Ground Figures
Lenders → Zions Bancorporation, N.A.

Zions Bancorporation, N.A.

Bank · #206 by purchase decisions in 2025 · Conventional 95%. Above 50% DTI on conventional files it approved 3% of 100.

Conventional · above 50% DTI
3%

approved of 100 decisions. Across all bands and programs: 78% of 2,125.

Purchase decisions
2,234
Approved, all
78%
Lender type
Bank
States with 50+ decisions
8

Approval by DTI band

Each row is approved versus denied among files whose decision used that ratio. Read the 50–60% row against the ≤43% row: a gap is the signature of a wall at 50.

Conventional

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%1,279
89%
11%
44–45%236
83%
21%
46–49%378
88%
49%
50–60%100
3%
100%
>60%132
0%
98%

Rates and costs

Compared with the national market in the same LTV band and points-paid cell; 30-year fixed conforming purchase loans. Builder-owned lenders buy rates down as a sales incentive, which is paid for in the house price.

Conventional rate vs market
-26 bps
Conventional median, no points
6.5%
Conventional median loan costs
$6,625
FHA median loan costs
$12,125
Why it says no: first-listed denial reason, 2025 WHY IT SAYS NO: FIRST-LISTED DENIAL REASON, 2025 Debt-to-income ratio Debt-to-income ratio: 59% approved of 273 59% Credit history Credit history: 14% approved of 64 14% Insufficient cash Insufficient cash: 10% approved of 45 10% Collateral Collateral: 9% approved of 41 9% Unverifiable information Unverifiable information: 4% approved of 18 4% Other Other: 3% approved of 13 3% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 76% approved of 1,231 76% LTV 80–95% LTV 80–95%: 85% approved of 369 85% LTV >95% LTV >95%: 80% approved of 588 80%

Where it lends

California (416), Utah (415), Texas (403), Nevada (279), Arizona (250), Colorado (172), Idaho (162), Washington (88), Wyoming (28), Oregon (9).

Compare Zions Bancorporation, N.A. with every lender in a state on the approvals, rates and fees pages.

Questions

Does Zions Bancorporation, N.A. approve loans with a DTI over 50%?

On conventional purchase files in 2025, Zions Bancorporation, N.A. approved 3% of 100 applications with a DTI between 50 and 60 percent. The table on this page shows every band.

Are Zions Bancorporation, N.A.'s rates competitive?

In 2025 its closed conventional loans were priced 26 basis points below the market median after matching LTV band and points paid.

Why does Zions Bancorporation, N.A. deny applications?

Its most common first-listed denial reason in 2025 was debt-to-income ratio (59% of denials), followed by credit history (14%).

Where does this come from?

Zions Bancorporation, N.A.'s own 2025 HMDA filing, as published by the CFPB. Purchase loans on site-built, one-unit, owner-occupied homes. Decisions, not policy: files screened out before a formal application never appear. Credit score is withheld from the public file.

Method

Approvals from the approvals dataset (originated vs. denied by DTI band). Rates: HMDA interest rate on 30-year fixed conforming purchase originations, compared cell by cell with the national market. Costs: Closing Disclosure total loan costs, binned to $250. Denial reasons: first reason listed on denied files. Lender type assigned from the name.

Corrections

Every figure traces to Zions Bancorporation, N.A.’s own filing. If a number looks wrong, write to us and we will re-run it.