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Glacier Bank
Bank|Kalispell, MT|Multi-Region
Loans Originated
1,909
Applications
3,395
Volume
$789 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.120%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,579
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
56.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
Glacier Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 22 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$413,753
Average Borrower Income
$172,247
Average Property Value
$633,921
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Sound | 1,368 | 71.7% | +0.120% | $3,582 |
FHA Loans | Strong | Strong | Sound | Strong | 303 | 15.9% | +0.339% | $3,781 |
VA Loans | Strong | Strong | Sound | Strong | 102 | 5.3% | -0.508% | $2,461 |
Jumbo Loans | Acceptable | Exceptional | Mediocre | Sound | 114 | 6.0% | +0.319% | $5,703 |
USDA Loans | Sound | Strong | N/A | Sound | 21 | 1.1% | -0.199% | $1,951 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Sound | 1,672 | 87.6% | +0.126% | $3,587 |
Refinance | Sound | Strong | Acceptable | Strong | 237 | 12.4% | +0.091% | $3,533 |
Geographic Coverage
Metro Areas
21
States Served
11
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCOIDMTNENMNVORUTWAWY
Top Metro Areas by Place Specialization Score
1
Coeur d'Alene, ID, IDMSA
Volume: 217Mix: 11.37%
Place Specialization
Exceptional
2
Spokane, WAMSA
Volume: 171Mix: 8.96%
Place Specialization
Exceptional
3
Missoula, MT, MTMSA
Volume: 60Mix: 3.14%
Place Specialization
Exceptional
4
Bozeman, MT, MTMSA
Volume: 70Mix: 3.67%
Place Specialization
Exceptional
5
Billings, MT, MTMSA
Volume: 94Mix: 4.92%
Place Specialization
Exceptional
6
Helena, MT, MTMSA
Volume: 74Mix: 3.88%
Place Specialization
Exceptional
7
Pocatello, ID, IDMSA
Volume: 80Mix: 4.19%
Place Specialization
Strong
8
Wenatchee, WAMSA
Volume: 40Mix: 2.10%
Place Specialization
Strong
9
Yakima, WA, WAMSA
Volume: 45Mix: 2.36%
Place Specialization
Strong
10
Lake Havasu City, AZMSA
Volume: 32Mix: 1.68%
Place Specialization
Strong
Showing 10 of 21 metro areas
Top States by Place Specialization Score
1
MTState
Volume: 592Mix: 31.01%
Place Specialization
Exceptional
2
WYState
Volume: 216Mix: 11.31%
Place Specialization
Exceptional
3
IDState
Volume: 476Mix: 24.93%
Place Specialization
Exceptional
4
WAState
Volume: 360Mix: 18.86%
Place Specialization
Strong
5
UTState
Volume: 107Mix: 5.61%
Place Specialization
Strong
6
AZState
Volume: 84Mix: 4.40%
Place Specialization
Sound
7
COState
Volume: 58Mix: 3.04%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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