# Glacier Bank

> **Canonical URL:** https://saferate.com/lenders/glacier-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Glacier Bank is a bank, headquartered in Kalispell, MT, serving borrowers across 11 states, with 1,909 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300ESRQ6OLBB56N04
- **Headquarters:** Kalispell, MT
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AZ, CO, ID, MT, NE, NM, NV, OR, UT, WA, WY
- **Markets (MSAs):** 22
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.120%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,579
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,909
- **Dollar Volume:** $790 million
- **Applications Received:** 3,395
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $413,753
- **Average Borrower Income:** $172,247
- **Average Property Value:** $633,921

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 1,368 | +0.120% | $3,582 | Exceptional 🤩 |
| FHA | 79/100 | 303 | +0.339% | $3,781 | Strong 😀 |
| VA | 76/100 | 102 | -0.508% | $2,461 | Strong 😀 |
| Jumbo | 82/100 | 114 | +0.319% | $5,703 | Exceptional 🤩 |
| USDA | 77/100 | 21 | -0.199% | $1,951 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,162 loans, Score: 80/100 (Strong)
- Refinance: 206 loans, Score: 75/100 (Strong)

**FHA:**
- Purchase: 287 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 93 loans, Score: 75/100 (Strong)

**Jumbo:**
- Purchase: 108 loans, Score: 82/100 (Exceptional)

**USDA:**
- Purchase: 21 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 1,672 | $713M | +0.126% | Exceptional 🤩 |
| Refinance | 75/100 | 237 | $77M | +0.091% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MT | 592 | 5.68% | 91/100 |
| ID | 476 | 1.78% | 81/100 |
| WA | 360 | 0.42% | 79/100 |
| WY | 216 | 3.45% | 89/100 |
| UT | 107 | 0.24% | 64/100 |
| AZ | 84 | 0.08% | 59/100 |
| CO | 58 | 0.07% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 760 | 77/100 |
| Coeur d'Alene, ID | ID | 217 | 95/100 |
| Spokane | WA | 171 | 87/100 |
| Billings, MT | MT | 94 | 83/100 |
| Pocatello, ID | ID | 80 | 80/100 |
| Helena, MT | MT | 74 | 82/100 |
| Bozeman, MT | MT | 70 | 84/100 |
| Missoula, MT | MT | 60 | 85/100 |
| Yakima, WA | WA | 45 | 67/100 |
| Wenatchee | WA | 40 | 75/100 |
| Lake Havasu City | AZ | 32 | 62/100 |
| Kennewick | WA | 27 | 57/100 |
| Ogden, UT | UT | 27 | 54/100 |
| Boise City, ID | ID | 24 | 49/100 |
| Salt Lake City | UT | 23 | 50/100 |

## Where This Lender Ranks

Glacier Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Coeur d'Alene, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Coeur d'Alene, ID for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Spokane for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Pocatello, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pocatello-id/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Helena, MT for Jumbo Loans
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Helena, MT for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/helena-mt/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Missoula, MT for FHA Loans
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Missoula, MT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missoula-mt/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Yakima, WA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Wenatchee for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Montana for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Idaho for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/idaho/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Pocatello, ID for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pocatello-id/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Montana for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montana/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Coeur d'Alene, ID for FHA Loans
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Wyoming for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Wyoming for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wyoming/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Spokane for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Billings, MT for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/billings-mt/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in St. George, UT for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does Glacier Bank offer?

Glacier Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Glacier Bank offer mortgages?

Glacier Bank offers mortgages in 11 states: AZ, CO, ID, MT, NE, NM, NV, OR, UT, WA, WY.

### How competitive are Glacier Bank's mortgage rates?

Glacier Bank has a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.120% above market average.

### What type of lender is Glacier Bank?

Glacier Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Kalispell, MT.

### What is Glacier Bank's loan approval success rate?

Glacier Bank has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/glacier-bank

### How to Cite

> "Glacier Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/glacier-bank

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