Purchase Originations
1,553
Ranked #276 nationally
Median Total Costs
$7,837
+17.3% vs national ($6,680)
↑ $159 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,362
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#433
among lenders with 500+ originations
Denial Rate
16.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,478 | 6.250% | $7,593 | $2,418 |
| fha | 58 | 5.875% | $12,145 | $1,962 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 296 | 6.125% | $9,070 | #24 |
| Texas | 267 | 6.125% | $8,754 | #169 |
| California | 257 | 6.125% | $9,060 | #125 |
| Nevada | 214 | 6.375% | $6,315 | #39 |
| Arizona | 146 | 6.500% | $10,707 | #84 |
| Idaho | 136 | 6.250% | $7,794 | #39 |
| Colorado | 128 | 6.250% | $5,741 | #97 |
| Washington | 72 | 5.875% | $6,073 | #127 |
| Wyoming | 24 | 6.125% | $6,416 | — |
| Oregon | 3 | 5.875% | $8,431 | — |
| Oklahoma | 2 | 6.374% | $5,022 | — |
| Connecticut | 1 | 6.125% | $7,588 | — |
| Florida | 1 | 7.000% | $5,932 | — |
| Michigan | 1 | 6.625% | $3,204 | — |
| Ohio | 1 | 6.750% | $4,873 | — |
| Pennsylvania | 1 | 6.375% | $4,970 | — |
| South Carolina | 1 | 4.625% | $19,619 | — |
| Virginia | 1 | 5.999% | $6,030 | — |
| Wisconsin | 1 | 6.500% | $4,053 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,915 | 5.938% | — | 32 | −$1,922 | |
| 2 | $5,931 | 6.188% | — | 20 | −$1,906 | |
| 3 | $6,202 | 6.625% | — | 42 | −$1,635 | |
| 4 | $6,268 | 5.750% | — | 31 | −$1,569 | |
| 5 | $6,574 | 6.375% | — | 179 | −$1,263 | |
| 6 | $6,714 | 6.188% | — | 20 | −$1,123 | |
| 7 | $7,134 | 6.000% | — | 138 | −$703 | |
| 8 | $7,489 | 6.375% | — | 26 | −$348 | |
| 9 | $7,578 | 6.375% | — | 28 | −$259 | |
| 10 | $7,717 | 6.125% | — | 39 | −$120 | |
| 11 | $8,512 | 6.312% | — | 22 | +$675 | |
| 12 | $8,732 | 6.000% | — | 116 | +$895 | |
| 13 | $9,272 | 6.250% | — | 50 | +$1,435 | |
| 14 | $10,013 | 6.438% | — | 24 | +$2,176 | |
| 15 | $10,539 | 6.375% | — | 47 | +$2,702 | |
| 16 | $10,570 | 5.999% | — | 34 | +$2,733 | |
| 17 | $11,230 | 5.875% | — | 21 | +$3,393 | |
| 18 | $12,405 | 6.000% | — | 49 | +$4,568 | |
| 19 | $19,280 | 6.625% | — | 32 | +$11,443 | |
| 20 | $32,160 | 6.312% | — | 22 | +$24,323 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Zions Bancorporation, N.A. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $515,000 | $335,000 | +$180,000 (+53.7%) |
| Median total closing costs | $7,837 | $7,127 | +$710 (+10.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.