Glacier Bank Mortgage Lending & HMDA Data, 2017

In 2017, Glacier Bank of Kalispell, MT reported 7,264 mortgage applications totaling $1.8 billion, down 14% from 2016. The average application was for $242,862, and applicants reported an average income of $106,805. 71% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Coeur D'Alene, ID (919), Billings, MT (683) and Spokane-Spokane Valley, WA (512) (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 7,264
Total Mortgage Loan Application Amount $1,764,155,000
Average Mortgage Loan Application Amount $242,862
Highest Mortgage Loan Application Amount $10,669,000
Average Applicant Income $106,805
Highest Applicant Income $3,651,000

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Act (HMDA) records Glacier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kootenai, Idaho 919 $ 212,034,000 $ 230,722 $ 95,000
Yellowstone, Montana 658 $ 134,883,000 $ 204,989 $ 83,000
Flathead, Montana 528 $ 170,081,000 $ 322,123 $ 127,000
Missoula, Montana 484 $ 137,369,000 $ 283,820 $ 118,000
Spokane, Washington 474 $ 109,529,000 $ 231,073 $ 96,000
Gallatin, Montana 467 $ 145,201,000 $ 310,922 $ 145,000
Lewis and Clark, Montana 308 $ 63,127,000 $ 204,957 $ 100,000
Bannock, Idaho 307 $ 55,652,000 $ 181,276 $ 74,000
Bonner, Idaho 286 $ 77,868,000 $ 272,265 $ 136,000
Bonneville, Idaho 205 $ 40,760,000 $ 198,829 $ 85,000
Ada, Idaho 171 $ 36,290,000 $ 212,222 $ 103,000
Silver Bow, Montana 162 $ 24,546,000 $ 151,518 $ 73,000
Park, Wyoming 152 $ 32,207,000 $ 211,888 $ 91,000
Ravalli, Montana 116 $ 28,714,000 $ 247,534 $ 108,000
Lincoln, Montana 113 $ 32,079,000 $ 283,884 $ 72,000
Lake, Montana 112 $ 37,473,000 $ 334,580 $ 137,000
Platte, Wyoming 87 $ 18,520,000 $ 212,873 $ 158,000
La Plata, Colorado 75 $ 25,625,000 $ 341,666 $ 147,000
Canyon, Idaho 75 $ 12,076,000 $ 161,013 $ 69,000
Chelan, Washington 68 $ 21,480,000 $ 315,882 $ 239,000
Boundary, Idaho 67 $ 12,126,000 $ 180,985 $ 70,000
Uinta, Wyoming 64 $ 11,740,000 $ 183,437 $ 106,000
Lincoln, Wyoming 56 $ 12,015,000 $ 214,553 $ 81,000
Sublette, Wyoming 56 $ 11,563,000 $ 206,482 $ 102,000
Blaine, Idaho 52 $ 19,494,000 $ 374,884 $ 167,000
Deer Lodge, Montana 50 $ 6,233,000 $ 124,660 $ 81,000
Goshen, Wyoming 49 $ 8,770,000 $ 178,979 $ 102,000
Fergus, Montana 44 $ 6,803,000 $ 154,613 $ 71,000
Jefferson, Montana 44 $ 11,471,000 $ 260,704 $ 110,000
Pueblo, Colorado 40 $ 5,299,000 $ 132,475 $ 124,000
Madison, Montana 40 $ 16,423,000 $ 410,575 $ 301,000
Sanders, Montana 40 $ 7,303,000 $ 182,575 $ 114,000
El Paso, Colorado 38 $ 9,929,000 $ 261,289 $ 86,000
Bingham, Idaho 38 $ 7,819,000 $ 205,763 $ 84,000
Mesa, Colorado 36 $ 8,840,000 $ 245,555 $ 101,000
Shoshone, Idaho 36 $ 4,545,000 $ 126,250 $ 49,000
Okanogan, Washington 31 $ 5,733,000 $ 184,935 $ 102,000
Douglas, Washington 26 $ 9,042,000 $ 347,769 $ 217,000
Fremont, Colorado 24 $ 3,369,000 $ 140,375 $ 94,000
Carbon, Montana 24 $ 6,060,000 $ 252,500 $ 96,000
Big Horn, Wyoming 23 $ 3,607,000 $ 156,826 $ 52,000
Jefferson, Idaho 22 $ 4,954,000 $ 225,181 $ 81,000
Morgan, Utah 21 $ 8,320,000 $ 396,190 $ 191,000
Yuma, Arizona 20 $ 8,474,000 $ 423,700 $ 332,000
Summit, Utah 20 $ 8,499,000 $ 424,950 $ 193,000
Broadwater, Montana 19 $ 3,753,000 $ 197,526 $ 149,000
Granite, Montana 19 $ 5,046,000 $ 265,578 $ 110,000
Pend Oreille, Washington 19 $ 3,392,000 $ 178,526 $ 85,000
Stevens, Washington 19 $ 3,777,000 $ 198,789 $ 81,000
Sweetwater, Wyoming 19 $ 4,225,000 $ 222,368 $ 75,000
Madison, Idaho 18 $ 6,748,000 $ 374,888 $ 76,000
Rio Blanco, Colorado 16 $ 2,770,000 $ 173,125 $ 68,000
Yavapai, Arizona 14 $ 3,379,000 $ 241,357 $ 20,000
Moffat, Colorado 14 $ 2,121,000 $ 151,500 $ 55,000
Routt, Colorado 14 $ 4,225,000 $ 301,785 $ 171,000
Mineral, Montana 14 $ 2,696,000 $ 192,571 $ 91,000
Stillwater, Montana 14 $ 3,855,000 $ 275,357 $ 96,000
Benewah, Idaho 12 $ 2,135,000 $ 177,916 $ 64,000
Fremont, Idaho 11 $ 2,732,000 $ 248,363 $ 160,000
Park, Montana 11 $ 3,022,000 $ 274,727 $ 105,000
Weber, Utah 11 $ 2,837,000 $ 257,909 $ 149,000
Archuleta, Colorado 9 $ 1,685,000 $ 187,222 $ 118,000
Denver, Colorado 8 $ 2,907,000 $ 363,375 $ 245,000
Gem, Idaho 8 $ 1,114,000 $ 139,250 $ 77,000
Blaine, Montana 8 $ 1,288,000 $ 161,000 $ 60,000
Scotts Bluff, Nebraska 8 $ 747,000 $ 93,375 $ 98,000
Niobrara, Wyoming 8 $ 960,000 $ 120,000 $ 60,000
Beaverhead, Montana 7 $ 1,238,000 $ 176,857 $ 93,000
Benton, Washington 7 $ 2,155,000 $ 307,857 $ 100,000
Grant, Washington 7 $ 976,000 $ 139,428 $ 41,000
Latah, Idaho 6 $ 898,000 $ 149,666 $ 62,000
Power, Idaho 6 $ 1,292,000 $ 215,333 $ 65,000
Musselshell, Montana 6 $ 1,280,000 $ 213,333 $ 61,000
Albany, Wyoming 6 $ 3,046,000 $ 507,666 $ 144,000
Caribou, Idaho 5 $ 406,000 $ 81,200 $ 44,000
Valley, Idaho 5 $ 1,327,000 $ 265,400 $ 164,000
Davis, Utah 5 $ 1,872,000 $ 374,400 $ 52,000
Wasatch, Utah 5 $ 1,906,000 $ 381,200 $ 122,000
Whitman, Washington 5 $ 894,000 $ 178,800 $ 55,000
Fremont, Wyoming 5 $ 4,977,000 $ 995,400 $ 55,000
Laramie, Wyoming 5 $ 1,182,000 $ 236,400 $ 138,000
Maricopa, Arizona 4 $ 924,000 $ 231,000 $ 75,000
Delta, Colorado 4 $ 748,000 $ 187,000 $ 32,000
San Juan, Colorado 4 $ 784,000 $ 196,000 $ 88,000
Boise, Idaho 4 $ 601,000 $ 150,250 $ 83,000
Butte, Idaho 4 $ 586,000 $ 146,500 $ 47,000
Twin Falls, Idaho 4 $ 722,000 $ 180,500 $ 118,000
Powell, Montana 4 $ 607,000 $ 151,750 $ 62,000
Natrona, Wyoming 4 $ 5,328,000 $ 1,332,000 $ 89,000
Montezuma, Colorado 3 $ 525,000 $ 175,000 $ 36,000
Elmore, Idaho 3 $ 710,000 $ 236,666 $ 180,000
Owyhee, Idaho 3 $ 420,000 $ 140,000 $ 59,000
Teton, Idaho 3 $ 760,000 $ 253,333 $ 88,000
Big Horn, Montana 3 $ 587,000 $ 195,666 $ 40,000
Glacier, Montana 3 $ 372,000 $ 124,000 $ 61,000
Hill, Montana 3 $ 298,000 $ 99,333 $ 111,000
Sweet Grass, Montana 3 $ 738,000 $ 246,000 $ 48,000
Valley, Montana 3 $ 641,000 $ 213,666 $ 153,000
Wheatland, Montana 3 $ 307,000 $ 102,333 $ 42,000
Box Elder, Utah 3 $ 566,000 $ 188,666 $ 36,000
Cache, Utah 3 $ 1,205,000 $ 401,666 $ 76,000
Rich, Utah 3 $ 352,000 $ 117,333 $ 41,000
Salt Lake, Utah 3 $ 753,000 $ 251,000 $ 98,000
Pierce, Washington 3 $ 759,000 $ 253,000 $ 79,000
Pima, Arizona 2 $ 206,000 $ 103,000 $ 90,000
Adams, Colorado 2 $ 459,000 $ 229,500 $ 60,000
Arapahoe, Colorado 2 $ 619,000 $ 309,500 $ 0
Douglas, Colorado 2 $ 832,000 $ 416,000 $ 135,000
Jefferson, Colorado 2 $ 450,000 $ 225,000 $ 129,000
Teller, Colorado 2 $ 482,000 $ 241,000 $ 17,000
Oneida, Idaho 2 $ 208,000 $ 104,000 $ 21,000
Payette, Idaho 2 $ 376,000 $ 188,000 $ 88,000
Cascade, Montana 2 $ 504,000 $ 252,000 $ 70,000
Meagher, Montana 2 $ 173,000 $ 86,500 $ 112,000
Teton, Montana 2 $ 182,000 $ 91,000 $ 52,000
Utah, Utah 2 $ 1,206,000 $ 603,000 $ 223,000
Ferry, Washington 2 $ 313,000 $ 156,500 $ 93,000
Grays Harbor, Washington 2 $ 352,000 $ 176,000 $ 66,000
King, Washington 2 $ 813,000 $ 406,500 $ 208,000
Lincoln, Washington 2 $ 388,000 $ 194,000 $ 75,000
Carbon, Wyoming 2 $ 270,000 $ 135,000 $ 59,000
Converse, Wyoming 2 $ 605,000 $ 302,500 $ 67,000
Coconino, Arizona 1 $ 100,000 $ 100,000 $ 112,000
La Paz, Arizona 1 $ 300,000 $ 300,000 $ 120,000
Pinal, Arizona 1 $ 158,000 $ 158,000 $ 128,000
Boulder, Colorado 1 $ 268,000 $ 268,000 $ 229,000
Chaffee, Colorado 1 $ 163,000 $ 163,000 $ 27,000
Custer, Colorado 1 $ 727,000 $ 727,000 $ 0
Gunnison, Colorado 1 $ 206,000 $ 206,000 $ 177,000
Huerfano, Colorado 1 $ 156,000 $ 156,000 $ 122,000
Larimer, Colorado 1 $ 281,000 $ 281,000 $ 15,000
Mineral, Colorado 1 $ 165,000 $ 165,000 $ 116,000
Montrose, Colorado 1 $ 130,000 $ 130,000 $ 27,000
Pitkin, Colorado 1 $ 704,000 $ 704,000 $ 360,000
Rio Grande, Colorado 1 $ 143,000 $ 143,000 $ 52,000
San Miguel, Colorado 1 $ 341,000 $ 341,000 $ 406,000
Summit, Colorado 1 $ 875,000 $ 875,000 $ 180,000
Maui, Hawaii 1 $ 175,000 $ 175,000 $ 0
Adams, Idaho 1 $ 199,000 $ 199,000 $ 131,000
Bear Lake, Idaho 1 $ 358,000 $ 358,000 $ 100,000
Camas, Idaho 1 $ 66,000 $ 66,000 $ 1,421,000
Franklin, Idaho 1 $ 560,000 $ 560,000 $ 387,000
Gooding, Idaho 1 $ 162,000 $ 162,000 $ 28,000
Nez Perce, Idaho 1 $ 189,000 $ 189,000 $ 70,000
Custer, Montana 1 $ 103,000 $ 103,000 $ 52,000
Garfield, Montana 1 $ 420,000 $ 420,000 $ 0
Golden Valley, Montana 1 $ 170,000 $ 170,000 $ 36,000
Judith Basin, Montana 1 $ 261,000 $ 261,000 $ 66,000
Phillips, Montana 1 $ 156,000 $ 156,000 $ 22,000
Powder River, Montana 1 $ 113,000 $ 113,000 $ 0
Richland, Montana 1 $ 261,000 $ 261,000 $ 320,000
Buffalo, Nebraska 1 $ 80,000 $ 80,000 $ 0
Sioux, Nebraska 1 $ 465,000 $ 465,000 $ 296,000
Williams, North Dakota 1 $ 258,000 $ 258,000 $ 0
Cuyahoga, Ohio 1 $ 95,000 $ 95,000 $ 156,000
Clackamas, Oregon 1 $ 260,000 $ 260,000 $ 421,000
Malheur, Oregon 1 $ 349,000 $ 349,000 $ 0
Daggett, Utah 1 $ 140,000 $ 140,000 $ 48,000
Kane, Utah 1 $ 284,000 $ 284,000 $ 146,000
Sanpete, Utah 1 $ 309,000 $ 309,000 $ 75,000
Washington, Utah 1 $ 190,000 $ 190,000 $ 45,000
Clallam, Washington 1 $ 183,000 $ 183,000 $ 251,000
Clark, Washington 1 $ 299,000 $ 299,000 $ 48,000
Jefferson, Washington 1 $ 209,000 $ 209,000 $ 50,000
Klickitat, Washington 1 $ 251,000 $ 251,000 $ 77,000
Snohomish, Washington 1 $ 387,000 $ 387,000 $ 112,000
Whatcom, Washington 1 $ 214,000 $ 214,000 $ 142,000
Campbell, Wyoming 1 $ 169,000 $ 169,000 $ 48,000
Crook, Wyoming 1 $ 358,000 $ 358,000 $ 0
Sheridan, Wyoming 1 $ 109,000 $ 109,000 $ 0
Teton, Wyoming 1 $ 1,013,000 $ 1,013,000 $ 0
Washakie, Wyoming 1 $ 84,000 $ 84,000 $ 30,000

Mortgage Loan Application Detail Totals for Glacier Bank in 2017

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 5,403 $1,335,192,000 $247,000 $10,313,000 $109,000 $3,651,000
Refinancing 1,511 $357,980,000 $236,000 $10,669,000 $101,000 $2,171,000
Home Improvement 350 $70,983,000 $202,000 $2,550,000 $98,000 $1,424,000

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 6,408 $1,488,660,000 $232,000 $5,460,000 $109,000 $3,651,000
Not Provided 291 $79,681,000 $273,000 $2,124,000 $174,000 $2,334,000
Not applicable 252 $131,219,000 $520,000 $10,669,000 $10,000 $2,018,000
Hispanic 184 $35,635,000 $193,000 $920,000 $88,000 $532,000
Asian 49 $12,663,000 $258,000 $1,134,000 $131,000 $866,000
American Indian or Alaskan Native 37 $5,960,000 $161,000 $360,000 $54,000 $170,000
Native Hawaiian or Other Pacific Islander 24 $5,565,000 $231,000 $726,000 $145,000 $786,000
Black or African American 19 $4,772,000 $251,000 $1,120,000 $99,000 $484,000

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) 5,778 $1,461,348,000 $252,000 $10,669,000 $118,000 $3,651,000
FHA-insured (Federal Housing Administration) 681 $129,671,000 $190,000 $363,000 $66,000 $961,000
VA-guaranteed (Veterans Administration) 465 $114,304,000 $245,000 $1,054,000 $77,000 $525,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 340 $58,832,000 $173,000 $560,000 $48,000 $168,000

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 5,171 $1,248,683,000 $241,000 $10,669,000 $108,000 $3,651,000
Application Approved But Not Accepted 1,080 $277,597,000 $257,000 $4,500,000 $114,000 $2,200,000
Application Denied By Financial Institution 629 $137,994,000 $219,000 $5,460,000 $79,000 $1,353,000
Application Withdrawn By Applicant 362 $95,973,000 $265,000 $2,213,000 $129,000 $2,200,000
File Closed For Incompleteness 21 $3,762,000 $179,000 $480,000 $108,000 $656,000
Loan Purchased By The Institution 1 $146,000 $146,000 $146,000 $34,000 $34,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

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 207 $45,029,000 $217,000 $5,460,000 $81,000 $510,000
Debt-To-Income Ratio 204 $42,555,000 $208,000 $1,025,000 $48,000 $288,000
Collateral 133 $28,891,000 $217,000 $1,243,000 $112,000 $1,353,000
Insufficient Cash (Downpayment, Closing Cost) 29 $7,386,000 $254,000 $1,092,000 $89,000 $509,000
Other 29 $9,188,000 $316,000 $1,920,000 $143,000 $782,000
Employment History 19 $3,345,000 $176,000 $293,000 $49,000 $107,000
Unverifiable Information 6 $985,000 $164,000 $332,000 $61,000 $115,000
Credit Application Incomplete 2 $615,000 $307,000 $372,000 $74,000 $81,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Glacier Bank's 2017 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.
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