Lender in California · HMDA 2025
Zions Bancorporation, N.A. mortgages in California
Zions Bancorporation, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Zions Bancorporation, N.A. originated 592 owner-occupied single-family loans in California from 1,058 completed applications.
Its median conventional purchase loan costs were $7,420 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.375% (California: 6.625%).
Loans in CA
592
of 1,058 applications
Denial rate
15.2%
Purchase · CA 8.9%
Rate spread
−0.17 pts
Conv. · CA +0.09 pts
Loan amount
$765,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 631 | 326 | 15.2% | 6.375% | −0.17 pts | $7,420 | $765,000 |
| Refinance | 332 | 223 | 16.0% | 6.125% | −0.32 pts | $1,010 | $735,000 |
| Cash-out refinance | 95 | 43 | 28.4% | — | −0.14 pts | $4,830 | $1,205,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology