Glacier Bank Mortgage Lending & HMDA Data, 2024

In 2024, Glacier Bank of Kalispell, MT reported 7,296 mortgage applications totaling $2.6 billion, up 10% from 2023. The average application was for $357,711, and applicants reported an average income of $173,302. 61% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Coeur D'Alene, ID (480), Spokane-Spokane Valley, WA (429) and Bozeman, MT (375) (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 7,296
Total Mortgage Loan Application Amount $2,609,860,000
Average Mortgage Loan Application Amount $357,711
Highest Mortgage Loan Application Amount $19,375,000
Average Applicant Income $173,302
Highest Applicant Income $8,788,000

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Act (HMDA) records Glacier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kootenai, Idaho 480 $ 187,070,000 $ 389,729 $ 172,000
Flathead, Montana 443 $ 193,255,000 $ 436,241 $ 242,000
Spokane, Washington 405 $ 165,175,000 $ 407,839 $ 153,000
Gallatin, Montana 375 $ 191,455,000 $ 510,546 $ 248,000
Yellowstone, Montana 309 $ 64,935,000 $ 210,145 $ 124,000
Missoula, Montana 294 $ 86,040,000 $ 292,653 $ 174,000
Lewis and Clark, Montana 247 $ 74,865,000 $ 303,097 $ 136,000
Bannock, Idaho 213 $ 59,095,000 $ 277,441 $ 145,000
Bonner, Idaho 213 $ 86,075,000 $ 404,107 $ 198,000
Park, Wyoming 185 $ 51,175,000 $ 276,621 $ 147,000
Lincoln, Montana 149 $ 36,485,000 $ 244,865 $ 136,000
Lake, Montana 141 $ 48,215,000 $ 341,950 $ 163,000
Mohave, Arizona 131 $ 36,465,000 $ 278,358 $ 187,000
Silver Bow, Montana 123 $ 19,835,000 $ 161,260 $ 127,000
Sheridan, Wyoming 115 $ 28,255,000 $ 245,695 $ 126,000
Utah, Utah 112 $ 62,620,000 $ 559,107 $ 299,000
Ravalli, Montana 111 $ 38,035,000 $ 342,657 $ 144,000
Ada, Idaho 110 $ 31,240,000 $ 284,000 $ 205,000
Yavapai, Arizona 106 $ 57,030,000 $ 538,018 $ 170,000
Yakima, Washington 102 $ 22,850,000 $ 224,019 $ 90,000
Grant, Washington 94 $ 26,370,000 $ 280,531 $ 112,000
Uinta, Wyoming 87 $ 15,545,000 $ 178,678 $ 111,000
Natrona, Wyoming 85 $ 18,925,000 $ 222,647 $ 132,000
La Plata, Colorado 82 $ 27,910,000 $ 340,365 $ 147,000
Salt Lake, Utah 82 $ 33,610,000 $ 409,878 $ 200,000
Boundary, Idaho 78 $ 20,470,000 $ 262,435 $ 102,000
Fergus, Montana 77 $ 14,285,000 $ 185,519 $ 125,000
Deer Lodge, Montana 73 $ 13,825,000 $ 189,383 $ 105,000
Sanders, Montana 70 $ 15,020,000 $ 214,571 $ 124,000
Washoe, Nevada 70 $ 32,540,000 $ 464,857 $ 313,000
Lincoln, Wyoming 65 $ 22,645,000 $ 348,384 $ 205,000
Cache, Utah 64 $ 20,460,000 $ 319,687 $ 158,000
Douglas, Washington 61 $ 21,765,000 $ 356,803 $ 152,000
Canyon, Idaho 60 $ 22,480,000 $ 374,666 $ 169,000
Platte, Wyoming 60 $ 9,510,000 $ 158,500 $ 96,000
Chelan, Washington 59 $ 24,725,000 $ 419,067 $ 154,000
Yuma, Arizona 54 $ 14,390,000 $ 266,481 $ 125,000
Bonneville, Idaho 53 $ 18,045,000 $ 340,471 $ 173,000
Jefferson, Montana 51 $ 16,455,000 $ 322,647 $ 151,000
Davis, Utah 48 $ 22,490,000 $ 468,541 $ 303,000
Chaffee, Colorado 47 $ 20,735,000 $ 441,170 $ 264,000
Washington, Utah 46 $ 34,230,000 $ 744,130 $ 431,000
Mesa, Colorado 45 $ 11,755,000 $ 261,222 $ 201,000
Okanogan, Washington 44 $ 11,250,000 $ 255,681 $ 102,000
Blaine, Idaho 39 $ 13,965,000 $ 358,076 $ 343,000
Pend Oreille, Washington 38 $ 7,490,000 $ 197,105 $ 112,000
Franklin, Idaho 37 $ 7,435,000 $ 200,945 $ 129,000
Shoshone, Idaho 36 $ 10,540,000 $ 292,777 $ 123,000
Sublette, Wyoming 35 $ 6,655,000 $ 190,142 $ 112,000
Maricopa, Arizona 34 $ 15,730,000 $ 462,647 $ 292,000
Franklin, Washington 34 $ 29,920,000 $ 880,000 $ 120,000
Big Horn, Wyoming 34 $ 7,570,000 $ 222,647 $ 97,000
Summit, Utah 31 $ 25,915,000 $ 835,967 $ 227,000
Bingham, Idaho 30 $ 9,910,000 $ 330,333 $ 124,000
Broadwater, Montana 30 $ 9,940,000 $ 331,333 $ 160,000
Weber, Utah 30 $ 22,240,000 $ 741,333 $ 224,000
Pueblo, Colorado 28 $ 5,110,000 $ 182,500 $ 112,000
Madison, Montana 28 $ 14,350,000 $ 512,500 $ 250,000
Teton, Montana 28 $ 4,350,000 $ 155,357 $ 91,000
Benton, Washington 27 $ 7,605,000 $ 281,666 $ 106,000
Stevens, Washington 24 $ 8,540,000 $ 355,833 $ 140,000
Sweetwater, Wyoming 24 $ 3,300,000 $ 137,500 $ 84,000
Archuleta, Colorado 21 $ 6,835,000 $ 325,476 $ 94,000
Carbon, Montana 21 $ 6,865,000 $ 326,904 $ 184,000
Morgan, Utah 21 $ 9,525,000 $ 453,571 $ 162,000
Park, Montana 20 $ 8,080,000 $ 404,000 $ 224,000
Goshen, Wyoming 20 $ 4,310,000 $ 215,500 $ 119,000
Coconino, Arizona 19 $ 12,595,000 $ 662,894 $ 233,000
Powell, Montana 19 $ 6,635,000 $ 349,210 $ 264,000
Wasatch, Utah 19 $ 18,485,000 $ 972,894 $ 627,000
Chouteau, Montana 18 $ 2,680,000 $ 148,888 $ 83,000
Cascade, Montana 17 $ 13,415,000 $ 789,117 $ 179,000
Benewah, Idaho 15 $ 3,005,000 $ 200,333 $ 94,000
Granite, Montana 15 $ 4,655,000 $ 310,333 $ 163,000
Pima, Arizona 14 $ 3,920,000 $ 280,000 $ 273,000
Rio Blanco, Colorado 14 $ 1,960,000 $ 140,000 $ 200,000
Teton, Idaho 14 $ 7,500,000 $ 535,714 $ 335,000
Box Elder, Utah 14 $ 3,290,000 $ 235,000 $ 194,000
Lincoln, Washington 14 $ 2,300,000 $ 164,285 $ 92,000
Fremont, Colorado 13 $ 3,265,000 $ 251,153 $ 120,000
Power, Idaho 13 $ 4,845,000 $ 372,692 $ 130,000
Pinal, Arizona 12 $ 4,960,000 $ 413,333 $ 110,000
El Paso, Colorado 12 $ 16,010,000 $ 1,334,166 $ 244,000
Pondera, Montana 12 $ 2,610,000 $ 217,500 $ 130,000
Routt, Colorado 10 $ 3,370,000 $ 337,000 $ 265,000
Fremont, Idaho 10 $ 4,530,000 $ 453,000 $ 312,000
Madison, Idaho 10 $ 7,290,000 $ 729,000 $ 894,000
Tooele, Utah 10 $ 6,060,000 $ 606,000 $ 163,000
Laramie, Wyoming 10 $ 4,670,000 $ 467,000 $ 95,000
Denver, Colorado 9 $ 6,265,000 $ 696,111 $ 496,000
Clark, Nevada 9 $ 11,265,000 $ 1,251,666 $ 236,000
Moffat, Colorado 8 $ 590,000 $ 73,750 $ 74,000
Bear Lake, Idaho 8 $ 3,460,000 $ 432,500 $ 185,000
Caribou, Idaho 8 $ 5,150,000 $ 643,750 $ 91,000
Jefferson, Idaho 8 $ 2,870,000 $ 358,750 $ 110,000
Stillwater, Montana 8 $ 2,370,000 $ 296,250 $ 119,000
Rich, Utah 8 $ 2,930,000 $ 366,250 $ 213,000
Jefferson, Colorado 7 $ 3,705,000 $ 529,285 $ 181,000
Oneida, Idaho 7 $ 3,235,000 $ 462,142 $ 116,000
Blaine, Montana 7 $ 845,000 $ 120,714 $ 156,000
Johnson, Wyoming 7 $ 1,875,000 $ 267,857 $ 96,000
Niobrara, Wyoming 7 $ 835,000 $ 119,285 $ 89,000
Montezuma, Colorado 6 $ 1,540,000 $ 256,666 $ 106,000
Glacier, Montana 6 $ 1,270,000 $ 211,666 $ 132,000
Mineral, Montana 6 $ 1,170,000 $ 195,000 $ 95,000
Douglas, Nevada 6 $ 3,090,000 $ 515,000 $ 415,000
Whitman, Washington 6 $ 1,520,000 $ 253,333 $ 267,000
Campbell, Wyoming 6 $ 1,750,000 $ 291,666 $ 216,000
Converse, Wyoming 6 $ 1,460,000 $ 243,333 $ 74,000
Judith Basin, Montana 5 $ 925,000 $ 185,000 $ 116,000
Musselshell, Montana 5 $ 645,000 $ 129,000 $ 69,000
Lake, Colorado 4 $ 1,800,000 $ 450,000 $ 505,000
Larimer, Colorado 4 $ 6,140,000 $ 1,535,000 $ 171,000
Payette, Idaho 4 $ 1,360,000 $ 340,000 $ 82,000
Valley, Idaho 4 $ 1,090,000 $ 272,500 $ 470,000
Liberty, Montana 4 $ 440,000 $ 110,000 $ 95,000
Lyon, Nevada 4 $ 400,000 $ 100,000 $ 58,000
Walla Walla, Washington 4 $ 1,230,000 $ 307,500 $ 104,000
Fremont, Wyoming 4 $ 800,000 $ 200,000 $ 113,000
Arapahoe, Colorado 3 $ 1,875,000 $ 625,000 $ 205,000
Camas, Idaho 3 $ 475,000 $ 158,333 $ 233,000
Custer, Idaho 3 $ 705,000 $ 235,000 $ 98,000
Latah, Idaho 3 $ 2,655,000 $ 885,000 $ 116,000
Owyhee, Idaho 3 $ 165,000 $ 55,000 $ 61,000
Twin Falls, Idaho 3 $ 1,445,000 $ 481,666 $ 176,000
Big Horn, Montana 3 $ 1,945,000 $ 648,333 $ 88,000
Rosebud, Montana 3 $ 525,000 $ 175,000 $ 82,000
Duchesne, Utah 3 $ 1,125,000 $ 375,000 $ 273,000
Kane, Utah 3 $ 795,000 $ 265,000 $ 208,000
Adams, Washington 3 $ 295,000 $ 98,333 $ 64,000
Clallam, Washington 3 $ 975,000 $ 325,000 $ 87,000
King, Washington 3 $ 2,035,000 $ 678,333 $ 221,000
Carbon, Wyoming 3 $ 355,000 $ 118,333 $ 110,000
La Paz, Arizona 2 $ 420,000 $ 210,000 $ 82,000
Navajo, Arizona 2 $ 4,110,000 $ 2,055,000 $ 0
Grand, Colorado 2 $ 1,810,000 $ 905,000 $ 136,000
Ouray, Colorado 2 $ 970,000 $ 485,000 $ 188,000
Park, Colorado 2 $ 280,000 $ 140,000 $ 70,000
San Juan, Colorado 2 $ 820,000 $ 410,000 $ 89,000
Boise, Idaho 2 $ 160,000 $ 80,000 $ 90,000
Butte, Idaho 2 $ 940,000 $ 470,000 $ 138,000
Hill, Montana 2 $ 200,000 $ 100,000 $ 144,000
Sheridan, Montana 2 $ 110,000 $ 55,000 $ 149,000
Sweet Grass, Montana 2 $ 340,000 $ 170,000 $ 75,000
Toole, Montana 2 $ 240,000 $ 120,000 $ 81,000
Scotts Bluff, Nebraska 2 $ 430,000 $ 215,000 $ 69,000
Carson City, Nevada 2 $ 270,000 $ 135,000 $ 116,000
Elko, Nevada 2 $ 3,910,000 $ 1,955,000 $ 371,000
San Juan, New Mexico 2 $ 640,000 $ 320,000 $ 178,000
Sanpete, Utah 2 $ 1,240,000 $ 620,000 $ 334,000
Kittitas, Washington 2 $ 750,000 $ 375,000 $ 135,000
Pacific, Washington 2 $ 730,000 $ 365,000 $ 128,000
Skagit, Washington 2 $ 1,060,000 $ 530,000 $ 65,000
Thurston, Washington 2 $ 880,000 $ 440,000 $ 242,000
Hot Springs, Wyoming 2 $ 420,000 $ 210,000 $ 120,000
Cochise, Arizona 1 $ 125,000 $ 125,000 $ 48,000
Adams, Colorado 1 $ 505,000 $ 505,000 $ 0
Boulder, Colorado 1 $ 17,005,000 $ 17,005,000 $ 0
Delta, Colorado 1 $ 335,000 $ 335,000 $ 160,000
Eagle, Colorado 1 $ 275,000 $ 275,000 $ 369,000
Garfield, Colorado 1 $ 5,005,000 $ 5,005,000 $ 0
Gilpin, Colorado 1 $ 345,000 $ 345,000 $ 58,000
Gunnison, Colorado 1 $ 395,000 $ 395,000 $ 145,000
Huerfano, Colorado 1 $ 55,000 $ 55,000 $ 43,000
Saguache, Colorado 1 $ 265,000 $ 265,000 $ 170,000
Weld, Colorado 1 $ 195,000 $ 195,000 $ 19,000
Marion, Florida 1 $ 355,000 $ 355,000 $ 385,000
Columbia, Georgia 1 $ 385,000 $ 385,000 $ 0
Gem, Idaho 1 $ 55,000 $ 55,000 $ 155,000
Gooding, Idaho 1 $ 135,000 $ 135,000 $ 86,000
Idaho, Idaho 1 $ 205,000 $ 205,000 $ 114,000
Lincoln, Idaho 1 $ 25,000 $ 25,000 $ 126,000
Minidoka, Idaho 1 $ 275,000 $ 275,000 $ 104,000
Nez Perce, Idaho 1 $ 365,000 $ 365,000 $ 369,000
Washington, Idaho 1 $ 245,000 $ 245,000 $ 76,000
Elkhart, Indiana 1 $ 5,000 $ 5,000 $ 66,000
Lapeer, Michigan 1 $ 185,000 $ 185,000 $ 131,000
Otter Tail, Minnesota 1 $ 135,000 $ 135,000 $ 43,000
Boone, Missouri 1 $ 7,955,000 $ 7,955,000 $ 0
Beaverhead, Montana 1 $ 605,000 $ 605,000 $ 1,100,000
Custer, Montana 1 $ 105,000 $ 105,000 $ 62,000
Meagher, Montana 1 $ 115,000 $ 115,000 $ 70,000
Petroleum, Montana 1 $ 455,000 $ 455,000 $ 179,000
Phillips, Montana 1 $ 85,000 $ 85,000 $ 90,000
Treasure, Montana 1 $ 265,000 $ 265,000 $ 71,000
Cheyenne, Nebraska 1 $ 105,000 $ 105,000 $ 62,000
Bernalillo, New Mexico 1 $ 185,000 $ 185,000 $ 206,000
Durham, North Carolina 1 $ 375,000 $ 375,000 $ 126,000
Wake, North Carolina 1 $ 15,000 $ 15,000 $ 24,000
LaMoure, North Dakota 1 $ 415,000 $ 415,000 $ 0
Clackamas, Oregon 1 $ 255,000 $ 255,000 $ 69,000
Deschutes, Oregon 1 $ 305,000 $ 305,000 $ 67,000
Multnomah, Oregon 1 $ 495,000 $ 495,000 $ 123,000
Umatilla, Oregon 1 $ 575,000 $ 575,000 $ 23,000
Wallowa, Oregon 1 $ 235,000 $ 235,000 $ 76,000
Carbon, Utah 1 $ 185,000 $ 185,000 $ 0
Grand, Utah 1 $ 235,000 $ 235,000 $ 101,000
Juab, Utah 1 $ 395,000 $ 395,000 $ 0
Millard, Utah 1 $ 155,000 $ 155,000 $ 90,000
Wayne, Utah 1 $ 315,000 $ 315,000 $ 106,000
Asotin, Washington 1 $ 595,000 $ 595,000 $ 108,000
Kitsap, Washington 1 $ 405,000 $ 405,000 $ 86,000
Klickitat, Washington 1 $ 625,000 $ 625,000 $ 243,000
Lewis, Washington 1 $ 165,000 $ 165,000 $ 52,000
Mason, Washington 1 $ 295,000 $ 295,000 $ 85,000
Pierce, Washington 1 $ 295,000 $ 295,000 $ 80,000
Albany, Wyoming 1 $ 565,000 $ 565,000 $ 13,000
Washakie, Wyoming 1 $ 345,000 $ 345,000 $ 98,000

Mortgage Loan Application Detail Totals for Glacier Bank in 2024

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 4,423 $2,015,695,000 $455,000 $19,375,000 $188,000 $8,788,000
Home Improvement 1,138 $173,190,000 $152,000 $1,505,000 $147,000 $2,693,000
Other Purpose 709 $104,685,000 $147,000 $2,005,000 $150,000 $4,386,000
Refinancing 680 $204,490,000 $300,000 $12,605,000 $165,000 $1,907,000
Cash-out Refinancing 346 $111,800,000 $323,000 $1,605,000 $136,000 $1,721,000
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 5,439 $1,739,505,000 $319,000 $5,915,000 $174,000 $8,788,000
Not Provided 827 $343,905,000 $415,000 $3,575,000 $205,000 $2,693,000
Hispanic 524 $142,740,000 $272,000 $2,755,000 $121,000 $2,695,000
Not applicable 332 $333,610,000 $1,004,000 $19,375,000 $0 $0
American Indian or Alaskan Native 69 $16,445,000 $238,000 $1,105,000 $101,000 $354,000
Asian 64 $20,900,000 $326,000 $855,000 $141,000 $419,000
Black or African American 31 $9,645,000 $311,000 $1,905,000 $179,000 $1,398,000
Native Hawaiian or Other Pacific Islander 10 $3,110,000 $311,000 $815,000 $133,000 $380,000

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) 6,476 $2,325,040,000 $359,000 $19,375,000 $183,000 $8,788,000
FHA-insured (Federal Housing Administration) 578 $185,530,000 $320,000 $735,000 $95,000 $354,000
VA-guaranteed (Veterans Administration) 190 $86,340,000 $454,000 $2,045,000 $127,000 $900,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $12,950,000 $249,000 $415,000 $75,000 $116,000

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 4,434 $1,512,840,000 $341,000 $19,375,000 $178,000 $8,788,000
Application Withdrawn By Applicant 1,434 $640,600,000 $446,000 $5,915,000 $203,000 $5,000,000
Application Denied By Financial Institution 1,203 $362,305,000 $301,000 $5,405,000 $119,000 $3,745,000
File Closed For Incompleteness 139 $66,645,000 $479,000 $5,585,000 $199,000 $1,261,000
Application Approved But Not Accepted 44 $10,830,000 $246,000 $855,000 $160,000 $977,000
Preapproval Approved but not Accepted 25 $10,405,000 $416,000 $955,000 $144,000 $446,000
Preapproval Denied by Financial Institution 9 $4,265,000 $473,000 $1,805,000 $99,000 $300,000
Loan Purchased By The Institution 8 $1,970,000 $246,000 $645,000 $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 6,084 $2,243,290,000 $368,000 $19,375,000 $184,000 $8,788,000
Debt-To-Income Ratio 711 $241,565,000 $339,000 $4,605,000 $93,000 $631,000
Credit History 194 $45,540,000 $234,000 $5,405,000 $140,000 $3,745,000
Collateral 190 $42,630,000 $224,000 $1,945,000 $171,000 $1,673,000
Other 57 $15,695,000 $275,000 $1,605,000 $165,000 $781,000
Insufficient Cash (Downpayment, Closing Cost) 33 $15,365,000 $465,000 $1,105,000 $163,000 $690,000
Employment History 17 $2,705,000 $159,000 $325,000 $72,000 $268,000
Unverifiable Information 10 $3,070,000 $307,000 $595,000 $158,000 $524,000
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 2024 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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