At or near the top in its markets
It ranks first of 233 lenders in Bozeman, where its share rose to 10.7% from 7.7%, second of 263 in Coeur d'Alene at 7.1%, up from 6.7%, 2 of 372 in non-metro Montana and 3 of 314 in non-metro Wyoming.
Applications / Mortgage Analytics / Lenders / Montana / Glacier Bank
Glacier Bank
Kalispell, MT · State non-member bank · FDIC · $32.0 billion assets · 4,789 loans in 2025
Glacier Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
4,789
loans originated, 2025
7,678
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Glacier Bank is a leading mortgage lender across Montana, Idaho and Wyoming, and it raised its share in Bozeman, where it ranks first, in 2025.
Slower growth than similar banks
Originations rose 8% to 4,789, lower than about two in three similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 15%; the whole market grew 10%. Its dollar total of $1.96 billion is higher than about three in four, with a typical loan of $265,000 against $215,000 and jumbo loans (larger than the conforming limit) at 6.1% against 2.4%.
Few majority-minority and LMI areas
2.6% of its loans were in majority-minority tracts, against 14.5%, among the lowest tenth; low- and moderate-income (LMI) borrowers took 22.6%, against 29.6%, lower than about four in five. A footprint centred on Montana, Idaho and Wyoming, and its larger loans, are possible reasons.
Higher rates, with more manufactured homes
Its typical rate of 7.00% is higher than nearly nine in ten peers, though higher-priced loans (a rate well above the average for similar loans) were 1.9%, down from 3.0%. Manufactured homes, 4.2% of its loans against 1.3%, and FHA loans (insured by the Federal Housing Administration), 6.0% against 4.2%, are possible reasons.
Questions the data can answer next
- How do its rates differ by product, and how did the 2025 mergers with Bank of Idaho and Guaranty Bank & Trust change its county shares?
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
4,789 loans in 2025, against a peak of 12,218 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Glacier Bank took 7,678 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
55.3% of its 2025 loans were purchase loans; 91.0% were Conventional.
Purchase 55.3% · Refinance 18.5% · Home improvement 17.3% · Other 8.9%
Conventional 91.0% · FHA 6.0% · VA 2.7% · USDA (RHS or FSA) 0.3% · of 4,789 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
15 states, 59 metros, 218 counties
| State | Loans | Share |
|---|---|---|
| Montana | 1,904 | 39.8% |
| Idaho | 977 | 20.4% |
| Wyoming | 538 | 11.2% |
| Washington | 420 | 8.8% |
| Utah | 269 | 5.6% |
| Colorado | 259 | 5.4% |
| Arizona | 240 | 5.0% |
| Texas | 94 | 2.0% |
| Nevada | 75 | 1.6% |
| New Mexico | 5 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Coeur d'Alene | 321 |
| Billings | 284 |
| Helena | 268 |
| Bozeman | 220 |
| Missoula | 220 |
| Spokane-Spokane Valley | 167 |
| Pocatello | 127 |
| Boise City | 123 |
| Lake Havasu City-Kingman | 95 |
| Wenatchee-East Wenatchee | 95 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ESRQ6OLBB56N04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2634191 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45918 | 1990–1997 |
| Respondent ID (the HMDA filer code before 2018) | 22634191 | 1998–2001 |
| Respondent ID (the HMDA filer code before 2018) | 330788 | 2013–2017 |
Established 15 July 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Glacier Bank's data.
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