Glacier Bank Mortgage Lending & HMDA Data, 2014

In 2014, Glacier Bank of Kalispell, MT reported 6,535 mortgage applications totaling $1.2 billion, down 19% from 2013. The average application was for $188,325, and applicants reported an average income of $89,450. 71% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Coeur D'Alene, ID (709), Billings, MT (552) and Spokane-Spokane Valley, WA (478) (applications in parentheses).

Mortgage Company & Address Glacier Bank
202 Main
Kalispell, MT 59901
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  
Total Number of Mortgage Applications 6,535
Total Mortgage Loan Application Amount $1,230,708,000
Average Mortgage Loan Application Amount $188,325
Highest Mortgage Loan Application Amount $19,200,000
Average Applicant Income $89,450
Highest Applicant Income $4,697,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Glacier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Glacier Bank by County in 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kootenai, Idaho 709 $ 129,106,000 $ 182,095 $ 82,000
Yellowstone, Montana 531 $ 105,390,000 $ 198,474 $ 81,000
Flathead, Montana 474 $ 105,430,000 $ 222,426 $ 103,000
Spokane, Washington 391 $ 73,369,000 $ 187,644 $ 94,000
Missoula, Montana 339 $ 92,495,000 $ 272,846 $ 94,000
Lewis and Clark, Montana 302 $ 49,325,000 $ 163,327 $ 80,000
Bannock, Idaho 289 $ 41,229,000 $ 142,660 $ 74,000
Gallatin, Montana 282 $ 67,806,000 $ 240,446 $ 106,000
Bonneville, Idaho 274 $ 45,035,000 $ 164,361 $ 74,000
Bonner, Idaho 243 $ 48,677,000 $ 200,316 $ 99,000
Ada, Idaho 207 $ 35,995,000 $ 173,888 $ 88,000
Canyon, Idaho 151 $ 18,817,000 $ 124,615 $ 53,000
Silver Bow, Montana 141 $ 16,555,000 $ 117,411 $ 64,000
Lincoln, Montana 133 $ 22,027,000 $ 165,616 $ 85,000
Park, Wyoming 130 $ 24,300,000 $ 186,923 $ 85,000
Ravalli, Montana 92 $ 18,080,000 $ 196,521 $ 88,000
Lake, Montana 76 $ 16,740,000 $ 220,263 $ 117,000
Uinta, Wyoming 76 $ 11,226,000 $ 147,710 $ 74,000
Boundary, Idaho 75 $ 10,644,000 $ 141,920 $ 68,000
La Plata, Colorado 72 $ 22,872,000 $ 317,666 $ 139,000
Lincoln, Wyoming 70 $ 11,524,000 $ 164,628 $ 104,000
Pend Oreille, Washington 67 $ 8,367,000 $ 124,880 $ 73,000
Platte, Wyoming 64 $ 8,267,000 $ 129,171 $ 61,000
Chelan, Washington 57 $ 13,336,000 $ 233,964 $ 225,000
Fergus, Montana 53 $ 7,671,000 $ 144,735 $ 69,000
Deer Lodge, Montana 50 $ 5,574,000 $ 111,480 $ 62,000
Sweetwater, Wyoming 50 $ 8,229,000 $ 164,580 $ 83,000
Sanders, Montana 46 $ 5,259,000 $ 114,326 $ 53,000
Jefferson, Montana 45 $ 11,391,000 $ 253,133 $ 131,000
Sublette, Wyoming 44 $ 9,185,000 $ 208,750 $ 100,000
Bingham, Idaho 39 $ 5,906,000 $ 151,435 $ 68,000
Jefferson, Idaho 31 $ 6,099,000 $ 196,741 $ 96,000
Madison, Idaho 31 $ 6,132,000 $ 197,806 $ 82,000
Okanogan, Washington 26 $ 5,124,000 $ 197,076 $ 86,000
Douglas, Washington 25 $ 4,729,000 $ 189,160 $ 131,000
Big Horn, Wyoming 25 $ 2,985,000 $ 119,400 $ 113,000
Goshen, Wyoming 24 $ 2,693,000 $ 112,208 $ 81,000
Shoshone, Idaho 23 $ 2,667,000 $ 115,956 $ 54,000
Madison, Montana 22 $ 12,450,000 $ 565,909 $ 444,000
Stillwater, Montana 22 $ 4,334,000 $ 197,000 $ 60,000
Blaine, Idaho 21 $ 7,312,000 $ 348,190 $ 132,000
Carbon, Montana 20 $ 3,453,000 $ 172,650 $ 88,000
Morgan, Utah 20 $ 2,775,000 $ 138,750 $ 58,000
Stevens, Washington 20 $ 4,505,000 $ 225,250 $ 88,000
Summit, Utah 19 $ 9,293,000 $ 489,105 $ 218,000
Powell, Montana 14 $ 3,990,000 $ 285,000 $ 343,000
Fremont, Idaho 13 $ 2,618,000 $ 201,384 $ 93,000
Granite, Montana 13 $ 2,661,000 $ 204,692 $ 125,000
Rio Blanco, Colorado 12 $ 750,000 $ 62,500 $ 48,000
Benewah, Idaho 11 $ 1,423,000 $ 129,363 $ 58,000
Gem, Idaho 11 $ 1,805,000 $ 164,090 $ 83,000
Scotts Bluff, Nebraska 11 $ 1,339,000 $ 121,727 $ 47,000
Moffat, Colorado 10 $ 1,422,000 $ 142,200 $ 46,000
Valley, Idaho 10 $ 1,251,000 $ 125,100 $ 57,000
Salt Lake, Utah 10 $ 2,593,000 $ 259,300 $ 99,000
Niobrara, Wyoming 10 $ 1,205,000 $ 120,500 $ 71,000
Caribou, Idaho 8 $ 719,000 $ 89,875 $ 50,000
Owyhee, Idaho 8 $ 1,047,000 $ 130,875 $ 52,000
Park, Montana 8 $ 1,491,000 $ 186,375 $ 111,000
King, Washington 8 $ 2,212,000 $ 276,500 $ 130,000
Weber, Utah 7 $ 1,122,000 $ 160,285 $ 148,000
Laramie, Wyoming 7 $ 1,109,000 $ 158,428 $ 150,000
Butte, Idaho 6 $ 725,000 $ 120,833 $ 59,000
Blaine, Montana 6 $ 659,000 $ 109,833 $ 30,000
Box Elder, Utah 6 $ 742,000 $ 123,666 $ 102,000
Maricopa, Arizona 5 $ 953,000 $ 190,600 $ 225,000
Mesa, Colorado 5 $ 974,000 $ 194,800 $ 103,000
Boise, Idaho 5 $ 846,000 $ 169,200 $ 81,000
Elmore, Idaho 5 $ 615,000 $ 123,000 $ 70,000
Power, Idaho 5 $ 715,000 $ 143,000 $ 50,000
Lincoln, Washington 5 $ 638,000 $ 127,600 $ 52,000
Routt, Colorado 4 $ 740,000 $ 185,000 $ 86,000
Latah, Idaho 4 $ 544,000 $ 136,000 $ 99,000
Payette, Idaho 4 $ 335,000 $ 83,750 $ 67,000
Cascade, Montana 4 $ 421,000 $ 105,250 $ 68,000
Wasatch, Utah 4 $ 1,025,000 $ 256,250 $ 59,000
Whitman, Washington 4 $ 492,000 $ 123,000 $ 49,000
Pima, Arizona 3 $ 701,000 $ 233,666 $ 148,000
Idaho, Idaho 3 $ 402,000 $ 134,000 $ 65,000
Lincoln, Idaho 3 $ 410,000 $ 136,666 $ 56,000
Nez Perce, Idaho 3 $ 676,000 $ 225,333 $ 66,000
Broadwater, Montana 3 $ 489,000 $ 163,000 $ 64,000
Musselshell, Montana 3 $ 525,000 $ 175,000 $ 81,000
Benton, Washington 3 $ 463,000 $ 154,333 $ 70,000
Clark, Washington 3 $ 866,000 $ 288,666 $ 132,000
Grant, Washington 3 $ 962,000 $ 320,666 $ 137,000
Pierce, Washington 3 $ 851,000 $ 283,666 $ 169,000
Snohomish, Washington 3 $ 841,000 $ 280,333 $ 174,000
Albany, Wyoming 3 $ 392,000 $ 130,666 $ 101,000
Converse, Wyoming 3 $ 451,000 $ 150,333 $ 53,000
Yavapai, Arizona 2 $ 2,270,000 $ 1,135,000 $ 173,000
Riverside, California 2 $ 667,000 $ 333,500 $ 138,000
Ventura, California 2 $ 490,000 $ 245,000 $ 62,000
Archuleta, Colorado 2 $ 717,000 $ 358,500 $ 143,000
Weld, Colorado 2 $ 313,000 $ 156,500 $ 85,000
Brevard, Florida 2 $ 165,000 $ 82,500 $ 31,000
Bear Lake, Idaho 2 $ 314,000 $ 157,000 $ 145,000
Camas, Idaho 2 $ 153,000 $ 76,500 $ 39,000
Clark, Idaho 2 $ 290,000 $ 145,000 $ 36,000
Teton, Idaho 2 $ 651,000 $ 325,500 $ 1,999,000
Washington, Idaho 2 $ 379,000 $ 189,500 $ 63,000
Hill, Montana 2 $ 374,000 $ 187,000 $ 74,000
Meagher, Montana 2 $ 541,000 $ 270,500 $ 310,000
Mineral, Montana 2 $ 293,000 $ 146,500 $ 32,000
Toole, Montana 2 $ 225,000 $ 112,500 $ 94,000
Sioux, Nebraska 2 $ 270,000 $ 135,000 $ 42,000
Clark, Nevada 2 $ 710,000 $ 355,000 $ 72,000
Yamhill, Oregon 2 $ 440,000 $ 220,000 $ 56,000
Davis, Utah 2 $ 696,000 $ 348,000 $ 61,000
Rich, Utah 2 $ 96,000 $ 48,000 $ 64,000
Ferry, Washington 2 $ 324,000 $ 162,000 $ 91,000
Kittitas, Washington 2 $ 360,000 $ 180,000 $ 209,000
Carbon, Wyoming 2 $ 91,000 $ 45,500 $ 53,000
Washakie, Wyoming 2 $ 202,000 $ 101,000 $ 49,000
Pinal, Arizona 1 $ 214,000 $ 214,000 $ 145,000
Orange, California 1 $ 132,000 $ 132,000 $ 146,000
Placer, California 1 $ 350,000 $ 350,000 $ 53,000
Stanislaus, California 1 $ 176,000 $ 176,000 $ 140,000
Cheyenne, Colorado 1 $ 8,000 $ 8,000 $ 215,000
Delta, Colorado 1 $ 33,000 $ 33,000 $ 95,000
Jefferson, Colorado 1 $ 600,000 $ 600,000 $ 0
Montezuma, Colorado 1 $ 438,000 $ 438,000 $ 0
Montrose, Colorado 1 $ 150,000 $ 150,000 $ 205,000
Ouray, Colorado 1 $ 260,000 $ 260,000 $ 99,000
San Juan, Colorado 1 $ 184,000 $ 184,000 $ 395,000
Cobb, Georgia 1 $ 100,000 $ 100,000 $ 58,000
Hawaii, Hawaii 1 $ 1,060,000 $ 1,060,000 $ 321,000
Maui, Hawaii 1 $ 324,000 $ 324,000 $ 434,000
Cassia, Idaho 1 $ 200,000 $ 200,000 $ 124,000
Custer, Idaho 1 $ 160,000 $ 160,000 $ 109,000
Franklin, Idaho 1 $ 107,000 $ 107,000 $ 40,000
Jerome, Idaho 1 $ 167,000 $ 167,000 $ 47,000
Lemhi, Idaho 1 $ 120,000 $ 120,000 $ 85,000
Twin Falls, Idaho 1 $ 233,000 $ 233,000 $ 50,000
Ford, Kansas 1 $ 132,000 $ 132,000 $ 108,000
Lake of the Woods, Minnesota 1 $ 88,000 $ 88,000 $ 41,000
Beaverhead, Montana 1 $ 333,000 $ 333,000 $ 109,000
Dawson, Montana 1 $ 152,000 $ 152,000 $ 143,000
Glacier, Montana 1 $ 158,000 $ 158,000 $ 96,000
Golden Valley, Montana 1 $ 89,000 $ 89,000 $ 28,000
Phillips, Montana 1 $ 102,000 $ 102,000 $ 60,000
Rosebud, Montana 1 $ 179,000 $ 179,000 $ 154,000
Sweet Grass, Montana 1 $ 223,000 $ 223,000 $ 50,000
Teton, Montana 1 $ 140,000 $ 140,000 $ 43,000
Valley, Montana 1 $ 94,000 $ 94,000 $ 25,000
Wheatland, Montana 1 $ 93,000 $ 93,000 $ 32,000
Cheyenne, Nebraska 1 $ 76,000 $ 76,000 $ 194,000
Strafford, New Hampshire 1 $ 200,000 $ 200,000 $ 184,000
San Juan, New Mexico 1 $ 126,000 $ 126,000 $ 106,000
Curry, Oregon 1 $ 280,000 $ 280,000 $ 56,000
Harney, Oregon 1 $ 101,000 $ 101,000 $ 40,000
Linn, Oregon 1 $ 189,000 $ 189,000 $ 114,000
Malheur, Oregon 1 $ 129,000 $ 129,000 $ 60,000
Multnomah, Oregon 1 $ 134,000 $ 134,000 $ 54,000
Polk, Oregon 1 $ 300,000 $ 300,000 $ 148,000
Umatilla, Oregon 1 $ 114,000 $ 114,000 $ 54,000
Franklin, Pennsylvania 1 $ 195,000 $ 195,000 $ 67,000
Carbon, Utah 1 $ 188,000 $ 188,000 $ 78,000
Grand, Utah 1 $ 164,000 $ 164,000 $ 51,000
Uintah, Utah 1 $ 154,000 $ 154,000 $ 0
Utah, Utah 1 $ 272,000 $ 272,000 $ 127,000
Washington, Utah 1 $ 305,000 $ 305,000 $ 258,000
Loudoun, Virginia 1 $ 178,000 $ 178,000 $ 180,000
Staunton, Virginia 1 $ 60,000 $ 60,000 $ 107,000
Adams, Washington 1 $ 179,000 $ 179,000 $ 50,000
Columbia, Washington 1 $ 95,000 $ 95,000 $ 33,000
Cowlitz, Washington 1 $ 236,000 $ 236,000 $ 99,000
Franklin, Washington 1 $ 289,000 $ 289,000 $ 85,000
Island, Washington 1 $ 330,000 $ 330,000 $ 175,000
Kitsap, Washington 1 $ 157,000 $ 157,000 $ 86,000
Mason, Washington 1 $ 96,000 $ 96,000 $ 43,000
Pacific, Washington 1 $ 152,000 $ 152,000 $ 58,000
Thurston, Washington 1 $ 211,000 $ 211,000 $ 48,000
Yakima, Washington 1 $ 127,000 $ 127,000 $ 26,000
Campbell, Wyoming 1 $ 59,000 $ 59,000 $ 150,000
Hot Springs, Wyoming 1 $ 125,000 $ 125,000 $ 99,000
Natrona, Wyoming 1 $ 274,000 $ 274,000 $ 101,000
Teton, Wyoming 1 $ 255,000 $ 255,000 $ 102,000

Mortgage Loan Application Detail Totals for Glacier Bank in 2014

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 4,618 $852,570,000 $184,000 $3,639,000 $88,000 $3,998,000
Refinancing 1,638 $344,298,000 $210,000 $19,200,000 $96,000 $4,697,000
Home Improvement 279 $33,840,000 $121,000 $4,000,000 $75,000 $1,315,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 5,940 $1,077,899,000 $181,000 $2,240,000 $91,000 $4,697,000
Not Provided 185 $44,953,000 $242,000 $3,639,000 $139,000 $1,839,000
Hispanic 185 $26,943,000 $145,000 $1,000,000 $63,000 $871,000
Not applicable 131 $63,647,000 $485,000 $19,200,000 $0 $0
Asian 37 $6,166,000 $166,000 $480,000 $76,000 $361,000
American Indian or Alaskan Native 33 $5,292,000 $160,000 $380,000 $68,000 $144,000
Black or African American 18 $4,495,000 $249,000 $1,920,000 $76,000 $432,000
Native Hawaiian or Other Pacific Islander 6 $1,313,000 $218,000 $369,000 $66,000 $118,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 4,908 $959,011,000 $195,000 $19,200,000 $100,000 $4,697,000
FHA-insured (Federal Housing Administration) 640 $97,247,000 $151,000 $471,000 $59,000 $383,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 528 $83,288,000 $157,000 $1,065,000 $46,000 $189,000
VA-guaranteed (Veterans Administration) 459 $91,162,000 $198,000 $628,000 $65,000 $326,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 4,632 $889,126,000 $191,000 $19,200,000 $94,000 $4,697,000
Application Denied By Financial Institution 757 $128,329,000 $169,000 $2,050,000 $63,000 $909,000
Application Approved But Not Accepted 513 $100,464,000 $195,000 $1,221,000 $102,000 $1,550,000
Application Withdrawn By Applicant 340 $65,390,000 $192,000 $2,240,000 $92,000 $1,100,000
Preapproval Denied by Financial Institution 187 $25,708,000 $137,000 $506,000 $48,000 $168,000
Preapproval Approved but not Accepted 53 $9,832,000 $185,000 $560,000 $67,000 $235,000
File Closed For Incompleteness 46 $10,647,000 $231,000 $683,000 $93,000 $573,000
Loan Purchased By The Institution 7 $1,212,000 $173,000 $417,000 $90,000 $192,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 449 $69,036,000 $153,000 $2,050,000 $60,000 $508,000
Debt-To-Income Ratio 275 $48,120,000 $174,000 $987,000 $44,000 $452,000
Collateral 119 $21,504,000 $180,000 $752,000 $87,000 $592,000
Other 38 $3,715,000 $97,000 $345,000 $64,000 $164,000
Employment History 28 $3,564,000 $127,000 $399,000 $51,000 $148,000
Insufficient Cash (Downpayment, Closing Cost) 16 $4,341,000 $271,000 $1,100,000 $87,000 $363,000
Unverifiable Information 8 $1,326,000 $165,000 $348,000 $67,000 $131,000
Credit Application Incomplete 2 $1,040,000 $520,000 $910,000 $481,000 $909,000
Mortgage Insurance Denied 1 $215,000 $215,000 $215,000 $80,000 $80,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Glacier Bank's 2014 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Glacier Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Montana, download the full spreadsheet with aggregated HMDA statistics today.

Download the Montana Lender List