Glacier Bank Mortgage Lending & HMDA Data, 2019

In 2019, Glacier Bank of Kalispell, MT reported 11,404 mortgage applications totaling $2.7 billion, up 6% from 2018. The average application was for $234,209, and applicants reported an average income of $122,239. 71% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Coeur D'Alene, ID (1,277), Billings, MT (751) and Missoula, MT (650) (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 11,404
Total Mortgage Loan Application Amount $2,670,930,000
Average Mortgage Loan Application Amount $234,209
Highest Mortgage Loan Application Amount $13,755,000
Average Applicant Income $122,239
Highest Applicant Income $5,369,000

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Act (HMDA) records Glacier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kootenai, Idaho 1,277 $ 331,565,000 $ 259,643 $ 118,000
Flathead, Montana 1,026 $ 251,960,000 $ 245,575 $ 149,000
Gallatin, Montana 817 $ 267,685,000 $ 327,643 $ 148,000
Yellowstone, Montana 705 $ 132,525,000 $ 187,978 $ 89,000
Missoula, Montana 650 $ 132,920,000 $ 204,492 $ 137,000
Spokane, Washington 542 $ 160,440,000 $ 296,014 $ 137,000
Lewis and Clark, Montana 521 $ 93,095,000 $ 178,685 $ 111,000
Bonner, Idaho 509 $ 128,905,000 $ 253,251 $ 125,000
Bannock, Idaho 445 $ 77,365,000 $ 173,853 $ 97,000
Ada, Idaho 353 $ 74,665,000 $ 211,515 $ 130,000
Lake, Montana 262 $ 57,400,000 $ 219,083 $ 148,000
Park, Wyoming 226 $ 44,400,000 $ 196,460 $ 99,000
Ravalli, Montana 216 $ 43,460,000 $ 201,203 $ 113,000
Silver Bow, Montana 212 $ 32,000,000 $ 150,943 $ 90,000
Lincoln, Montana 197 $ 30,875,000 $ 156,725 $ 86,000
Boundary, Idaho 153 $ 22,575,000 $ 147,549 $ 68,000
Canyon, Idaho 151 $ 25,895,000 $ 171,490 $ 91,000
Platte, Wyoming 120 $ 17,170,000 $ 143,083 $ 83,000
La Plata, Colorado 118 $ 29,660,000 $ 251,355 $ 122,000
Bonneville, Idaho 112 $ 22,410,000 $ 200,089 $ 118,000
Uinta, Wyoming 110 $ 17,570,000 $ 159,727 $ 100,000
Lincoln, Wyoming 109 $ 22,765,000 $ 208,853 $ 108,000
Deer Lodge, Montana 103 $ 11,255,000 $ 109,271 $ 71,000
Fergus, Montana 100 $ 14,710,000 $ 147,100 $ 83,000
Chelan, Washington 100 $ 34,390,000 $ 343,900 $ 202,000
Sanders, Montana 78 $ 10,250,000 $ 131,410 $ 85,000
Blaine, Idaho 77 $ 17,945,000 $ 233,051 $ 148,000
Jefferson, Montana 74 $ 14,170,000 $ 191,486 $ 134,000
Denver, Colorado 67 $ 49,705,000 $ 741,865 $ 478,000
Bingham, Idaho 65 $ 16,215,000 $ 249,461 $ 107,000
Chaffee, Colorado 63 $ 12,745,000 $ 202,301 $ 97,000
Pueblo, Colorado 63 $ 12,405,000 $ 196,904 $ 93,000
El Paso, Colorado 61 $ 16,675,000 $ 273,360 $ 184,000
Douglas, Washington 53 $ 15,705,000 $ 296,320 $ 162,000
Shoshone, Idaho 52 $ 5,710,000 $ 109,807 $ 76,000
Madison, Montana 52 $ 19,620,000 $ 377,307 $ 244,000
Summit, Utah 51 $ 17,155,000 $ 336,372 $ 202,000
Yuma, Arizona 50 $ 8,530,000 $ 170,600 $ 96,000
Archuleta, Colorado 49 $ 11,065,000 $ 225,816 $ 117,000
Mesa, Colorado 49 $ 9,835,000 $ 200,714 $ 139,000
Pend Oreille, Washington 46 $ 7,690,000 $ 167,173 $ 74,000
Goshen, Wyoming 45 $ 5,465,000 $ 121,444 $ 66,000
Sublette, Wyoming 45 $ 9,865,000 $ 219,222 $ 85,000
Sweetwater, Wyoming 45 $ 7,515,000 $ 167,000 $ 103,000
Okanogan, Washington 44 $ 8,010,000 $ 182,045 $ 97,000
Broadwater, Montana 42 $ 8,990,000 $ 214,047 $ 93,000
Park, Montana 42 $ 13,390,000 $ 318,809 $ 93,000
Fremont, Colorado 39 $ 6,445,000 $ 165,256 $ 92,000
Big Horn, Wyoming 38 $ 5,330,000 $ 140,263 $ 72,000
Teton, Montana 31 $ 3,745,000 $ 120,806 $ 86,000
Morgan, Utah 31 $ 8,265,000 $ 266,612 $ 112,000
Carbon, Montana 30 $ 6,200,000 $ 206,666 $ 118,000
Yavapai, Arizona 27 $ 5,935,000 $ 219,814 $ 116,000
Jefferson, Idaho 26 $ 6,260,000 $ 240,769 $ 96,000
Arapahoe, Colorado 25 $ 11,735,000 $ 469,400 $ 287,000
Granite, Montana 24 $ 5,230,000 $ 217,916 $ 145,000
Salt Lake, Utah 23 $ 9,605,000 $ 417,608 $ 174,000
Routt, Colorado 21 $ 4,355,000 $ 207,380 $ 224,000
Madison, Idaho 21 $ 13,025,000 $ 620,238 $ 82,000
Mineral, Montana 21 $ 3,705,000 $ 176,428 $ 69,000
Fremont, Idaho 20 $ 3,960,000 $ 198,000 $ 114,000
Box Elder, Utah 20 $ 2,730,000 $ 136,500 $ 65,000
Maricopa, Arizona 19 $ 6,275,000 $ 330,263 $ 241,000
Benewah, Idaho 19 $ 3,085,000 $ 162,368 $ 102,000
Stillwater, Montana 16 $ 3,320,000 $ 207,500 $ 87,000
Stevens, Washington 16 $ 3,420,000 $ 213,750 $ 146,000
Douglas, Colorado 15 $ 5,385,000 $ 359,000 $ 213,000
Jefferson, Colorado 15 $ 7,355,000 $ 490,333 $ 143,000
Chouteau, Montana 15 $ 1,715,000 $ 114,333 $ 84,000
Powell, Montana 15 $ 6,245,000 $ 416,333 $ 180,000
Power, Idaho 14 $ 3,210,000 $ 229,285 $ 74,000
Cascade, Montana 14 $ 1,200,000 $ 85,714 $ 84,000
Wasatch, Utah 14 $ 4,810,000 $ 343,571 $ 183,000
Adams, Colorado 13 $ 7,795,000 $ 599,615 $ 70,000
Utah, Utah 13 $ 4,495,000 $ 345,769 $ 152,000
Coconino, Arizona 12 $ 4,750,000 $ 395,833 $ 124,000
Twin Falls, Idaho 12 $ 2,810,000 $ 234,166 $ 76,000
Laramie, Wyoming 12 $ 3,700,000 $ 308,333 $ 188,000
Rio Blanco, Colorado 11 $ 1,905,000 $ 173,181 $ 76,000
Davis, Utah 11 $ 9,305,000 $ 845,909 $ 104,000
Teton, Idaho 10 $ 3,250,000 $ 325,000 $ 190,000
Blaine, Montana 9 $ 1,075,000 $ 119,444 $ 71,000
Weber, Utah 9 $ 1,265,000 $ 140,555 $ 112,000
Whitman, Washington 9 $ 2,265,000 $ 251,666 $ 72,000
Montezuma, Colorado 8 $ 2,050,000 $ 256,250 $ 96,000
Caribou, Idaho 8 $ 3,020,000 $ 377,500 $ 89,000
Valley, Idaho 8 $ 2,670,000 $ 333,750 $ 308,000
Niobrara, Wyoming 8 $ 860,000 $ 107,500 $ 83,000
Moffat, Colorado 7 $ 1,515,000 $ 216,428 $ 52,000
Liberty, Montana 7 $ 545,000 $ 77,857 $ 63,000
Pinal, Arizona 6 $ 10,870,000 $ 1,811,666 $ 77,000
Teller, Colorado 6 $ 3,500,000 $ 583,333 $ 220,000
Payette, Idaho 6 $ 760,000 $ 126,666 $ 89,000
Washoe, Nevada 6 $ 2,500,000 $ 416,666 $ 148,000
Pima, Arizona 5 $ 3,475,000 $ 695,000 $ 297,000
San Juan, Colorado 5 $ 1,085,000 $ 217,000 $ 127,000
Latah, Idaho 5 $ 775,000 $ 155,000 $ 211,000
San Juan, New Mexico 5 $ 665,000 $ 133,000 $ 59,000
Cache, Utah 5 $ 785,000 $ 157,000 $ 137,000
Washington, Utah 5 $ 1,235,000 $ 247,000 $ 157,000
King, Washington 5 $ 1,395,000 $ 279,000 $ 140,000
Pierce, Washington 5 $ 1,525,000 $ 305,000 $ 206,000
Natrona, Wyoming 5 $ 1,575,000 $ 315,000 $ 209,000
Bear Lake, Idaho 4 $ 1,090,000 $ 272,500 $ 160,000
Gem, Idaho 4 $ 470,000 $ 117,500 $ 157,000
Nez Perce, Idaho 4 $ 750,000 $ 187,500 $ 118,000
Beaverhead, Montana 4 $ 940,000 $ 235,000 $ 130,000
Musselshell, Montana 4 $ 570,000 $ 142,500 $ 77,000
Benton, Washington 4 $ 880,000 $ 220,000 $ 85,000
Clark, Washington 4 $ 920,000 $ 230,000 $ 109,000
Lincoln, Washington 4 $ 770,000 $ 192,500 $ 113,000
Campbell, Wyoming 4 $ 260,000 $ 65,000 $ 50,000
Gila, Arizona 3 $ 1,955,000 $ 651,666 $ 57,000
Mohave, Arizona 3 $ 365,000 $ 121,666 $ 239,000
Custer, Colorado 3 $ 835,000 $ 278,333 $ 117,000
Otero, Colorado 3 $ 575,000 $ 191,666 $ 110,000
Park, Colorado 3 $ 505,000 $ 168,333 $ 155,000
Saguache, Colorado 3 $ 485,000 $ 161,666 $ 41,000
San Miguel, Colorado 3 $ 1,755,000 $ 585,000 $ 203,000
Boise, Idaho 3 $ 1,195,000 $ 398,333 $ 457,000
Cassia, Idaho 3 $ 415,000 $ 138,333 $ 68,000
Elmore, Idaho 3 $ 385,000 $ 128,333 $ 66,000
Franklin, Idaho 3 $ 745,000 $ 248,333 $ 81,000
Oneida, Idaho 3 $ 695,000 $ 231,666 $ 94,000
Hill, Montana 3 $ 415,000 $ 138,333 $ 199,000
Judith Basin, Montana 3 $ 175,000 $ 58,333 $ 87,000
Scotts Bluff, Nebraska 3 $ 395,000 $ 131,666 $ 79,000
Sheridan, Nebraska 3 $ 585,000 $ 195,000 $ 78,000
Grant, Washington 3 $ 315,000 $ 105,000 $ 78,000
Kitsap, Washington 3 $ 665,000 $ 221,666 $ 86,000
Mason, Washington 3 $ 465,000 $ 155,000 $ 51,000
Snohomish, Washington 3 $ 1,035,000 $ 345,000 $ 142,000
Yakima, Washington 3 $ 715,000 $ 238,333 $ 105,000
Fremont, Wyoming 3 $ 755,000 $ 251,666 $ 87,000
Elbert, Colorado 2 $ 910,000 $ 455,000 $ 199,000
Larimer, Colorado 2 $ 570,000 $ 285,000 $ 224,000
Weld, Colorado 2 $ 620,000 $ 310,000 $ 90,000
Owyhee, Idaho 2 $ 380,000 $ 190,000 $ 86,000
Washington, Idaho 2 $ 60,000 $ 30,000 $ 65,000
Big Horn, Montana 2 $ 220,000 $ 110,000 $ 46,000
Meagher, Montana 2 $ 140,000 $ 70,000 $ 64,000
Pondera, Montana 2 $ 90,000 $ 45,000 $ 39,000
Rich, Utah 2 $ 800,000 $ 400,000 $ 239,000
Franklin, Washington 2 $ 750,000 $ 375,000 $ 166,000
Whatcom, Washington 2 $ 1,880,000 $ 940,000 $ 67,000
Albany, Wyoming 2 $ 120,000 $ 60,000 $ 86,000
Teton, Wyoming 2 $ 690,000 $ 345,000 $ 210,000
La Paz, Arizona 1 $ 85,000 $ 85,000 $ 73,000
Boulder, Colorado 1 $ 705,000 $ 705,000 $ 423,000
Broomfield, Colorado 1 $ 275,000 $ 275,000 $ 197,000
Gunnison, Colorado 1 $ 1,055,000 $ 1,055,000 $ 0
Huerfano, Colorado 1 $ 75,000 $ 75,000 $ 86,000
Mineral, Colorado 1 $ 185,000 $ 185,000 $ 60,000
Ouray, Colorado 1 $ 655,000 $ 655,000 $ 248,000
Rio Grande, Colorado 1 $ 155,000 $ 155,000 $ 104,000
Summit, Colorado 1 $ 785,000 $ 785,000 $ 429,000
Butte, Idaho 1 $ 75,000 $ 75,000 $ 31,000
Camas, Idaho 1 $ 105,000 $ 105,000 $ 0
Custer, Idaho 1 $ 55,000 $ 55,000 $ 12,000
Jerome, Idaho 1 $ 55,000 $ 55,000 $ 116,000
Lemhi, Idaho 1 $ 245,000 $ 245,000 $ 48,000
Lincoln, Idaho 1 $ 225,000 $ 225,000 $ 313,000
Garfield, Montana 1 $ 135,000 $ 135,000 $ 158,000
Glacier, Montana 1 $ 15,000 $ 15,000 $ 65,000
Golden Valley, Montana 1 $ 255,000 $ 255,000 $ 40,000
Petroleum, Montana 1 $ 195,000 $ 195,000 $ 55,000
Roosevelt, Montana 1 $ 2,005,000 $ 2,005,000 $ 0
Rosebud, Montana 1 $ 85,000 $ 85,000 $ 45,000
Sweet Grass, Montana 1 $ 175,000 $ 175,000 $ 136,000
Toole, Montana 1 $ 115,000 $ 115,000 $ 0
Valley, Montana 1 $ 35,000 $ 35,000 $ 33,000
Cheyenne, Nebraska 1 $ 55,000 $ 55,000 $ 258,000
Lancaster, Nebraska 1 $ 105,000 $ 105,000 $ 229,000
Elko, Nevada 1 $ 235,000 $ 235,000 $ 66,000
McKinley, New Mexico 1 $ 445,000 $ 445,000 $ 0
Lane, Oregon 1 $ 425,000 $ 425,000 $ 0
Malheur, Oregon 1 $ 555,000 $ 555,000 $ 0
Grand, Utah 1 $ 275,000 $ 275,000 $ 355,000
Tooele, Utah 1 $ 105,000 $ 105,000 $ 49,000
Uintah, Utah 1 $ 255,000 $ 255,000 $ 185,000
Adams, Washington 1 $ 175,000 $ 175,000 $ 142,000
Asotin, Washington 1 $ 315,000 $ 315,000 $ 150,000
Ferry, Washington 1 $ 95,000 $ 95,000 $ 85,000
Grays Harbor, Washington 1 $ 185,000 $ 185,000 $ 34,000
Island, Washington 1 $ 305,000 $ 305,000 $ 130,000
Jefferson, Washington 1 $ 455,000 $ 455,000 $ 116,000
Kittitas, Washington 1 $ 105,000 $ 105,000 $ 140,000
Sheridan, Wyoming 1 $ 235,000 $ 235,000 $ 66,000

Mortgage Loan Application Detail Totals for Glacier Bank in 2019

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 5,879 $1,667,495,000 $283,000 $13,755,000 $127,000 $5,369,000
Refinancing 1,920 $457,750,000 $238,000 $6,805,000 $125,000 $3,258,000
Home Improvement 1,223 $108,275,000 $88,000 $1,475,000 $115,000 $2,520,000
Cash-out Refinancing 1,200 $300,520,000 $250,000 $1,325,000 $109,000 $4,634,000
Other Purpose 1,181 $136,695,000 $115,000 $1,545,000 $115,000 $2,366,000
Not Applicable 1 $195,000 $195,000 $195,000 $0 $0

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 9,945 $2,193,965,000 $220,000 $4,175,000 $120,000 $5,369,000
Not Provided 616 $151,440,000 $245,000 $4,075,000 $163,000 $3,258,000
Not applicable 354 $228,510,000 $645,000 $13,755,000 $0 $0
Hispanic 254 $44,460,000 $175,000 $455,000 $91,000 $465,000
American Indian or Alaskan Native 93 $16,985,000 $182,000 $2,205,000 $89,000 $638,000
Asian 91 $25,885,000 $284,000 $1,685,000 $177,000 $975,000
Black or African American 30 $5,410,000 $180,000 $315,000 $97,000 $233,000
Native Hawaiian or Other Pacific Islander 15 $3,375,000 $225,000 $405,000 $102,000 $194,000

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) 10,327 $2,429,405,000 $235,000 $13,755,000 $127,000 $5,369,000
FHA-insured (Federal Housing Administration) 536 $110,160,000 $205,000 $805,000 $67,000 $311,000
VA-guaranteed (Veterans Administration) 372 $101,410,000 $272,000 $805,000 $83,000 $403,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 169 $29,955,000 $177,000 $385,000 $56,000 $129,000

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 8,124 $1,880,020,000 $231,000 $13,755,000 $125,000 $4,634,000
Application Withdrawn By Applicant 1,961 $520,585,000 $265,000 $5,505,000 $129,000 $1,732,000
Application Denied By Financial Institution 1,165 $233,665,000 $200,000 $6,535,000 $88,000 $5,369,000
Application Approved But Not Accepted 92 $18,860,000 $205,000 $1,425,000 $135,000 $1,296,000
File Closed For Incompleteness 59 $17,025,000 $288,000 $2,405,000 $137,000 $636,000
Loan Purchased By The Institution 3 $775,000 $258,000 $315,000 $0 $0
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
Not applicable 10,239 $2,437,265,000 $238,000 $13,755,000 $126,000 $4,634,000
Debt-To-Income Ratio 529 $102,875,000 $194,000 $2,705,000 $60,000 $740,000
Credit History 291 $47,715,000 $163,000 $2,515,000 $80,000 $910,000
Collateral 232 $46,560,000 $200,000 $1,635,000 $131,000 $2,657,000
Other 51 $16,305,000 $319,000 $4,005,000 $119,000 $518,000
Employment History 25 $3,485,000 $139,000 $355,000 $61,000 $186,000
Insufficient Cash (Downpayment, Closing Cost) 20 $11,050,000 $552,000 $6,535,000 $115,000 $717,000
Unverifiable Information 16 $5,570,000 $348,000 $3,185,000 $447,000 $5,369,000
Credit Application Incomplete 1 $105,000 $105,000 $105,000 $74,000 $74,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Glacier Bank's 2019 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.

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