We analyzed every closed loan from Zions Bancorporation — 2.7k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 37 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 11.40 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
Explore another lender or local market
Report Card
Zions Bancorporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 11.4 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
2,205 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
FHA
38 loans · 0.12% above market
Sound
Top 60% of lenders
3/5
VA
15 loans · 0.44% below market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
475 loans · 0.33% below market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,147 loans · 0.19% below market
Strong
Top 40% of lenders
4/5
Refinance
586 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 38 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,205 | 80.7% | -0.081%Below | $1,826Fees | ||||
FHA Loans | 38 | 1.4% | +0.120%Above | $1,774Fees | ||||
VA Loans | — | 15 | 0.5% | -0.443%Below | $1,783Fees | |||
Jumbo Loans | 475 | 17.4% | -0.327%Below | $865Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume2,205
Mix80.7%
Spread
-0.081%Below
Fees
$1,826Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume38
Mix1.4%
Spread
+0.120%Above
Fees
$1,774Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume15
Mix0.5%
Spread
-0.443%Below
Fees
$1,783Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume475
Mix17.4%
Spread
-0.327%Below
Fees
$865Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,147 | 78.6% | -0.192%Below | $1,743Fees | ||||
Refinance | 586 | 21.4% | +0.151%Above | $1,509Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume2,147
Mix78.6%
Spread
-0.192%Below
Fees
$1,743Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume586
Mix21.4%
Spread
+0.151%Above
Fees
$1,509Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,733
Applications
5,414
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
-0.114%
vs. market APOR
Avg Net Fees
$1,690
Origination − Credits
Pullthrough Rate
50.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$633,178
Avg Borrower Income
$296,038
Avg Property Value
$920,928
Geographic Coverage
Geographic Performance
Metro Areas
37
markets with activity
States Served
18
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
18Full-year 2024 · HMDALoans originated
< 2020–200200–500500+None
Midwest1
IA
South5
ALFLGATXVA
West12
AZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 37 metro areas
Top States by Place Specialization Score
Showing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.