Glacier Bank Mortgage Lending & HMDA Data, 2022
In 2022, Glacier Bank of Kalispell, MT reported 10,740 mortgage applications totaling $4.1 billion, down 32% from 2021. The average application was for $380,382, and applicants reported an average income of $163,781. 67% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Coeur D'Alene, ID (749), Missoula, MT (542) and Billings, MT (528) (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 | 10,740 |
| Total Mortgage Loan Application Amount | $4,085,310,000 |
| Average Mortgage Loan Application Amount | $380,382 |
| Highest Mortgage Loan Application Amount | $23,905,000 |
| Average Applicant Income | $163,781 |
| Highest Applicant Income | $9,433,000 |
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Act (HMDA) records Glacier Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 5,694 | $ 2,068,400,000 | $ 363,259 | $ 166,755 |
| Coeur D'Alene, ID | 749 | $ 307,115,000 | $ 410,033 | $ 172,000 |
| Missoula, MT | 542 | $ 169,760,000 | $ 313,210 | $ 167,000 |
| Billings, MT | 528 | $ 140,390,000 | $ 265,890 | $ 109,000 |
| Spokane-Spokane Valley, WA | 354 | $ 161,680,000 | $ 456,723 | $ 166,000 |
| Pocatello, ID | 321 | $ 78,595,000 | $ 244,844 | $ 121,000 |
| Boise City, ID | 320 | $ 99,180,000 | $ 309,937 | $ 148,000 |
| Provo-Orem, UT | 243 | $ 122,375,000 | $ 503,600 | $ 178,000 |
| Prescott Valley-Prescott, AZ | 226 | $ 90,230,000 | $ 399,247 | $ 174,000 |
| Lake Havasu City-Kingman, AZ | 199 | $ 60,795,000 | $ 305,502 | $ 138,000 |
| Casper, WY | 137 | $ 32,715,000 | $ 238,795 | $ 144,000 |
| Salt Lake City, UT | 136 | $ 85,690,000 | $ 630,073 | $ 190,000 |
| Ogden-Clearfield, UT | 133 | $ 48,565,000 | $ 365,150 | $ 164,000 |
| Logan, UT-ID | 117 | $ 43,915,000 | $ 375,341 | $ 120,846 |
| Idaho Falls, ID | 96 | $ 29,490,000 | $ 307,187 | $ 115,000 |
| Reno, NV | 95 | $ 44,785,000 | $ 471,421 | $ 257,000 |
| Wenatchee, WA | 94 | $ 51,200,000 | $ 544,680 | $ 241,000 |
| Phoenix-Mesa-Scottsdale, AZ | 88 | $ 114,190,000 | $ 1,297,613 | $ 209,000 |
| St. George, UT | 73 | $ 36,105,000 | $ 494,589 | $ 258,000 |
| Yuma, AZ | 72 | $ 26,710,000 | $ 370,972 | $ 106,000 |
| Denver-Aurora-Lakewood, CO | 70 | $ 64,220,000 | $ 917,428 | $ 349,000 |
| Grand Junction, CO | 70 | $ 33,190,000 | $ 474,142 | $ 124,000 |
| Pueblo, CO | 68 | $ 18,980,000 | $ 279,117 | $ 88,000 |
| Flagstaff, AZ | 46 | $ 18,990,000 | $ 412,826 | $ 189,000 |
| Great Falls, MT | 29 | $ 7,115,000 | $ 245,344 | $ 118,000 |
| Colorado Springs, CO | 25 | $ 9,335,000 | $ 373,400 | $ 171,000 |
| Tucson, AZ | 23 | $ 19,455,000 | $ 845,869 | $ 283,000 |
| Las Vegas-Henderson-Paradise, NV | 22 | $ 7,880,000 | $ 358,181 | $ 130,000 |
| Seattle-Bellevue-Everett, WA | 18 | $ 8,870,000 | $ 492,777 | $ 231,000 |
| Carson City, NV | 8 | $ 3,600,000 | $ 450,000 | $ 212,000 |
| Greeley, CO | 7 | $ 5,605,000 | $ 800,714 | $ 106,000 |
| Lewiston, ID-WA | 7 | $ 2,165,000 | $ 309,285 | $ 73,000 |
| Kennewick-Richland, WA | 6 | $ 1,720,000 | $ 286,666 | $ 192,000 |
| Twin Falls, ID | 5 | $ 2,545,000 | $ 509,000 | $ 87,000 |
| Cheyenne, WY | 4 | $ 2,330,000 | $ 582,500 | $ 146,000 |
| Boulder, CO | 2 | $ 8,300,000 | $ 4,150,000 | $ 168,000 |
| Farmington, NM | 2 | $ 410,000 | $ 205,000 | $ 182,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 1,900,000 | $ 950,000 | $ 0 |
| Longview, WA | 2 | $ 1,120,000 | $ 560,000 | $ 312,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 560,000 | $ 280,000 | $ 192,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 470,000 | $ 235,000 | $ 313,000 |
| Chicago-Naperville, IL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Fargo, ND-MN | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Fort Collins, CO | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 1,945,000 | $ 1,945,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 785,000 | $ 785,000 | $ 500,000 |
| Rapid City, SD | 1 | $ 1,115,000 | $ 1,115,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 635,000 | $ 635,000 | $ 60,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 175,000 | $ 175,000 | $ 276,000 |
| St. Louis, MO-IL | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Syracuse, NY | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Tyler, TX | 1 | $ 475,000 | $ 475,000 | $ 180,000 |
| Walla Walla, WA | 1 | $ 485,000 | $ 485,000 | $ 263,000 |
Mortgage Loan Application Detail Totals for Glacier Bank in 2022
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 | 5,497 | $2,744,605,000 | $499,000 | $23,905,000 | $178,000 | $5,027,000 |
| Home Improvement | 1,913 | $297,875,000 | $155,000 | $8,105,000 | $139,000 | $1,696,000 |
| Refinancing | 1,378 | $533,880,000 | $387,000 | $11,405,000 | $161,000 | $3,638,000 |
| Other Purpose | 1,066 | $199,660,000 | $187,000 | $6,715,000 | $169,000 | $9,433,000 |
| Cash-out Refinancing | 883 | $308,265,000 | $349,000 | $6,575,000 | $127,000 | $2,098,000 |
| Not Applicable | 3 | $1,025,000 | $341,000 | $415,000 | $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 | 8,597 | $2,799,435,000 | $325,000 | $11,885,000 | $162,000 | $9,433,000 |
| Not Provided | 1,027 | $399,445,000 | $388,000 | $3,005,000 | $193,000 | $4,353,000 |
| Not applicable | 566 | $722,090,000 | $1,275,000 | $23,905,000 | $0 | $0 |
| Hispanic | 313 | $82,005,000 | $261,000 | $1,175,000 | $110,000 | $1,077,000 |
| American Indian or Alaskan Native | 84 | $20,170,000 | $240,000 | $805,000 | $102,000 | $385,000 |
| Asian | 83 | $34,215,000 | $412,000 | $1,995,000 | $188,000 | $1,134,000 |
| Black or African American | 39 | $15,105,000 | $387,000 | $6,005,000 | $151,000 | $1,339,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $7,870,000 | $562,000 | $2,985,000 | $255,000 | $1,344,000 |
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) | 10,196 | $3,925,620,000 | $385,000 | $23,905,000 | $168,000 | $9,433,000 |
| FHA-insured (Federal Housing Administration) | 303 | $79,975,000 | $263,000 | $545,000 | $73,000 | $294,000 |
| VA-guaranteed (Veterans Administration) | 173 | $64,885,000 | $375,000 | $1,195,000 | $110,000 | $1,075,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $14,830,000 | $218,000 | $525,000 | $60,000 | $123,000 |
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 | 7,176 | $2,776,960,000 | $386,000 | $23,905,000 | $174,000 | $9,433,000 |
| Application Withdrawn By Applicant | 1,907 | $814,855,000 | $427,000 | $8,105,000 | $170,000 | $2,247,000 |
| Application Denied By Financial Institution | 1,386 | $391,060,000 | $282,000 | $8,705,000 | $97,000 | $2,121,000 |
| File Closed For Incompleteness | 180 | $73,130,000 | $406,000 | $3,905,000 | $202,000 | $3,600,000 |
| Application Approved But Not Accepted | 74 | $24,480,000 | $330,000 | $2,985,000 | $200,000 | $4,403,000 |
| Loan Purchased By The Institution | 9 | $1,905,000 | $211,000 | $415,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 5 | $1,885,000 | $377,000 | $645,000 | $227,000 | $418,000 |
| Preapproval Denied by Financial Institution | 3 | $1,035,000 | $345,000 | $475,000 | $48,000 | $94,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 9,351 | $3,693,215,000 | $394,000 | $23,905,000 | $174,000 | $9,433,000 |
| Debt-To-Income Ratio | 741 | $224,735,000 | $303,000 | $3,045,000 | $78,000 | $556,000 |
| Credit History | 289 | $60,985,000 | $211,000 | $2,305,000 | $89,000 | $521,000 |
| Collateral | 244 | $65,820,000 | $269,000 | $8,705,000 | $149,000 | $2,121,000 |
| Other | 46 | $16,490,000 | $358,000 | $3,005,000 | $154,000 | $1,320,000 |
| Employment History | 25 | $6,015,000 | $240,000 | $735,000 | $83,000 | $311,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $13,130,000 | $547,000 | $1,805,000 | $140,000 | $449,000 |
| Unverifiable Information | 17 | $4,315,000 | $253,000 | $675,000 | $93,000 | $344,000 |
| Credit Application Incomplete | 3 | $605,000 | $201,000 | $465,000 | $78,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Glacier Bank's 2022 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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