 45 | $ 7,890,000 | $ 175,000 | $ 210,000 |
| Franklin County Idaho | 44 | $ 6,077,000 | $ 138,000 | $ 85,000 |
| Gooding County Idaho | 42 | $ 4,085,000 | $ 97,000 | $ 74,000 |
| Blaine County Idaho | 39 | $ 19,355,000 | $ 496,000 | $ 163,000 |
| Washington County Idaho | 39 | $ 4,336,000 | $ 111,000 | $ 62,000 |
| Payette County Idaho | 34 | $ 4,603,000 | $ 135,000 | $ 78,000 |
| Yavapai County Arizona | 32 | $ 7,559,000 | $ 236,000 | $ 114,000 |
| Morgan County Utah | 31 | $ 10,530,000 | $ 339,000 | $ 153,000 |
| Whitman County Washington | 29 | $ 5,669,000 | $ 195,000 | $ 89,000 |
| Gila County Arizona | 28 | $ 6,352,000 | $ 226,000 | $ 112,000 |
| Fremont County Idaho | 28 | $ 6,455,000 | $ 230,000 | $ 214,000 |
| Jerome County Idaho | 28 | $ 4,115,000 | $ 146,000 | $ 79,000 |
| Pima County Arizona | 23 | $ 4,934,000 | $ 214,000 | $ 142,000 |
| Riverside County California | 23 | $ 4,714,000 | $ 204,000 | $ 118,000 |
| Minidoka County Idaho | 22 | $ 2,293,000 | $ 104,000 | $ 51,000 |
| Fresno County California | 20 | $ 5,165,000 | $ 258,000 | $ 259,000 |
| Juab County Utah | 19 | $ 2,285,000 | $ 120,000 | $ 75,000 |
| Navajo County Arizona | 18 | $ 2,997,000 | $ 166,000 | $ 64,000 |
| Wayne County Utah | 18 | $ 2,016,000 | $ 112,000 | $ 134,000 |
| Alameda County California | 17 | $ 4,672,000 | $ 274,000 | $ 159,000 |
| Caribou County Idaho | 17 | $ 2,449,000 | $ 144,000 | $ 96,000 |
| Malheur County Oregon | 17 | $ 2,338,000 | $ 137,000 | $ 70,000 |
| Lincoln County Wyoming | 17 | $ 2,797,000 | $ 164,000 | $ 124,000 |
| Mohave County Arizona | 16 | $ 2,810,000 | $ 175,000 | $ 77,000 |
| Contra Costa County California | 16 | $ 4,926,000 | $ 307,000 | $ 211,000 |
| Asotin County Washington | 16 | $ 3,392,000 | $ 212,000 | $ 71,000 |
| Ventura County California | 14 | $ 4,244,000 | $ 303,000 | $ 140,000 |
| Valley County Idaho | 14 | $ 3,136,000 | $ 224,000 | $ 246,000 |
| San Bernardino County California | 13 | $ 2,604,000 | $ 200,000 | $ 80,000 |
| Oneida County Idaho | 13 | $ 2,331,000 | $ 179,000 | $ 69,000 |
| Elko County Nevada | 12 | $ 2,236,000 | $ 186,000 | $ 98,000 |
| Beaver County Utah | 12 | $ 1,789,000 | $ 149,000 | $ 82,000 |
| Cochise County Arizona | 11 | $ 2,427,000 | $ 220,000 | $ 99,000 |
| San Francisco County California | 11 | $ 3,070,000 | $ 279,000 | $ 137,000 |
| San Mateo County California | 10 | $ 2,383,000 | $ 238,000 | $ 123,000 |
| Lincoln County Idaho | 10 | $ 1,183,000 | $ 118,000 | $ 53,000 |
| Owyhee County Idaho | 10 | $ 1,010,000 | $ 101,000 | $ 57,000 |
| Pinal County Arizona | 9 | $ 1,383,000 | $ 153,000 | $ 86,000 |
| Yuma County Arizona | 9 | $ 1,609,000 | $ 178,000 | $ 95,000 |
| Santa Clara County California | 9 | $ 3,321,000 | $ 369,000 | $ 598,000 |
| Teton County Idaho | 9 | $ 2,686,000 | $ 298,000 | $ 91,000 |
| Piute County Utah | 9 | $ 893,000 | $ 99,000 | $ 67,000 |
| Sacramento County California | 8 | $ 1,312,000 | $ 164,000 | $ 72,000 |
| Apache County Arizona | 7 | $ 1,143,000 | $ 163,000 | $ 84,000 |
| Uinta County Wyoming | 7 | $ 1,341,000 | $ 191,000 | $ 101,000 |
| Kings County California | 6 | $ 1,329,000 | $ 221,000 | $ 157,000 |
| Bonner County Idaho | 6 | $ 1,682,000 | $ 280,000 | $ 131,000 |
| Kern County California | 5 | $ 636,000 | $ 127,000 | $ 222,000 |
| Arapahoe County Colorado | 5 | $ 2,604,000 | $ 520,000 | $ 214,000 |
| Mesa County Colorado | 5 | $ 1,009,000 | $ 201,000 | $ 84,000 |
| Idaho County Idaho | 5 | $ 958,000 | $ 191,000 | $ 81,000 |
| Power County Idaho | 5 | $ 763,000 | $ 152,000 | $ 80,000 |
| Daggett County Utah | 5 | $ 403,000 | $ 80,000 | $ 72,000 |
| Adams County Idaho | 4 | $ 826,000 | $ 206,000 | $ 64,000 |
| Butte County Idaho | 4 | $ 573,000 | $ 143,000 | $ 63,000 |
| Lemhi County Idaho | 4 | $ 1,148,000 | $ 287,000 | $ 248,000 |
| Lyon County Nevada | 4 | $ 669,000 | $ 167,000 | $ 263,000 |
| Graham County Arizona | 3 | $ 660,000 | $ 220,000 | $ 61,000 |
| Butte County California | 3 | $ 1,051,000 | $ 350,000 | $ 89,000 |
| Madera County California | 3 | $ 675,000 | $ 225,000 | $ 159,000 |
| Placer County California | 3 | $ 972,000 | $ 324,000 | $ 115,000 |
| Denver County Colorado | 3 | $ 344,000 | $ 114,000 | $ 42,000 |
| Ouray County Colorado | 3 | $ 422,000 | $ 140,000 | $ 206,000 |
| Summit County Colorado | 3 | $ 1,697,000 | $ 565,000 | $ 142,000 |
| Elmore County Idaho | 3 | $ 512,000 | $ 170,000 | $ 203,000 |
| Gem County Idaho | 3 | $ 416,000 | $ 138,000 | $ 70,000 |
| Humboldt County Nevada | 3 | $ 269,000 | $ 89,000 | $ 81,000 |
| Lincoln County Nevada | 3 | $ 679,000 | $ 226,000 | $ 81,000 |
| Nye County Nevada | 3 | $ 410,000 | $ 136,000 | $ 58,000 |
| Benton County Washington | 3 | $ 640,000 | $ 213,000 | $ 149,000 |
| Garfield County Washington | 3 | $ 340,000 | $ 113,000 | $ 108,000 |
| King County Washington | 3 | $ 913,000 | $ 304,000 | $ 85,000 |
| San Luis Obispo County California | 2 | $ 617,000 | $ 308,000 | $ 219,000 |
| Yolo County California | 2 | $ 379,000 | $ 189,000 | $ 138,000 |
| Archuleta County Colorado | 2 | $ 427,000 | $ 213,000 | $ 90,000 |
| Boulder County Colorado | 2 | $ 612,000 | $ 306,000 | $ 59,000 |
| Dolores County Colorado | 2 | $ 245,000 | $ 122,000 | $ 68,000 |
| Jefferson County Colorado | 2 | $ 1,380,000 | $ 690,000 | $ 209,000 |
| Montezuma County Colorado | 2 | $ 306,000 | $ 153,000 | $ 79,000 |
| Routt County Colorado | 2 | $ 923,000 | $ 461,000 | $ 89,000 |
| Boise County Idaho | 2 | $ 349,000 | $ 174,000 | $ 179,000 |
| Gallatin County Montana | 2 | $ 276,000 | $ 138,000 | $ 89,000 |
| Churchill County Nevada | 2 | $ 289,000 | $ 144,000 | $ 51,000 |
| Washoe County Nevada | 2 | $ 143,000 | $ 71,000 | $ 41,000 |
| White Pine County Nevada | 2 | $ 200,000 | $ 100,000 | $ 91,000 |
| Otero County New Mexico | 2 | $ 307,000 | $ 153,000 | $ 108,000 |
| San Juan County New Mexico | 2 | $ 767,000 | $ 383,000 | $ 135,000 |
| Multnomah County Oregon | 2 | $ 324,000 | $ 162,000 | $ 49,000 |
| Kitsap County Washington | 2 | $ 390,000 | $ 195,000 | $ 85,000 |
| Teton County Wyoming | 2 | $ 317,000 | $ 158,000 | $ 53,000 |
| La Paz County Arizona | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Santa Cruz County Arizona | 1 | $ 252,000 | $ 252,000 | $ 159,000 |
| Amador County California | 1 | $ 284,000 | $ 284,000 | $ 356,000 |
| Calaveras County California | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Glenn County California | 1 | $ 240,000 | $ 240,000 | $ 83,000 |
| Humboldt County California | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Imperial County California | 1 | $ 268,000 | $ 268,000 | $ 120,000 |
| Marin County California | 1 | $ 245,000 | $ 245,000 | $ 239,000 |
| Mendocino County California | 1 | $ 403,000 | $ 403,000 | $ 297,000 |
| Monterey County California | 1 | $ 200,000 | $ 200,000 | $ 185,000 |
| Napa County California | 1 | $ 250,000 | $ 250,000 | $ 75,000 |
| San Joaquin County California | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Santa Barbara County California | 1 | $ 207,000 | $ 207,000 | $ 354,000 |
| Santa Cruz County California | 1 | $ 415,000 | $ 415,000 | $ 94,000 |
| Stanislaus County California | 1 | $ 198,000 | $ 198,000 | $ 78,000 |
| Tehama County California | 1 | $ 140,000 | $ 140,000 | $ 164,000 |
| Tulare County California | 1 | $ 121,000 | $ 121,000 | $ 93,000 |
| Broomfield County Colorado | 1 | $ 116,000 | $ 116,000 | $ 127,000 |
| Delta County Colorado | 1 | $ 180,000 | $ 180,000 | $ 64,000 |
| Douglas County Colorado | 1 | $ 67,000 | $ 67,000 | $ 229,000 |
| Eagle County Colorado | 1 | $ 640,000 | $ 640,000 | $ 219,000 |
| Elbert County Colorado | 1 | $ 417,000 | $ 417,000 | $ 80,000 |
| Garfield County Colorado | 1 | $ 412,000 | $ 412,000 | $ 114,000 |
| Gunnison County Colorado | 1 | $ 191,000 | $ 191,000 | $ 495,000 |
| La Plata County Colorado | 1 | $ 190,000 | $ 190,000 | $ 54,000 |
| Montrose County Colorado | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Park County Colorado | 1 | $ 308,000 | $ 308,000 | $ 51,000 |
| Pitkin County Colorado | 1 | $ 382,000 | $ 382,000 | $ 53,000 |
| Pueblo County Colorado | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Teller County Colorado | 1 | $ 246,000 | $ 246,000 | $ 143,000 |
| District of Columbia County District Of Columbia | 1 | $ 530,000 | $ 530,000 | $ 168,000 |
| Miami-Dade County Florida | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Fulton County Georgia | 1 | $ 160,000 | $ 160,000 | $ 182,000 |
| Benewah County Idaho | 1 | $ 46,000 | $ 46,000 | $ 29,000 |
| Camas County Idaho | 1 | $ 22,000 | $ 22,000 | $ 62,000 |
| Clearwater County Idaho | 1 | $ 44,000 | $ 44,000 | $ 32,000 |
| Custer County Idaho | 1 | $ 388,000 | $ 388,000 | $ 71,000 |
| Kootenai County Idaho | 1 | $ 346,000 | $ 346,000 | $ 107,000 |
| Lewis County Idaho | 1 | $ 96,000 | $ 96,000 | $ 143,000 |
| Hampden County Massachusetts | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Plymouth County Massachusetts | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Ramsey County Minnesota | 1 | $ 50,000 | $ 50,000 | $ 450,000 |
| Taney County Missouri | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Deer Lodge County Montana | 1 | $ 116,000 | $ 116,000 | $ 38,000 |
| Lewis and Clark County Montana | 1 | $ 100,000 | $ 100,000 | $ 120,000 |
| Park County Montana | 1 | $ 256,000 | $ 256,000 | $ 133,000 |
| Ravalli County Montana | 1 | $ 190,000 | $ 190,000 | $ 408,000 |
| Bernalillo County New Mexico | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Hamilton County Ohio | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
| Baker County Oregon | 1 | $ 60,000 | $ 60,000 | $ 65,000 |
| Clackamas County Oregon | 1 | $ 190,000 | $ 190,000 | $ 45,000 |
| Deschutes County Oregon | 1 | $ 400,000 | $ 400,000 | $ 72,000 |
| Jackson County Oregon | 1 | $ 355,000 | $ 355,000 | $ 156,000 |
| Umatilla County Oregon | 1 | $ 51,000 | $ 51,000 | $ 86,000 |
| Union County Oregon | 1 | $ 141,000 | $ 141,000 | $ 77,000 |
| Washington County Oregon | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Bexar County Texas | 1 | $ 314,000 | $ 314,000 | $ 200,000 |
| Adams County Washington | 1 | $ 28,000 | $ 28,000 | $ 31,000 |
| Clark County Washington | 1 | $ 1,000,000 | $ 1,000,000 | $ 288,000 |
| Grant County Washington | 1 | $ 319,000 | $ 319,000 | $ 150,000 |
| Pierce County Washington | 1 | $ 169,000 | $ 169,000 | $ 62,000 |
| Snohomish County Washington | 1 | $ 299,000 | $ 299,000 | $ 260,000 |
| Spokane County Washington | 1 | $ 202,000 | $ 202,000 | $ 67,000 |
| Walla Walla County Washington | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Whatcom County Washington | 1 | $ 180,000 | $ 180,000 | $ 234,000 |
| Fremont County Wyoming | 1 | $ 286,000 | $ 286,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Zions First National Bank in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 6,675 | $1,259,201,000 | $188,000 | $3,550,000 | $102,000 | $9,536,000 |
| Home Purchase | 2,435 | $627,744,000 | $257,000 | $3,120,000 | $124,000 | $6,322,000 |
| Home Improvement | 616 | $38,307,000 | $62,000 | $1,500,000 | $83,000 | $2,920,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 8,322 | $1,628,364,000 | $195,000 | $3,550,000 | $107,000 | $9,536,000 |
| Not Provided | 663 | $149,515,000 | $225,000 | $2,535,000 | $115,000 | $1,415,000 |
| Hispanic | 394 | $63,029,000 | $159,000 | $1,391,000 | $72,000 | $2,920,000 |
| Asian | 218 | $53,897,000 | $247,000 | $1,820,000 | $115,000 | $1,254,000 |
| American Indian or Alaskan Native | 46 | $4,961,000 | $107,000 | $424,000 | $64,000 | $210,000 |
| Black or African American | 32 | $7,920,000 | $247,000 | $1,000,000 | $293,000 | $6,322,000 |
| Not applicable | 30 | $10,966,000 | $365,000 | $1,783,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 21 | $6,600,000 | $314,000 | $1,500,000 | $158,000 | $930,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,943 | $1,788,152,000 | $199,000 | $3,550,000 | $111,000 | $9,536,000 |
| FHA-insured (Federal Housing Administration) | 708 | $124,302,000 | $175,000 | $632,000 | $56,000 | $1,493,000 |
| VA-guaranteed (Veterans Administration) | 44 | $7,786,000 | $176,000 | $492,000 | $54,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $5,012,000 | $161,000 | $237,000 | $46,000 | $75,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,557 | $1,003,895,000 | $180,000 | $3,550,000 | $101,000 | $6,322,000 |
| Application Denied By Financial Institution | 1,769 | $355,337,000 | $200,000 | $3,120,000 | $89,000 | $2,013,000 |
| Application Approved But Not Accepted | 1,687 | $390,264,000 | $231,000 | $2,700,000 | $127,000 | $9,536,000 |
| Loan Purchased By The Institution | 599 | $152,805,000 | $255,000 | $730,000 | $157,000 | $4,657,000 |
| Application Withdrawn By Applicant | 90 | $18,213,000 | $202,000 | $840,000 | $76,000 | $468,000 |
| File Closed For Incompleteness | 24 | $4,738,000 | $197,000 | $632,000 | $74,000 | $326,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 534 | $130,340,000 | $244,000 | $3,120,000 | $119,000 | $1,575,000 |
| Credit History | 513 | $58,934,000 | $114,000 | $1,500,000 | $67,000 | $941,000 |
| Debt-To-Income Ratio | 410 | $92,574,000 | $225,000 | $1,600,000 | $63,000 | $752,000 |
| Other | 213 | $46,181,000 | $216,000 | $1,950,000 | $97,000 | $958,000 |
| Credit Application Incomplete | 29 | $9,512,000 | $328,000 | $1,197,000 | $164,000 | $1,358,000 |
| Unverifiable Information | 24 | $7,326,000 | $305,000 | $1,310,000 | $153,000 | $2,013,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $5,295,000 | $278,000 | $1,401,000 | $127,000 | $823,000 |
| Employment History | 18 | $3,150,000 | $175,000 | $416,000 | $75,000 | $300,000 |
| Mortgage Insurance Denied | 9 | $2,025,000 | $225,000 | $417,000 | $75,000 | $163,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions First National Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Zions First National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.