We analyzed every closed loan from Glacier Bank — 1.9k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 21 mkts
Awards
FHA
Superstar
VA
Superstar
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
Explore another lender or local market
Report Card
Glacier Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+12.0 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 22 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,368 | 71.7% | +0.120%Above | $3,582Fees | ||||
FHA Loans | 303 | 15.9% | +0.339%Above | $3,781Fees | ||||
VA Loans | 102 | 5.3% | -0.508%Below | $2,461Fees | ||||
Jumbo Loans | 114 | 6.0% | +0.319%Above | $5,703Fees | ||||
USDA Loans | — | 21 | 1.1% | -0.199%Below | $1,951Fees |
Conventional
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume1,368
Mix71.7%
Spread
+0.120%Above
Fees
$3,582Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume303
Mix15.9%
Spread
+0.339%Above
Fees
$3,781Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume102
Mix5.3%
Spread
-0.508%Below
Fees
$2,461Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume114
Mix6.0%
Spread
+0.319%Above
Fees
$5,703Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume21
Mix1.1%
Spread
-0.199%Below
Fees
$1,951Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,672 | 87.6% | +0.126%Above | $3,587Fees | ||||
Refinance | 237 | 12.4% | +0.091%Above | $3,533Fees |
Purchase
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume1,672
Mix87.6%
Spread
+0.126%Above
Fees
$3,587Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume237
Mix12.4%
Spread
+0.091%Above
Fees
$3,533Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,909
Applications
3,395
Volume
$789 million
Pricing & Closing
Avg Rate Spread
+0.120%
vs. market APOR
Avg Net Fees
$3,579
Origination − Credits
Pullthrough Rate
56.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$413,753
Avg Borrower Income
$172,247
Avg Property Value
$633,921
Geographic Coverage
Geographic Performance
Metro Areas
21
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Midwest1
NE
West10
AZCOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Volume 217Mix 11.37% of portfolio
95/100
Exceptional
Volume 171Mix 8.96% of portfolio
87/100
Exceptional
Volume 60Mix 3.14% of portfolio
85/100
Exceptional
Volume 70Mix 3.67% of portfolio
84/100
Exceptional
Volume 94Mix 4.92% of portfolio
83/100
Exceptional
Volume 74Mix 3.88% of portfolio
82/100
Exceptional
Volume 80Mix 4.19% of portfolio
80/100
Strong
Volume 40Mix 2.10% of portfolio
75/100
Strong
Volume 45Mix 2.36% of portfolio
67/100
Strong
Volume 32Mix 1.68% of portfolio
62/100
StrongShowing 10 of 21 metro areas
Top States by Place Specialization Score
1
MontanaState
Volume 592Mix 31.01% of portfolio
91/100
Exceptional2
WyomingState
Volume 216Mix 11.31% of portfolio
89/100
Exceptional3
IdahoState
Volume 476Mix 24.93% of portfolio
81/100
Exceptional4
WashingtonState
Volume 360Mix 18.86% of portfolio
79/100
Strong5
UtahState
Volume 107Mix 5.61% of portfolio
64/100
Strong6
ArizonaState
Volume 84Mix 4.40% of portfolio
59/100
Sound7
ColoradoState
Volume 58Mix 3.04% of portfolio
55/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.