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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,368 loans · 0.12% above market
Exceptional
Top 20% of lenders
5/5
FHA
303 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
VA
102 loans · 0.51% below market
Strong
Top 40% of lenders
4/5
Jumbo
114 loans · 0.32% above market
Exceptional
Top 20% of lenders
5/5
USDA
21 loans · 0.20% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,672 loans · 0.13% above market
Exceptional
Top 20% of lenders
5/5
Refinance
237 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 22 markets
Strong
Top 40% of lenders
4/5
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
11Full-year 2024 · HMDALoans originated
< 100100–200200–500500+None
Midwest1
NE
West10
AZCOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 21 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.