Lender reviews › Zions Bancorporation, National Association
Zions Bancorporation, National Association: 2025 loan data
Zions Bancorporation, National Association's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as Zions Bancorporation, N.A.
- Home loans closed8,981Loans it funded in 2025
- Approval rate69.3%Of applications it said yes or no to
- Typical loan costs$5,747.25Middle amount, before taxes, prepaids and escrow
- Typical lender fees$1,829.81Its own charges to make the loan
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
Reported application outcomes and pricing, 2025
- Filed asZions Bancorporation, N.A.
- 2025 home loan decisionsOf 16,974 applications decided by Zions Bancorporation, N.A. in 2025, 8,981 were originated, 2,781 were approved but not accepted by the borrower, and 5,212 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 69.3%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 168 applications were withdrawn by the borrower, 79 were closed for incompleteness, and 3 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.11 percentage points below the average prime offer rate (reported on 8,775 originations, 206 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$5,747.25 — originated closed-end household loans, 2025, 2,868 of 2,879 loans. FFIEC HMDA data browser.
- Median origination charges$1,829.81 — originated closed-end household loans, 2025, 2,346 of 2,879 loans. FFIEC HMDA data browser.
- Median lender credits$1,000.00 — originated closed-end household loans, 2025, 1,653 of 2,879 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types8,883 Conventional, 72 FHA, 26 VA — of 8,981 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Zions Bancorporation, N.A. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.