Glacier Bank Mortgage Lending & HMDA Data, 2023

In 2023, Glacier Bank of Kalispell, MT reported 6,643 mortgage applications totaling $2.5 billion, down 38% from 2022. The average application was for $372,302, and applicants reported an average income of $176,358. 58% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Coeur D'Alene, ID (396), Billings, MT (340) and Missoula, MT (293) (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 6,643
Total Mortgage Loan Application Amount $2,473,205,000
Average Mortgage Loan Application Amount $372,302
Highest Mortgage Loan Application Amount $35,605,000
Average Applicant Income $176,358
Highest Applicant Income $6,774,000

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Act (HMDA) records Glacier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Flathead, Montana 560 $ 253,500,000 $ 452,678 $ 221,000
Kootenai, Idaho 396 $ 149,470,000 $ 377,449 $ 166,000
Gallatin, Montana 344 $ 146,710,000 $ 426,482 $ 248,000
Yellowstone, Montana 316 $ 72,350,000 $ 228,955 $ 128,000
Lewis and Clark, Montana 309 $ 67,415,000 $ 218,171 $ 134,000
Missoula, Montana 293 $ 95,145,000 $ 324,726 $ 183,000
Bonner, Idaho 246 $ 103,690,000 $ 421,504 $ 198,000
Spokane, Washington 191 $ 82,345,000 $ 431,125 $ 166,000
Bannock, Idaho 178 $ 48,060,000 $ 270,000 $ 146,000
Park, Wyoming 161 $ 42,255,000 $ 262,453 $ 144,000
Lincoln, Montana 149 $ 35,855,000 $ 240,637 $ 117,000
Lake, Montana 145 $ 49,305,000 $ 340,034 $ 191,000
Silver Bow, Montana 137 $ 22,805,000 $ 166,459 $ 87,000
Ravalli, Montana 114 $ 35,980,000 $ 315,614 $ 133,000
Mohave, Arizona 113 $ 33,255,000 $ 294,292 $ 175,000
Yavapai, Arizona 110 $ 45,820,000 $ 416,545 $ 177,000
Ada, Idaho 103 $ 25,885,000 $ 251,310 $ 182,000
Utah, Utah 97 $ 61,335,000 $ 632,319 $ 282,000
Natrona, Wyoming 93 $ 20,365,000 $ 218,978 $ 148,000
Fergus, Montana 85 $ 15,395,000 $ 181,117 $ 140,000
Uinta, Wyoming 85 $ 17,085,000 $ 201,000 $ 91,000
Salt Lake, Utah 79 $ 46,105,000 $ 583,607 $ 250,000
Canyon, Idaho 76 $ 14,930,000 $ 196,447 $ 129,000
Cache, Utah 69 $ 26,745,000 $ 387,608 $ 211,000
Bonneville, Idaho 65 $ 21,025,000 $ 323,461 $ 177,000
Boundary, Idaho 64 $ 15,600,000 $ 243,750 $ 93,000
Sheridan, Wyoming 64 $ 21,900,000 $ 342,187 $ 139,000
La Plata, Colorado 63 $ 21,915,000 $ 347,857 $ 182,000
Washoe, Nevada 63 $ 24,365,000 $ 386,746 $ 403,000
Deer Lodge, Montana 59 $ 11,215,000 $ 190,084 $ 97,000
Sanders, Montana 58 $ 10,100,000 $ 174,137 $ 96,000
Platte, Wyoming 58 $ 8,520,000 $ 146,896 $ 83,000
Lincoln, Wyoming 54 $ 12,810,000 $ 237,222 $ 161,000
Jefferson, Montana 47 $ 11,625,000 $ 247,340 $ 133,000
Washington, Utah 43 $ 32,555,000 $ 757,093 $ 356,000
Weber, Utah 42 $ 20,450,000 $ 486,904 $ 271,000
Pend Oreille, Washington 41 $ 10,695,000 $ 260,853 $ 104,000
Blaine, Idaho 40 $ 11,170,000 $ 279,250 $ 142,000
Chaffee, Colorado 38 $ 18,760,000 $ 493,684 $ 185,000
Bingham, Idaho 37 $ 9,955,000 $ 269,054 $ 126,000
Chelan, Washington 37 $ 21,605,000 $ 583,918 $ 311,000
Mesa, Colorado 36 $ 13,460,000 $ 373,888 $ 99,000
Yuma, Arizona 34 $ 9,310,000 $ 273,823 $ 111,000
Broadwater, Montana 34 $ 9,870,000 $ 290,294 $ 158,000
Okanogan, Washington 33 $ 8,945,000 $ 271,060 $ 114,000
Archuleta, Colorado 32 $ 11,840,000 $ 370,000 $ 270,000
Big Horn, Wyoming 31 $ 5,265,000 $ 169,838 $ 85,000
Davis, Utah 30 $ 13,090,000 $ 436,333 $ 180,000
Shoshone, Idaho 29 $ 5,825,000 $ 200,862 $ 104,000
Madison, Montana 29 $ 26,395,000 $ 910,172 $ 289,000
Goshen, Wyoming 29 $ 3,615,000 $ 124,655 $ 91,000
Pueblo, Colorado 28 $ 7,810,000 $ 278,928 $ 99,000
Maricopa, Arizona 27 $ 17,715,000 $ 656,111 $ 366,000
Box Elder, Utah 25 $ 9,425,000 $ 377,000 $ 94,000
Morgan, Utah 25 $ 8,565,000 $ 342,600 $ 126,000
Fremont, Colorado 23 $ 3,855,000 $ 167,608 $ 106,000
Franklin, Idaho 23 $ 7,465,000 $ 324,565 $ 167,000
Sublette, Wyoming 23 $ 3,775,000 $ 164,130 $ 109,000
El Paso, Colorado 22 $ 9,570,000 $ 435,000 $ 160,000
Wasatch, Utah 22 $ 31,050,000 $ 1,411,363 $ 476,000
Sweetwater, Wyoming 21 $ 4,375,000 $ 208,333 $ 104,000
Cascade, Montana 20 $ 24,510,000 $ 1,225,500 $ 108,000
Teton, Montana 19 $ 3,635,000 $ 191,315 $ 135,000
Summit, Utah 19 $ 18,525,000 $ 975,000 $ 606,000
Granite, Montana 17 $ 7,895,000 $ 464,411 $ 246,000
Denver, Colorado 16 $ 8,600,000 $ 537,500 $ 314,000
Chouteau, Montana 16 $ 2,650,000 $ 165,625 $ 88,000
Douglas, Washington 15 $ 6,955,000 $ 463,666 $ 219,000
Carbon, Montana 14 $ 4,560,000 $ 325,714 $ 179,000
Powell, Montana 13 $ 2,465,000 $ 189,615 $ 223,000
Jefferson, Idaho 12 $ 3,540,000 $ 295,000 $ 134,000
Coconino, Arizona 11 $ 4,615,000 $ 419,545 $ 369,000
Fremont, Idaho 11 $ 4,365,000 $ 396,818 $ 150,000
Mineral, Montana 11 $ 3,805,000 $ 345,909 $ 113,000
Pinal, Arizona 10 $ 16,730,000 $ 1,673,000 $ 77,000
Jefferson, Colorado 10 $ 6,520,000 $ 652,000 $ 305,000
Stillwater, Montana 10 $ 3,160,000 $ 316,000 $ 171,000
Rich, Utah 10 $ 4,510,000 $ 451,000 $ 189,000
Pima, Arizona 9 $ 42,585,000 $ 4,731,666 $ 1,070,000
Tooele, Utah 9 $ 4,085,000 $ 453,888 $ 176,000
Boise, Idaho 8 $ 2,170,000 $ 271,250 $ 119,000
Carson City, Nevada 8 $ 9,300,000 $ 1,162,500 $ 104,000
Stevens, Washington 8 $ 3,560,000 $ 445,000 $ 179,000
Laramie, Wyoming 8 $ 2,590,000 $ 323,750 $ 194,000
Douglas, Colorado 7 $ 4,145,000 $ 592,142 $ 222,000
Routt, Colorado 7 $ 2,065,000 $ 295,000 $ 121,000
Madison, Idaho 7 $ 2,235,000 $ 319,285 $ 213,000
Hill, Montana 7 $ 4,995,000 $ 713,571 $ 76,000
Park, Montana 7 $ 3,665,000 $ 523,571 $ 160,000
Pondera, Montana 7 $ 1,245,000 $ 177,857 $ 176,000
Moffat, Colorado 6 $ 810,000 $ 135,000 $ 101,000
Rio Blanco, Colorado 6 $ 700,000 $ 116,666 $ 119,000
Benewah, Idaho 6 $ 1,610,000 $ 268,333 $ 106,000
Oneida, Idaho 6 $ 1,550,000 $ 258,333 $ 190,000
Power, Idaho 6 $ 2,030,000 $ 338,333 $ 133,000
Beaverhead, Montana 6 $ 1,030,000 $ 171,666 $ 198,000
Judith Basin, Montana 6 $ 1,040,000 $ 173,333 $ 69,000
Liberty, Montana 6 $ 1,220,000 $ 203,333 $ 92,000
Albany, Wyoming 6 $ 1,420,000 $ 236,666 $ 358,000
Converse, Wyoming 6 $ 940,000 $ 156,666 $ 136,000
Arapahoe, Colorado 5 $ 3,875,000 $ 775,000 $ 1,760,000
San Juan, Colorado 5 $ 1,425,000 $ 285,000 $ 77,000
Bear Lake, Idaho 5 $ 1,635,000 $ 327,000 $ 112,000
Caribou, Idaho 5 $ 1,685,000 $ 337,000 $ 108,000
Custer, Montana 5 $ 785,000 $ 157,000 $ 86,000
Clark, Nevada 5 $ 2,145,000 $ 429,000 $ 560,000
Douglas, Nevada 5 $ 865,000 $ 173,000 $ 147,000
Adams, Colorado 4 $ 19,300,000 $ 4,825,000 $ 0
Montezuma, Colorado 4 $ 1,210,000 $ 302,500 $ 109,000
Park, Colorado 4 $ 880,000 $ 220,000 $ 99,000
Camas, Idaho 4 $ 250,000 $ 62,500 $ 84,000
Teton, Idaho 4 $ 2,940,000 $ 735,000 $ 449,000
Twin Falls, Idaho 4 $ 1,060,000 $ 265,000 $ 135,000
Valley, Idaho 4 $ 2,430,000 $ 607,500 $ 239,000
Blaine, Montana 4 $ 620,000 $ 155,000 $ 55,000
Iron, Utah 4 $ 2,590,000 $ 647,500 $ 229,000
Washakie, Wyoming 4 $ 980,000 $ 245,000 $ 78,000
Bent, Colorado 3 $ 615,000 $ 205,000 $ 92,000
Delta, Colorado 3 $ 1,295,000 $ 431,666 $ 23,000
Larimer, Colorado 3 $ 815,000 $ 271,666 $ 155,000
Sweet Grass, Montana 3 $ 675,000 $ 225,000 $ 84,000
Lincoln, Washington 3 $ 845,000 $ 281,666 $ 113,000
Thurston, Washington 3 $ 1,385,000 $ 461,666 $ 147,000
Niobrara, Wyoming 3 $ 235,000 $ 78,333 $ 54,000
Navajo, Arizona 2 $ 610,000 $ 305,000 $ 0
Montrose, Colorado 2 $ 540,000 $ 270,000 $ 156,000
Weld, Colorado 2 $ 17,070,000 $ 8,535,000 $ 0
Butte, Idaho 2 $ 1,090,000 $ 545,000 $ 137,000
Gem, Idaho 2 $ 730,000 $ 365,000 $ 90,000
Lincoln, Idaho 2 $ 160,000 $ 80,000 $ 69,000
Macomb, Michigan 2 $ 290,000 $ 145,000 $ 0
Glacier, Montana 2 $ 630,000 $ 315,000 $ 266,000
Musselshell, Montana 2 $ 230,000 $ 115,000 $ 147,000
Scotts Bluff, Nebraska 2 $ 180,000 $ 90,000 $ 99,000
Storey, Nevada 2 $ 280,000 $ 140,000 $ 80,000
Carbon, Utah 2 $ 270,000 $ 135,000 $ 309,000
Kane, Utah 2 $ 290,000 $ 145,000 $ 109,000
Sanpete, Utah 2 $ 960,000 $ 480,000 $ 139,000
Grant, Washington 2 $ 1,130,000 $ 565,000 $ 108,000
King, Washington 2 $ 1,470,000 $ 735,000 $ 226,000
Whitman, Washington 2 $ 460,000 $ 230,000 $ 49,000
Campbell, Wyoming 2 $ 500,000 $ 250,000 $ 79,000
Fremont, Wyoming 2 $ 310,000 $ 155,000 $ 68,000
Hot Springs, Wyoming 2 $ 300,000 $ 150,000 $ 153,000
Weston, Wyoming 2 $ 780,000 $ 390,000 $ 224,000
Gila, Arizona 1 $ 125,000 $ 125,000 $ 46,000
Orange, California 1 $ 4,405,000 $ 4,405,000 $ 0
Santa Clara, California 1 $ 20,655,000 $ 20,655,000 $ 107,000
Sierra, California 1 $ 835,000 $ 835,000 $ 0
Elbert, Colorado 1 $ 375,000 $ 375,000 $ 108,000
Grand, Colorado 1 $ 235,000 $ 235,000 $ 50,000
Lake, Colorado 1 $ 225,000 $ 225,000 $ 0
San Miguel, Colorado 1 $ 405,000 $ 405,000 $ 485,000
Summit, Colorado 1 $ 665,000 $ 665,000 $ 421,000
Teller, Colorado 1 $ 25,000 $ 25,000 $ 74,000
Orange, Florida 1 $ 5,000 $ 5,000 $ 35,000
Toombs, Georgia 1 $ 15,000 $ 15,000 $ 77,000
Adams, Idaho 1 $ 325,000 $ 325,000 $ 50,000
Custer, Idaho 1 $ 65,000 $ 65,000 $ 63,000
Jerome, Idaho 1 $ 205,000 $ 205,000 $ 61,000
Lemhi, Idaho 1 $ 215,000 $ 215,000 $ 43,000
Nez Perce, Idaho 1 $ 105,000 $ 105,000 $ 38,000
Owyhee, Idaho 1 $ 205,000 $ 205,000 $ 107,000
Johnson, Kansas 1 $ 245,000 $ 245,000 $ 0
Shawnee, Kansas 1 $ 125,000 $ 125,000 $ 0
Orleans, Louisiana 1 $ 265,000 $ 265,000 $ 0
Bristol, Massachusetts 1 $ 5,000 $ 5,000 $ 0
Genesee, Michigan 1 $ 125,000 $ 125,000 $ 0
Sherburne, Minnesota 1 $ 315,000 $ 315,000 $ 127,000
Coahoma, Mississippi 1 $ 255,000 $ 255,000 $ 17,000
Big Horn, Montana 1 $ 375,000 $ 375,000 $ 97,000
Meagher, Montana 1 $ 155,000 $ 155,000 $ 157,000
Petroleum, Montana 1 $ 465,000 $ 465,000 $ 59,000
Toole, Montana 1 $ 25,000 $ 25,000 $ 192,000
Valley, Montana 1 $ 35,000 $ 35,000 $ 34,000
Wheatland, Montana 1 $ 165,000 $ 165,000 $ 0
Sheridan, Nebraska 1 $ 675,000 $ 675,000 $ 690,000
Lyon, Nevada 1 $ 65,000 $ 65,000 $ 23,000
Nye, Nevada 1 $ 245,000 $ 245,000 $ 114,000
Williams, North Dakota 1 $ 125,000 $ 125,000 $ 130,000
Jackson, Oklahoma 1 $ 5,000 $ 5,000 $ 44,000
Lincoln, Oregon 1 $ 355,000 $ 355,000 $ 136,000
York, South Carolina 1 $ 35,000 $ 35,000 $ 68,000
Harris, Texas 1 $ 235,000 $ 235,000 $ 0
Juab, Utah 1 $ 225,000 $ 225,000 $ 88,000
Uintah, Utah 1 $ 145,000 $ 145,000 $ 0
Wayne, Utah 1 $ 95,000 $ 95,000 $ 271,000
Franklin, Washington 1 $ 375,000 $ 375,000 $ 79,000
Kitsap, Washington 1 $ 255,000 $ 255,000 $ 68,000
Kittitas, Washington 1 $ 865,000 $ 865,000 $ 387,000
Mason, Washington 1 $ 435,000 $ 435,000 $ 91,000
Pierce, Washington 1 $ 365,000 $ 365,000 $ 261,000
San Juan, Washington 1 $ 225,000 $ 225,000 $ 67,000
Skagit, Washington 1 $ 585,000 $ 585,000 $ 252,000
Carbon, Wyoming 1 $ 265,000 $ 265,000 $ 86,000
Crook, Wyoming 1 $ 85,000 $ 85,000 $ 76,000
Johnson, Wyoming 1 $ 455,000 $ 455,000 $ 138,000

Mortgage Loan Application Detail Totals for Glacier Bank in 2023

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 4,002 $1,950,560,000 $487,000 $35,605,000 $200,000 $6,774,000
Home Improvement 1,247 $198,205,000 $158,000 $15,385,000 $135,000 $1,800,000
Other Purpose 607 $88,175,000 $145,000 $3,005,000 $141,000 $1,576,000
Refinancing 558 $168,220,000 $301,000 $7,505,000 $160,000 $1,700,000
Cash-out Refinancing 229 $68,045,000 $297,000 $1,645,000 $122,000 $1,819,000
Not Applicable 0 $0 $0 $0 $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 5,228 $1,680,120,000 $321,000 $10,505,000 $173,000 $6,774,000
Not Provided 642 $262,630,000 $409,000 $7,205,000 $199,000 $2,736,000
Not applicable 355 $377,605,000 $1,063,000 $35,605,000 $0 $0
Hispanic 263 $80,655,000 $306,000 $4,625,000 $145,000 $2,472,000
Asian 64 $24,980,000 $390,000 $1,895,000 $202,000 $873,000
American Indian or Alaskan Native 54 $30,540,000 $565,000 $20,655,000 $100,000 $570,000
Black or African American 18 $3,200,000 $177,000 $715,000 $118,000 $908,000
Native Hawaiian or Other Pacific Islander 10 $6,890,000 $689,000 $2,985,000 $618,000 $1,896,000

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) 6,179 $2,326,055,000 $376,000 $35,605,000 $183,000 $6,774,000
FHA-insured (Federal Housing Administration) 314 $89,870,000 $286,000 $665,000 $84,000 $381,000
VA-guaranteed (Veterans Administration) 110 $48,790,000 $443,000 $1,205,000 $126,000 $608,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 40 $8,490,000 $212,000 $365,000 $67,000 $108,000

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 3,874 $1,381,710,000 $356,000 $35,605,000 $186,000 $5,400,000
Application Withdrawn By Applicant 1,508 $683,590,000 $453,000 $10,505,000 $206,000 $6,774,000
Application Denied By Financial Institution 1,050 $315,500,000 $300,000 $20,655,000 $98,000 $2,604,000
File Closed For Incompleteness 123 $57,785,000 $469,000 $2,875,000 $204,000 $1,631,000
Application Approved But Not Accepted 56 $23,310,000 $416,000 $4,565,000 $148,000 $666,000
Preapproval Approved but not Accepted 19 $7,125,000 $375,000 $695,000 $173,000 $481,000
Preapproval Denied by Financial Institution 9 $3,195,000 $355,000 $965,000 $79,000 $167,000
Loan Purchased By The Institution 4 $990,000 $247,000 $355,000 $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 5,584 $2,154,510,000 $385,000 $35,605,000 $191,000 $6,774,000
Debt-To-Income Ratio 652 $235,400,000 $361,000 $20,655,000 $83,000 $662,000
Credit History 166 $36,920,000 $222,000 $1,405,000 $121,000 $2,604,000
Collateral 152 $25,110,000 $165,000 $2,605,000 $115,000 $650,000
Other 46 $10,770,000 $234,000 $1,335,000 $144,000 $720,000
Insufficient Cash (Downpayment, Closing Cost) 19 $6,265,000 $329,000 $825,000 $92,000 $204,000
Employment History 17 $2,965,000 $174,000 $515,000 $123,000 $993,000
Unverifiable Information 7 $1,265,000 $180,000 $255,000 $162,000 $422,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Glacier Bank's 2023 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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