Glacier Bank mortgage approval rate & lending review
Glacier Bank decided 7,291 mortgage applications and funded 5,806 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Glacier Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Glacier Bank at a glance
Approval is 1.0 points above the 79.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 3,043 / 3,610 | 99% | $395K | 3,013 |
| Home improvement loans | 73% | 1,056 / 1,450 | 99% | $105K | 1,042 |
| Cash-out refinance | 71% | 208 / 293 | 99% | $325K | 205 |
| Refinance | 77% | 623 / 813 | 98% | $225K | 612 |
| Investment property purchase | 88% | 713 / 809 | 98% | $355K | 702 |
| Investment cash-out refinance | 64% | 23 / 36 | 100% | $285K | 23 |
| Investment refinance | 85% | 111 / 131 | 96% | $305K | 106 |
| Investment home improvement | 70% | 104 / 149 | 99% | $105K | 103 |
Glacier Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Montana | 80% | $395K | 3,117 | 2,463 |
| Idaho | 85% | $395K | 1,447 | 1,212 |
| Washington | 86% | $335K | 864 | 725 |
| Utah | 75% | $435K | 700 | 520 |
| Arizona | 76% | $275K | 688 | 518 |
| Colorado | 82% | $305K | 263 | 212 |
| Nevada | 73% | $255K | 134 | 97 |
| Texas | 85% | $265K | 33 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Glacier Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kootenai County, ID | Mortgage lenders | 92% | 623 | 571 |
| Spokane County, WA | Mortgage lenders | 89% | 454 | 394 |
| Yellowstone County, MT | Mortgage lenders | 86% | 408 | 345 |
| Flathead County, MT | Mortgage lenders | 78% | 415 | 322 |
| Gallatin County, MT | Mortgage lenders | 80% | 280 | 219 |
| Missoula County, MT | Mortgage lenders | 81% | 248 | 200 |
| Flathead County, MT | Home improvement loans | 71% | 229 | 162 |
| Gallatin County, MT | Home improvement loans | 70% | 195 | 136 |
| Missoula County, MT | Home improvement loans | 82% | 164 | 132 |
| Flathead County, MT | Investment property purchase | 87% | 143 | 123 |
| Flathead County, MT | Refinance | 85% | 141 | 120 |
| Yellowstone County, MT | Home improvement loans | 78% | 155 | 118 |
The county markets where Glacier Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Glacier Bank
What is Glacier Bank's mortgage approval rate?
Glacier Bank approved 80.7% of the 7,291 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points above the 79.6% national rate for the same mix of loan types.
How often do borrowers take the loan Glacier Bank offers?
Borrowers accepted 99% of the loans Glacier Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Glacier Bank make?
The typical home purchase mortgage loan Glacier Bank made was $395K; across all loan types its typical loan ran from $105K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Glacier Bank lend?
Glacier Bank decided applications in 20 of the states Fat Boy Data covers, most of them in Montana, Idaho and Washington.
Can I apply to Glacier Bank directly?
Yes. Glacier Bank is a bank or credit union with 257 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Glacier Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Glacier Bank treats applications, then get a rate quote from the lender.