Lender in Texas · HMDA 2025
Zions Bancorporation, N.A. mortgages in Texas
Zions Bancorporation, N.A.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Zions Bancorporation, N.A. originated 391 owner-occupied single-family loans in Texas from 822 completed applications.
Its median conventional purchase loan costs were $7,620 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.375% (Texas: 6.50%).
Loans in TX
391
of 822 applications
Denial rate
15.7%
Purchase · TX 10.2%
Rate spread
−0.14 pts
Conv. · TX +0.09 pts
Loan amount
$425,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 606 | 310 | 15.7% | 6.375% | −0.14 pts | $7,620 | $425,000 |
| Refinance | 92 | 41 | 18.5% | — | −0.18 pts | $4,770 | $555,000 |
| Cash-out refinance | 124 | 40 | 38.7% | — | +0.30 pts | $7,200 | $425,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Zions Bancorporation, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Saba County | 18 | 1 | 4.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology