(Some data included below & more in-depth data is available with Their top markets by origination volume include: Houston, Los Angeles, Las Vegas, Denver, and Heber among others. (This may mean they shy away fromįirst time homebuyers.) They have a low ratio of USDA loans. They have a a low proportion of FHA loans. Zions Bank has a high proportion of conventional loans. Zions Bank is a large bank specializing in Home Purchase loans.