BMO Harris Bank NA Mortgage Lending & HMDA Data, 2012

In 2012, BMO Harris Bank NA of Chicago, IL reported 35,245 mortgage applications totaling $6.2 billion, up 165% from 2011. The average application was for $174,852, and applicants reported an average income of $107,106. 59% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (11,479), Milwaukee-Waukesha-West Allis, WI (3,282) and Indianapolis-Carmel, IN (1,449) (applications in parentheses).

Mortgage Company & Address BMO Harris Bank NA
111 W. Monroe
Chicago, IL 60606
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 35,245
Total Mortgage Loan Application Amount $6,162,687,000
Average Mortgage Loan Application Amount $174,852
Highest Mortgage Loan Application Amount $29,100,000
Average Applicant Income $107,106
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for BMO Harris Bank NA by County in 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 5,460 $ 1,086,413,000 $ 198,976 $ 120,000
Will, Illinois 1,779 $ 243,778,000 $ 137,030 $ 90,000
DuPage, Illinois 1,724 $ 359,877,000 $ 208,745 $ 126,000
Milwaukee, Wisconsin 1,281 $ 163,662,000 $ 127,761 $ 86,000
Dane, Wisconsin 1,165 $ 272,663,000 $ 234,045 $ 135,000
McHenry, Illinois 1,160 $ 161,602,000 $ 139,312 $ 84,000
Maricopa, Arizona 1,076 $ 279,316,000 $ 259,587 $ 151,000
Kane, Illinois 1,027 $ 162,929,000 $ 158,645 $ 101,000
Lake, Illinois 944 $ 247,832,000 $ 262,533 $ 162,000
Waukesha, Wisconsin 833 $ 173,454,000 $ 208,228 $ 124,000
Lake, Indiana 743 $ 80,781,000 $ 108,722 $ 75,000
Ozaukee, Wisconsin 690 $ 110,489,000 $ 160,128 $ 109,000
Brown, Wisconsin 597 $ 76,585,000 $ 128,283 $ 89,000
Winnebago, Illinois 520 $ 46,513,000 $ 89,448 $ 66,000
Marion, Indiana 503 $ 56,030,000 $ 111,391 $ 75,000
Washington, Wisconsin 478 $ 74,518,000 $ 155,895 $ 86,000
Outagamie, Wisconsin 461 $ 67,143,000 $ 145,646 $ 94,000
Rock, Wisconsin 458 $ 52,975,000 $ 115,665 $ 82,000
Hamilton, Indiana 378 $ 66,423,000 $ 175,722 $ 114,000
Racine, Wisconsin 325 $ 39,209,000 $ 120,643 $ 73,000
Marathon, Wisconsin 313 $ 46,586,000 $ 148,837 $ 93,000
Hennepin, Minnesota 310 $ 131,476,000 $ 424,116 $ 204,000
Winnebago, Wisconsin 304 $ 52,205,000 $ 171,726 $ 106,000
Kenosha, Wisconsin 296 $ 40,768,000 $ 137,729 $ 88,000
Dodge, Wisconsin 288 $ 35,649,000 $ 123,781 $ 63,000
Sheboygan, Wisconsin 282 $ 33,867,000 $ 120,095 $ 93,000
Portage, Wisconsin 257 $ 31,275,000 $ 121,692 $ 79,000
Fond du Lac, Wisconsin 244 $ 32,128,000 $ 131,672 $ 84,000
Oneida, Wisconsin 242 $ 33,913,000 $ 140,136 $ 106,000
Howard, Indiana 238 $ 18,970,000 $ 79,705 $ 61,000
Walworth, Wisconsin 222 $ 42,522,000 $ 191,540 $ 132,000
Kendall, Illinois 219 $ 30,000,000 $ 136,986 $ 76,000
Sauk, Wisconsin 201 $ 28,642,000 $ 142,497 $ 89,000
Porter, Indiana 193 $ 28,373,000 $ 147,010 $ 97,000
Calumet, Wisconsin 184 $ 22,495,000 $ 122,255 $ 87,000
Morgan, Indiana 181 $ 19,495,000 $ 107,707 $ 64,000
Vilas, Wisconsin 169 $ 29,214,000 $ 172,863 $ 118,000
Collier, Florida 165 $ 70,550,000 $ 427,575 $ 318,000
St. Louis, Missouri 156 $ 31,023,000 $ 198,865 $ 110,000
Johnson, Indiana 150 $ 18,893,000 $ 125,953 $ 77,000
Shawano, Wisconsin 146 $ 20,921,000 $ 143,294 $ 75,000
Manatee, Florida 142 $ 27,987,000 $ 197,091 $ 125,000
Adams, Wisconsin 141 $ 12,338,000 $ 87,503 $ 70,000
Sarasota, Florida 139 $ 47,796,000 $ 343,856 $ 198,000
Jefferson, Wisconsin 136 $ 22,486,000 $ 165,338 $ 87,000
Hendricks, Indiana 120 $ 13,857,000 $ 115,475 $ 77,000
Oconto, Wisconsin 120 $ 15,888,000 $ 132,400 $ 97,000
Pima, Arizona 118 $ 22,397,000 $ 189,805 $ 119,000
St. Louis City, Missouri 116 $ 10,794,000 $ 93,051 $ 56,000
Wood, Wisconsin 114 $ 18,161,000 $ 159,307 $ 99,000
Waushara, Wisconsin 107 $ 14,694,000 $ 137,327 $ 79,000
Lincoln, Wisconsin 105 $ 12,142,000 $ 115,638 $ 70,000
Waupaca, Wisconsin 105 $ 11,220,000 $ 106,857 $ 68,000
Clark, Wisconsin 103 $ 24,239,000 $ 235,330 $ 66,000
Manitowoc, Wisconsin 103 $ 11,613,000 $ 112,747 $ 74,000
Marinette, Wisconsin 101 $ 10,460,000 $ 103,564 $ 83,000
Lee, Florida 100 $ 24,503,000 $ 245,030 $ 235,000
Yavapai, Arizona 99 $ 19,758,000 $ 199,575 $ 86,000
Sullivan, Indiana 96 $ 5,090,000 $ 53,020 $ 50,000
Eau Claire, Wisconsin 95 $ 14,443,000 $ 152,031 $ 120,000
Iowa, Wisconsin 92 $ 14,765,000 $ 160,489 $ 93,000
Chippewa, Wisconsin 91 $ 17,227,000 $ 189,307 $ 77,000
Ashland, Wisconsin 89 $ 8,805,000 $ 98,932 $ 62,000
La Crosse, Wisconsin 89 $ 11,742,000 $ 131,932 $ 64,000
Boone, Illinois 88 $ 9,576,000 $ 108,818 $ 66,000
Orange, Florida 87 $ 29,483,000 $ 338,885 $ 143,000
Johnson, Kansas 87 $ 17,676,000 $ 203,172 $ 142,000
Bayfield, Wisconsin 87 $ 9,658,000 $ 111,011 $ 93,000
Grant, Indiana 71 $ 5,028,000 $ 70,816 $ 67,000
Juneau, Wisconsin 70 $ 9,865,000 $ 140,928 $ 93,000
Columbia, Wisconsin 68 $ 10,758,000 $ 158,205 $ 133,000
Green Lake, Wisconsin 68 $ 8,850,000 $ 130,147 $ 137,000
Grundy, Illinois 66 $ 8,074,000 $ 122,333 $ 81,000
Cass, Indiana 66 $ 4,992,000 $ 75,636 $ 55,000
Boone, Indiana 60 $ 13,975,000 $ 232,916 $ 140,000
Pinal, Arizona 59 $ 7,932,000 $ 134,440 $ 82,000
Douglas, Wisconsin 59 $ 5,242,000 $ 88,847 $ 68,000
Marquette, Wisconsin 58 $ 7,225,000 $ 124,568 $ 70,000
Dakota, Minnesota 57 $ 18,699,000 $ 328,052 $ 101,000
Jackson, Missouri 55 $ 7,467,000 $ 135,763 $ 84,000
King, Washington 55 $ 36,664,000 $ 666,618 $ 278,000
St. Clair, Illinois 54 $ 4,826,000 $ 89,370 $ 62,000
Madison, Indiana 54 $ 3,821,000 $ 70,759 $ 51,000
Anoka, Minnesota 54 $ 10,108,000 $ 187,185 $ 95,000
Palm Beach, Florida 49 $ 20,833,000 $ 425,163 $ 230,000
Tipton, Indiana 47 $ 4,374,000 $ 93,063 $ 72,000
Door, Wisconsin 47 $ 10,729,000 $ 228,276 $ 184,000
Richland, Wisconsin 47 $ 4,361,000 $ 92,787 $ 79,000
Pierce, Wisconsin 46 $ 5,251,000 $ 114,152 $ 71,000
Vigo, Indiana 45 $ 4,166,000 $ 92,577 $ 57,000
DeKalb, Illinois 44 $ 4,726,000 $ 107,409 $ 75,000
Dunn, Wisconsin 44 $ 8,885,000 $ 201,931 $ 72,000
Hillsborough, Florida 43 $ 12,053,000 $ 280,302 $ 128,000
Washington, Minnesota 42 $ 10,525,000 $ 250,595 $ 107,000
Clay, Indiana 41 $ 3,703,000 $ 90,317 $ 61,000
Ramsey, Minnesota 41 $ 9,430,000 $ 230,000 $ 145,000
St. Louis, Minnesota 40 $ 5,849,000 $ 146,225 $ 94,000
Kewaunee, Wisconsin 39 $ 9,194,000 $ 235,743 $ 84,000
Buchanan, Missouri 38 $ 5,295,000 $ 139,342 $ 69,000
Seminole, Florida 37 $ 7,460,000 $ 201,621 $ 100,000
Scott, Minnesota 35 $ 5,946,000 $ 169,885 $ 81,000
Pinellas, Florida 33 $ 7,637,000 $ 231,424 $ 302,000
St. Croix, Wisconsin 32 $ 6,851,000 $ 214,093 $ 86,000
Lake, Florida 31 $ 4,756,000 $ 153,419 $ 88,000
Grant, Wisconsin 31 $ 3,504,000 $ 113,032 $ 74,000
Crawford, Kansas 29 $ 2,376,000 $ 81,931 $ 66,000
Coconino, Arizona 26 $ 7,913,000 $ 304,346 $ 184,000
LaSalle, Illinois 26 $ 3,614,000 $ 139,000 $ 89,000
Green, Wisconsin 25 $ 7,779,000 $ 311,160 $ 71,000
Hancock, Indiana 23 $ 3,520,000 $ 153,043 $ 83,000
Clay, Missouri 23 $ 3,566,000 $ 155,043 $ 84,000
St. Charles, Missouri 23 $ 2,729,000 $ 118,652 $ 55,000
Rush, Indiana 22 $ 1,658,000 $ 75,363 $ 41,000
Jefferson, Missouri 22 $ 3,339,000 $ 151,772 $ 74,000
Wayne, Indiana 21 $ 1,299,000 $ 61,857 $ 51,000
Broward, Florida 20 $ 5,436,000 $ 271,800 $ 176,000
Kankakee, Illinois 20 $ 2,190,000 $ 109,500 $ 65,000
LaPorte, Indiana 20 $ 4,281,000 $ 214,050 $ 141,000
Carver, Minnesota 20 $ 4,780,000 $ 239,000 $ 143,000
Clark, Nevada 20 $ 4,409,000 $ 220,450 $ 171,000
Vernon, Wisconsin 19 $ 1,859,000 $ 97,842 $ 69,000
Charlotte, Florida 18 $ 3,185,000 $ 176,944 $ 201,000
Putnam, Indiana 18 $ 2,174,000 $ 120,777 $ 96,000
Berrien, Michigan 18 $ 6,028,000 $ 334,888 $ 298,000
Stark, Ohio 17 $ 2,048,000 $ 120,470 $ 39,000
Langlade, Wisconsin 16 $ 1,941,000 $ 121,312 $ 91,000
Monroe, Wisconsin 16 $ 2,384,000 $ 149,000 $ 50,000
San Diego, California 15 $ 4,405,000 $ 293,666 $ 309,000
Miami-Dade, Florida 14 $ 5,474,000 $ 391,000 $ 509,000
Pasco, Florida 14 $ 2,415,000 $ 172,500 $ 106,000
Volusia, Florida 14 $ 5,211,000 $ 372,214 $ 144,000
Ogle, Illinois 14 $ 2,132,000 $ 152,285 $ 129,000
Forest, Wisconsin 14 $ 2,307,000 $ 164,785 $ 162,000
Iron, Wisconsin 14 $ 3,040,000 $ 217,142 $ 160,000
Menominee, Wisconsin 14 $ 1,815,000 $ 129,642 $ 129,000
Riverside, California 13 $ 5,121,000 $ 393,923 $ 409,000
Allegheny, Pennsylvania 13 $ 1,757,000 $ 135,153 $ 40,000
Jefferson, Colorado 12 $ 2,620,000 $ 218,333 $ 19,000
Jo Daviess, Illinois 12 $ 1,670,000 $ 139,166 $ 141,000
Miami, Indiana 12 $ 1,468,000 $ 122,333 $ 79,000
Crow Wing, Minnesota 12 $ 4,087,000 $ 340,583 $ 168,000
Wright, Minnesota 12 $ 2,494,000 $ 207,833 $ 151,000
Indian River, Florida 11 $ 4,828,000 $ 438,909 $ 178,000
Peoria, Illinois 11 $ 1,265,000 $ 115,000 $ 96,000
Brown, Indiana 11 $ 1,909,000 $ 173,545 $ 84,000
Sherburne, Minnesota 11 $ 1,664,000 $ 151,272 $ 72,000
Andrew, Missouri 11 $ 1,974,000 $ 179,454 $ 81,000
Platte, Missouri 11 $ 2,686,000 $ 244,181 $ 132,000
Greenville, South Carolina 11 $ 1,418,000 $ 128,909 $ 71,000
Horry, South Carolina 11 $ 2,153,000 $ 195,727 $ 71,000
Lafayette, Wisconsin 11 $ 2,478,000 $ 225,272 $ 69,000
Sawyer, Wisconsin 11 $ 2,471,000 $ 224,636 $ 129,000
Mohave, Arizona 10 $ 1,099,000 $ 109,900 $ 84,000
Orange, California 10 $ 10,773,000 $ 1,077,300 $ 1,196,000
Denver, Colorado 10 $ 3,336,000 $ 333,600 $ 244,000
Polk, Florida 10 $ 1,495,000 $ 149,500 $ 82,000
Madison, Illinois 10 $ 3,336,000 $ 333,600 $ 119,000
Cass, Michigan 10 $ 1,825,000 $ 182,500 $ 155,000
Franklin, Ohio 10 $ 1,707,000 $ 170,700 $ 71,000
Summit, Utah 10 $ 5,363,000 $ 536,300 $ 361,000
Fairfax, Virginia 10 $ 4,978,000 $ 497,800 $ 461,000
Barron, Wisconsin 10 $ 1,904,000 $ 190,400 $ 101,000
Crawford, Wisconsin 10 $ 1,201,000 $ 120,100 $ 102,000
Navajo, Arizona 9 $ 1,755,000 $ 195,000 $ 171,000
Boulder, Colorado 9 $ 3,421,000 $ 380,111 $ 196,000
Martin, Florida 9 $ 5,670,000 $ 630,000 $ 453,000
Jasper, Indiana 9 $ 1,265,000 $ 140,555 $ 86,000
Polk, Wisconsin 9 $ 1,675,000 $ 186,111 $ 128,000
Adams, Colorado 8 $ 1,486,000 $ 185,750 $ 57,000
Eagle, Colorado 8 $ 7,353,000 $ 919,125 $ 548,000
Osceola, Florida 8 $ 1,246,000 $ 155,750 $ 95,000
Sumter, Florida 8 $ 1,276,000 $ 159,500 $ 215,000
Monroe, Indiana 8 $ 1,072,000 $ 134,000 $ 94,000
Wyandotte, Kansas 8 $ 875,000 $ 109,375 $ 69,000
Oakland, Michigan 8 $ 1,348,000 $ 168,500 $ 134,000
Jackson, Wisconsin 8 $ 646,000 $ 80,750 $ 57,000
Apache, Arizona 7 $ 1,259,000 $ 179,857 $ 151,000
Monroe, Florida 7 $ 2,047,000 $ 292,428 $ 457,000
Montgomery, Maryland 7 $ 6,530,000 $ 932,857 $ 1,240,000
Allegan, Michigan 7 $ 1,879,000 $ 268,428 $ 364,000
Iron, Michigan 7 $ 1,213,000 $ 173,285 $ 131,000
Menominee, Michigan 7 $ 1,549,000 $ 221,285 $ 49,000
Chisago, Minnesota 7 $ 1,150,000 $ 164,285 $ 45,000
Stearns, Minnesota 7 $ 874,000 $ 124,857 $ 79,000
Henry, Virginia 7 $ 637,000 $ 91,000 $ 31,000
Gila, Arizona 6 $ 1,069,000 $ 178,166 $ 202,000
Los Angeles, California 6 $ 6,920,000 $ 1,153,333 $ 487,000
Arapahoe, Colorado 6 $ 1,167,000 $ 194,500 $ 63,000
Douglas, Colorado 6 $ 1,617,000 $ 269,500 $ 66,000
Pitkin, Colorado 6 $ 7,082,000 $ 1,180,333 $ 506,000
District of Columbia, District Of Columbia 6 $ 2,534,000 $ 422,333 $ 189,000
Citrus, Florida 6 $ 819,000 $ 136,500 $ 147,000
Maui, Hawaii 6 $ 3,301,000 $ 550,166 $ 366,000
Rock Island, Illinois 6 $ 456,000 $ 76,000 $ 92,000
Delaware, Indiana 6 $ 500,000 $ 83,333 $ 66,000
Rice, Minnesota 6 $ 5,305,000 $ 884,166 $ 163,000
Charleston, South Carolina 6 $ 2,301,000 $ 383,500 $ 270,000
Denton, Texas 6 $ 1,132,000 $ 188,666 $ 106,000
Pepin, Wisconsin 6 $ 928,000 $ 154,666 $ 74,000
Price, Wisconsin 6 $ 1,040,000 $ 173,333 $ 121,000
Rusk, Wisconsin 6 $ 1,238,000 $ 206,333 $ 129,000
Fairfield, Connecticut 5 $ 3,046,000 $ 609,200 $ 168,000
Brevard, Florida 5 $ 790,000 $ 158,000 $ 89,000
Walton, Florida 5 $ 1,632,000 $ 326,400 $ 270,000
Fulton, Georgia 5 $ 1,036,000 $ 207,200 $ 151,000
Kauai, Hawaii 5 $ 2,505,000 $ 501,000 $ 658,000
Fulton, Illinois 5 $ 516,000 $ 103,200 $ 74,000
Carroll, Indiana 5 $ 431,000 $ 86,200 $ 42,000
Henry, Indiana 5 $ 380,000 $ 76,000 $ 78,000
Newton, Indiana 5 $ 634,000 $ 126,800 $ 98,000
Owen, Indiana 5 $ 291,000 $ 58,200 $ 59,000
Shelby, Indiana 5 $ 525,000 $ 105,000 $ 56,000
Polk, Iowa 5 $ 430,000 $ 86,000 $ 38,000
Van Buren, Michigan 5 $ 834,000 $ 166,800 $ 311,000
Franklin, Missouri 5 $ 1,565,000 $ 313,000 $ 367,000
Hamilton, Ohio 5 $ 801,000 $ 160,200 $ 174,000
Spartanburg, South Carolina 5 $ 728,000 $ 145,600 $ 41,000
Snohomish, Washington 5 $ 1,359,000 $ 271,800 $ 104,000
Trempealeau, Wisconsin 5 $ 379,000 $ 75,800 $ 66,000
Cochise, Arizona 4 $ 571,000 $ 142,750 $ 78,000
Alameda, California 4 $ 1,484,000 $ 371,000 $ 114,000
San Mateo, California 4 $ 5,601,000 $ 1,400,250 $ 107,000
Santa Barbara, California 4 $ 3,641,000 $ 910,250 $ 557,000
Larimer, Colorado 4 $ 1,205,000 $ 301,250 $ 213,000
Blaine, Idaho 4 $ 1,958,000 $ 489,500 $ 515,000
Lee, Illinois 4 $ 395,000 $ 98,750 $ 53,000
Monroe, Illinois 4 $ 642,000 $ 160,500 $ 21,000
Greene, Indiana 4 $ 243,000 $ 60,750 $ 81,000
Scott, Indiana 4 $ 726,000 $ 181,500 $ 89,000
White, Indiana 4 $ 433,000 $ 108,250 $ 107,000
Sedgwick, Kansas 4 $ 662,000 $ 165,500 $ 68,000
Gogebic, Michigan 4 $ 490,000 $ 122,500 $ 107,000
Ingham, Michigan 4 $ 996,000 $ 249,000 $ 236,000
Kalamazoo, Michigan 4 $ 535,000 $ 133,750 $ 468,000
Kent, Michigan 4 $ 480,000 $ 120,000 $ 92,000
Wayne, Michigan 4 $ 361,000 $ 90,250 $ 95,000
Aitkin, Minnesota 4 $ 337,000 $ 84,250 $ 104,000
Itasca, Minnesota 4 $ 499,000 $ 124,750 $ 78,000
Lake, Minnesota 4 $ 597,000 $ 149,250 $ 118,000
Mille Lacs, Minnesota 4 $ 1,143,000 $ 285,750 $ 40,000
Nicollet, Minnesota 4 $ 601,000 $ 150,250 $ 58,000
Cass, Missouri 4 $ 1,208,000 $ 302,000 $ 128,000
Warren, Missouri 4 $ 460,000 $ 115,000 $ 30,000
Suffolk, New York 4 $ 1,364,000 $ 341,000 $ 342,000
Macon, North Carolina 4 $ 1,367,000 $ 341,750 $ 152,000
Mecklenburg, North Carolina 4 $ 743,000 $ 185,750 $ 46,000
Mahoning, Ohio 4 $ 238,000 $ 59,500 $ 31,000
Montgomery, Ohio 4 $ 733,000 $ 183,250 $ 210,000
Hidalgo, Texas 4 $ 732,000 $ 183,000 $ 104,000
Arlington, Virginia 4 $ 1,803,000 $ 450,750 $ 294,000
Kitsap, Washington 4 $ 1,840,000 $ 460,000 $ 228,000
Buffalo, Wisconsin 4 $ 368,000 $ 92,000 $ 73,000
Santa Cruz, Arizona 3 $ 552,000 $ 184,000 $ 127,000
San Francisco, California 3 $ 2,248,000 $ 749,333 $ 260,000
Broomfield, Colorado 3 $ 860,000 $ 286,666 $ 77,000
La Plata, Colorado 3 $ 1,002,000 $ 334,000 $ 175,000
Hartford, Connecticut 3 $ 664,000 $ 221,333 $ 55,000
Litchfield, Connecticut 3 $ 2,710,000 $ 903,333 $ 810,000
Alachua, Florida 3 $ 22,756,000 $ 7,585,333 $ 16,000
Hernando, Florida 3 $ 1,411,000 $ 470,333 $ 142,000
St. Johns, Florida 3 $ 1,991,000 $ 663,666 $ 313,000
Hawaii, Hawaii 3 $ 1,635,000 $ 545,000 $ 250,000
Marshall, Illinois 3 $ 640,000 $ 213,333 $ 386,000
Stephenson, Illinois 3 $ 338,000 $ 112,666 $ 39,000
Allen, Indiana 3 $ 271,000 $ 90,333 $ 159,000
Bartholomew, Indiana 3 $ 217,000 $ 72,333 $ 94,000
Kosciusko, Indiana 3 $ 185,000 $ 61,666 $ 98,000
Randolph, Indiana 3 $ 141,000 $ 47,000 $ 106,000
Tippecanoe, Indiana 3 $ 260,000 $ 86,666 $ 176,000
Vermillion, Indiana 3 $ 183,000 $ 61,000 $ 60,000
Dallas, Iowa 3 $ 862,000 $ 287,333 $ 109,000
Grant, Kansas 3 $ 186,000 $ 62,000 $ 42,000
Essex, Massachusetts 3 $ 1,754,000 $ 584,666 $ 324,000
Middlesex, Massachusetts 3 $ 1,782,000 $ 594,000 $ 283,000
Barry, Michigan 3 $ 720,000 $ 240,000 $ 336,000
Emmet, Michigan 3 $ 4,178,000 $ 1,392,666 $ 2,960,000
Macomb, Michigan 3 $ 142,000 $ 47,333 $ 54,000
Mason, Michigan 3 $ 256,000 $ 85,333 $ 150,000
Beltrami, Minnesota 3 $ 1,356,000 $ 452,000 $ 33,000
Cass, Minnesota 3 $ 1,274,000 $ 424,666 $ 290,000
Cook, Minnesota 3 $ 675,000 $ 225,000 $ 103,000
Goodhue, Minnesota 3 $ 645,000 $ 215,000 $ 160,000
Hubbard, Minnesota 3 $ 702,000 $ 234,000 $ 475,000
Isanti, Minnesota 3 $ 475,000 $ 158,333 $ 38,000
McLeod, Minnesota 3 $ 301,000 $ 100,333 $ 123,000
Waseca, Minnesota 3 $ 275,000 $ 91,666 $ 50,000
Clinton, Missouri 3 $ 471,000 $ 157,000 $ 61,000
Lincoln, Missouri 3 $ 293,000 $ 97,666 $ 172,000
Newton, Missouri 3 $ 261,000 $ 87,000 $ 66,000
Taney, Missouri 3 $ 327,000 $ 109,000 $ 63,000
Flathead, Montana 3 $ 652,000 $ 217,333 $ 275,000
Douglas, Nebraska 3 $ 523,000 $ 174,333 $ 137,000
Bergen, New Jersey 3 $ 2,481,000 $ 827,000 $ 1,243,000
Santa Fe, New Mexico 3 $ 1,396,000 $ 465,333 $ 209,000
Buncombe, North Carolina 3 $ 837,000 $ 279,000 $ 144,000
Butler, Ohio 3 $ 534,000 $ 178,000 $ 45,000
Clermont, Ohio 3 $ 525,000 $ 175,000 $ 24,000
Cuyahoga, Ohio 3 $ 333,000 $ 111,000 $ 57,000
Lorain, Ohio 3 $ 373,000 $ 124,333 $ 52,000
Lucas, Ohio 3 $ 648,000 $ 216,000 $ 163,000
Deschutes, Oregon 3 $ 666,000 $ 222,000 $ 268,000
Philadelphia, Pennsylvania 3 $ 495,000 $ 165,000 $ 81,000
Beaufort, South Carolina 3 $ 1,202,000 $ 400,666 $ 495,000
Harris, Texas 3 $ 2,119,000 $ 706,333 $ 378,000
Alexandria, Virginia 3 $ 1,476,000 $ 492,000 $ 204,000
Loudoun, Virginia 3 $ 691,000 $ 230,333 $ 96,000
Martinsville, Virginia 3 $ 467,000 $ 155,666 $ 65,000
San Juan, Washington 3 $ 2,264,000 $ 754,666 $ 133,000
Florence, Wisconsin 3 $ 226,000 $ 75,333 $ 56,000
Taylor, Wisconsin 3 $ 275,000 $ 91,666 $ 26,000
Marin, California 2 $ 1,881,000 $ 940,500 $ 368,000
San Bernardino, California 2 $ 351,000 $ 175,500 $ 67,000
Sonoma, California 2 $ 316,000 $ 158,000 $ 62,000
El Paso, Colorado 2 $ 358,000 $ 179,000 $ 15,000
Grand, Colorado 2 $ 853,000 $ 426,500 $ 335,000
Pueblo, Colorado 2 $ 361,000 $ 180,500 $ 37,000
Routt, Colorado 2 $ 807,000 $ 403,500 $ 294,000
Weld, Colorado 2 $ 237,000 $ 118,500 $ 23,000
Sussex, Delaware 2 $ 3,407,000 $ 1,703,500 $ 2,617,000
Bay, Florida 2 $ 493,000 $ 246,500 $ 216,000
Duval, Florida 2 $ 530,000 $ 265,000 $ 83,000
Flagler, Florida 2 $ 346,000 $ 173,000 $ 104,000
St. Lucie, Florida 2 $ 254,000 $ 127,000 $ 103,000
Cobb, Georgia 2 $ 180,000 $ 90,000 $ 119,000
Kootenai, Idaho 2 $ 426,000 $ 213,000 $ 104,000
Champaign, Illinois 2 $ 380,000 $ 190,000 $ 258,000
Ford, Illinois 2 $ 234,000 $ 117,000 $ 6,000
Knox, Illinois 2 $ 98,000 $ 49,000 $ 249,000
Livingston, Illinois 2 $ 179,000 $ 89,500 $ 66,000
Vermilion, Illinois 2 $ 186,000 $ 93,000 $ 55,000
Whiteside, Illinois 2 $ 253,000 $ 126,500 $ 40,000
Blackford, Indiana 2 $ 121,000 $ 60,500 $ 68,000
Clinton, Indiana 2 $ 239,000 $ 119,500 $ 109,000
Marshall, Indiana 2 $ 560,000 $ 280,000 $ 86,000
Parke, Indiana 2 $ 187,000 $ 93,500 $ 39,000
Pulaski, Indiana 2 $ 227,000 $ 113,500 $ 105,000
Starke, Indiana 2 $ 322,000 $ 161,000 $ 279,000
Wabash, Indiana 2 $ 110,000 $ 55,000 $ 63,000
Allamakee, Iowa 2 $ 239,000 $ 119,500 $ 62,000
Black Hawk, Iowa 2 $ 156,000 $ 78,000 $ 49,000
Howard, Iowa 2 $ 106,000 $ 53,000 $ 21,000
Jasper, Iowa 2 $ 217,000 $ 108,500 $ 72,000
Linn, Iowa 2 $ 192,000 $ 96,000 $ 72,000
Madison, Iowa 2 $ 350,000 $ 175,000 $ 113,000
Cherokee, Kansas 2 $ 123,000 $ 61,500 $ 62,000
Douglas, Kansas 2 $ 441,000 $ 220,500 $ 113,000
Ascension, Louisiana 2 $ 577,000 $ 288,500 $ 130,000
Orleans, Louisiana 2 $ 921,000 $ 460,500 $ 332,000
Howard, Maryland 2 $ 421,000 $ 210,500 $ 140,000
Barnstable, Massachusetts 2 $ 766,000 $ 383,000 $ 199,000
Norfolk, Massachusetts 2 $ 834,000 $ 417,000 $ 400,000
Charlevoix, Michigan 2 $ 512,000 $ 256,000 $ 18,000
Chippewa, Michigan 2 $ 408,000 $ 204,000 $ 186,000
Lake, Michigan 2 $ 401,000 $ 200,500 $ 331,000
Marquette, Michigan 2 $ 490,000 $ 245,000 $ 110,000
Ottawa, Michigan 2 $ 1,507,000 $ 753,500 $ 32,000
St. Joseph, Michigan 2 $ 452,000 $ 226,000 $ 282,000
Blue Earth, Minnesota 2 $ 307,000 $ 153,500 $ 32,000
Brown, Minnesota 2 $ 187,000 $ 93,500 $ 40,000
Carlton, Minnesota 2 $ 361,000 $ 180,500 $ 84,000
Douglas, Minnesota 2 $ 528,000 $ 264,000 $ 161,000
Freeborn, Minnesota 2 $ 248,000 $ 124,000 $ 50,000
Lyon, Minnesota 2 $ 153,000 $ 76,500 $ 26,000
Meeker, Minnesota 2 $ 138,000 $ 69,000 $ 8,000
Olmsted, Minnesota 2 $ 895,000 $ 447,500 $ 233,000
Otter Tail, Minnesota 2 $ 1,020,000 $ 510,000 $ 568,000
Renville, Minnesota 2 $ 257,000 $ 128,500 $ 46,000
Sibley, Minnesota 2 $ 230,000 $ 115,000 $ 54,000
Winona, Minnesota 2 $ 358,000 $ 179,000 $ 70,000
Lamar, Mississippi 2 $ 196,000 $ 98,000 $ 23,000
Bates, Missouri 2 $ 170,000 $ 85,000 $ 43,000
Boone, Missouri 2 $ 363,000 $ 181,500 $ 104,000
Caldwell, Missouri 2 $ 208,000 $ 104,000 $ 53,000
Callaway, Missouri 2 $ 193,000 $ 96,500 $ 24,000
Greene, Missouri 2 $ 365,000 $ 182,500 $ 85,000
Morgan, Missouri 2 $ 159,000 $ 79,500 $ 129,000
Stone, Missouri 2 $ 548,000 $ 274,000 $ 75,000
Gallatin, Montana 2 $ 2,035,000 $ 1,017,500 $ 313,000
Middlesex, New Jersey 2 $ 729,000 $ 364,500 $ 144,000
Bernalillo, New Mexico 2 $ 312,000 $ 156,000 $ 94,000
Dona Ana, New Mexico 2 $ 225,000 $ 112,500 $ 141,000
Dutchess, New York 2 $ 666,000 $ 333,000 $ 250,000
Nassau, New York 2 $ 740,000 $ 370,000 $ 101,000
Rockland, New York 2 $ 358,000 $ 179,000 $ 57,000
Westchester, New York 2 $ 1,943,000 $ 971,500 $ 412,000
Lincoln, North Carolina 2 $ 697,000 $ 348,500 $ 225,000
Wake, North Carolina 2 $ 760,000 $ 380,000 $ 318,000
Beaver, Pennsylvania 2 $ 342,000 $ 171,000 $ 112,000
Bucks, Pennsylvania 2 $ 295,000 $ 147,500 $ 380,000
Lebanon, Pennsylvania 2 $ 218,000 $ 109,000 $ 29,000
Montgomery, Pennsylvania 2 $ 743,000 $ 371,500 $ 920,000
Washington, Pennsylvania 2 $ 194,000 $ 97,000 $ 32,000
Westmoreland, Pennsylvania 2 $ 185,000 $ 92,500 $ 19,000
Anderson, South Carolina 2 $ 367,000 $ 183,500 $ 47,000
Barnwell, South Carolina 2 $ 375,000 $ 187,500 $ 49,000
Berkeley, South Carolina 2 $ 408,000 $ 204,000 $ 31,000
Florence, South Carolina 2 $ 208,000 $ 104,000 $ 39,000
Bexar, Texas 2 $ 154,000 $ 77,000 $ 73,000
Dallas, Texas 2 $ 1,206,000 $ 603,000 $ 634,000
Tarrant, Texas 2 $ 339,000 $ 169,500 $ 52,000
Williamson, Texas 2 $ 255,000 $ 127,500 $ 73,000
Salt Lake, Utah 2 $ 441,000 $ 220,500 $ 257,000
Utah, Utah 2 $ 469,000 $ 234,500 $ 0
Brunswick, Virginia 2 $ 326,000 $ 163,000 $ 55,000
Clark, Washington 2 $ 345,000 $ 172,500 $ 88,000
Okanogan, Washington 2 $ 702,000 $ 351,000 $ 207,000
Washburn, Wisconsin 2 $ 517,000 $ 258,500 $ 103,000
Jefferson, Alabama 1 $ 337,000 $ 337,000 $ 113,000
Limestone, Alabama 1 $ 150,000 $ 150,000 $ 120,000
Shelby, Alabama 1 $ 138,000 $ 138,000 $ 34,000
Garland, Arkansas 1 $ 100,000 $ 100,000 $ 133,000
Jefferson, Arkansas 1 $ 118,000 $ 118,000 $ 88,000
Sevier, Arkansas 1 $ 50,000 $ 50,000 $ 76,000
Napa, California 1 $ 114,000 $ 114,000 $ 239,000
Nevada, California 1 $ 183,000 $ 183,000 $ 270,000
Santa Clara, California 1 $ 400,000 $ 400,000 $ 139,000
Archuleta, Colorado 1 $ 210,000 $ 210,000 $ 339,000
Delta, Colorado 1 $ 160,000 $ 160,000 $ 1,028,000
Garfield, Colorado 1 $ 1,470,000 $ 1,470,000 $ 9,999,000
Gilpin, Colorado 1 $ 194,000 $ 194,000 $ 0
Mesa, Colorado 1 $ 124,000 $ 124,000 $ 206,000
San Miguel, Colorado 1 $ 236,000 $ 236,000 $ 104,000
Summit, Colorado 1 $ 210,000 $ 210,000 $ 93,000
Middlesex, Connecticut 1 $ 165,000 $ 165,000 $ 0
New Haven, Connecticut 1 $ 417,000 $ 417,000 $ 140,000
New Castle, Delaware 1 $ 555,000 $ 555,000 $ 0
Columbia, Florida 1 $ 52,000 $ 52,000 $ 141,000
Escambia, Florida 1 $ 159,000 $ 159,000 $ 83,000
Franklin, Florida 1 $ 366,000 $ 366,000 $ 264,000
Gilchrist, Florida 1 $ 70,000 $ 70,000 $ 20,000
Leon, Florida 1 $ 128,000 $ 128,000 $ 46,000
Marion, Florida 1 $ 268,000 $ 268,000 $ 144,000
Okaloosa, Florida 1 $ 103,000 $ 103,000 $ 97,000
Santa Rosa, Florida 1 $ 160,000 $ 160,000 $ 54,000
Barrow, Georgia 1 $ 200,000 $ 200,000 $ 125,000
Chatham, Georgia 1 $ 408,000 $ 408,000 $ 309,000
DeKalb, Georgia 1 $ 244,000 $ 244,000 $ 500,000
Forsyth, Georgia 1 $ 297,000 $ 297,000 $ 255,000
Glynn, Georgia 1 $ 815,000 $ 815,000 $ 515,000
Gwinnett, Georgia 1 $ 217,000 $ 217,000 $ 0
Oglethorpe, Georgia 1 $ 122,000 $ 122,000 $ 28,000
Bannock, Idaho 1 $ 126,000 $ 126,000 $ 0
Bingham, Idaho 1 $ 180,000 $ 180,000 $ 46,000
Lemhi, Idaho 1 $ 136,000 $ 136,000 $ 49,000
Power, Idaho 1 $ 127,000 $ 127,000 $ 26,000
Adams, Illinois 1 $ 290,000 $ 290,000 $ 140,000
Carroll, Illinois 1 $ 115,000 $ 115,000 $ 256,000
Clark, Illinois 1 $ 16,000 $ 16,000 $ 84,000
Clinton, Illinois 1 $ 100,000 $ 100,000 $ 112,000
Coles, Illinois 1 $ 190,000 $ 190,000 $ 61,000
Fayette, Illinois 1 $ 62,000 $ 62,000 $ 37,000
Iroquois, Illinois 1 $ 80,000 $ 80,000 $ 43,000
Jersey, Illinois 1 $ 68,000 $ 68,000 $ 53,000
Johnson, Illinois 1 $ 110,000 $ 110,000 $ 151,000
Marion, Illinois 1 $ 44,000 $ 44,000 $ 65,000
McDonough, Illinois 1 $ 167,000 $ 167,000 $ 51,000
McLean, Illinois 1 $ 130,000 $ 130,000 $ 80,000
Montgomery, Illinois 1 $ 36,000 $ 36,000 $ 65,000
Perry, Illinois 1 $ 119,000 $ 119,000 $ 74,000
Tazewell, Illinois 1 $ 140,000 $ 140,000 $ 65,000
Washington, Illinois 1 $ 179,000 $ 179,000 $ 0
Wayne, Illinois 1 $ 68,000 $ 68,000 $ 51,000
Clark, Indiana 1 $ 105,000 $ 105,000 $ 75,000
Decatur, Indiana 1 $ 120,000 $ 120,000 $ 0
Elkhart, Indiana 1 $ 88,000 $ 88,000 $ 61,000
Fayette, Indiana 1 $ 40,000 $ 40,000 $ 67,000
Franklin, Indiana 1 $ 219,000 $ 219,000 $ 112,000
Fulton, Indiana 1 $ 62,000 $ 62,000 $ 46,000
Jackson, Indiana 1 $ 405,000 $ 405,000 $ 316,000
Jennings, Indiana 1 $ 65,000 $ 65,000 $ 52,000
St. Joseph, Indiana 1 $ 175,000 $ 175,000 $ 102,000
Steuben, Indiana 1 $ 455,000 $ 455,000 $ 647,000
Vanderburgh, Indiana 1 $ 126,000 $ 126,000 $ 102,000
Wells, Indiana 1 $ 347,000 $ 347,000 $ 93,000
Whitley, Indiana 1 $ 190,000 $ 190,000 $ 80,000
Carroll, Iowa 1 $ 88,000 $ 88,000 $ 96,000
Chickasaw, Iowa 1 $ 133,000 $ 133,000 $ 50,000
Clayton, Iowa 1 $ 80,000 $ 80,000 $ 16,000
Crawford, Iowa 1 $ 105,000 $ 105,000 $ 60,000
Delaware, Iowa 1 $ 96,000 $ 96,000 $ 33,000
Dickinson, Iowa 1 $ 400,000 $ 400,000 $ 573,000
Grundy, Iowa 1 $ 204,000 $ 204,000 $ 94,000
Hamilton, Iowa 1 $ 130,000 $ 130,000 $ 71,000
Johnson, Iowa 1 $ 232,000 $ 232,000 $ 108,000
Muscatine, Iowa 1 $ 50,000 $ 50,000 $ 37,000
Scott, Iowa 1 $ 75,000 $ 75,000 $ 57,000
Woodbury, Iowa 1 $ 118,000 $ 118,000 $ 80,000
Atchison, Kansas 1 $ 52,000 $ 52,000 $ 8,000
Bourbon, Kansas 1 $ 183,000 $ 183,000 $ 80,000
Brown, Kansas 1 $ 48,000 $ 48,000 $ 80,000
Butler, Kansas 1 $ 33,000 $ 33,000 $ 92,000
Leavenworth, Kansas 1 $ 240,000 $ 240,000 $ 83,000
Miami, Kansas 1 $ 175,000 $ 175,000 $ 61,000
Shawnee, Kansas 1 $ 16,000,000 $ 16,000,000 $ 0
Edmonson, Kentucky 1 $ 159,000 $ 159,000 $ 0
Hardin, Kentucky 1 $ 181,000 $ 181,000 $ 176,000
Jackson, Kentucky 1 $ 98,000 $ 98,000 $ 25,000
Jefferson, Kentucky 1 $ 84,000 $ 84,000 $ 94,000
Madison, Kentucky 1 $ 130,000 $ 130,000 $ 29,000
Nelson, Kentucky 1 $ 222,000 $ 222,000 $ 142,000
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Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2012

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 25,690 $4,536,498,000 $176,000 $22,200,000 $111,000 $8,184,000
Home Purchase 8,555 $1,525,177,000 $178,000 $29,100,000 $98,000 $9,999,000
Home Improvement 1,000 $101,012,000 $101,000 $5,905,000 $85,000 $2,513,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 26,396 $4,411,425,000 $167,000 $5,625,000 $108,000 $8,184,000
Not Provided 3,391 $834,799,000 $246,000 $5,000,000 $166,000 $9,999,000
Hispanic 2,983 $323,900,000 $108,000 $2,000,000 $53,000 $877,000
Black or African American 1,298 $151,039,000 $116,000 $1,958,000 $76,000 $4,000,000
Asian 876 $168,417,000 $192,000 $2,460,000 $117,000 $2,449,000
Not applicable 178 $248,279,000 $1,394,000 $29,100,000 $0 $0
American Indian or Alaskan Native 84 $16,786,000 $199,000 $3,300,000 $92,000 $500,000
Native Hawaiian or Other Pacific Islander 39 $8,042,000 $206,000 $1,400,000 $117,000 $600,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 32,519 $5,788,779,000 $178,000 $29,100,000 $112,000 $9,999,000
FHA-insured (Federal Housing Administration) 2,557 $349,826,000 $136,000 $721,000 $48,000 $448,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 86 $9,622,000 $111,000 $235,000 $43,000 $98,000
VA-guaranteed (Veterans Administration) 83 $14,460,000 $174,000 $429,000 $65,000 $170,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 20,765 $3,686,551,000 $177,000 $16,000,000 $118,000 $9,999,000
Application Denied By Financial Institution 7,105 $1,129,088,000 $158,000 $3,825,000 $84,000 $5,862,000
Application Withdrawn By Applicant 2,863 $661,985,000 $231,000 $29,100,000 $117,000 $4,000,000
Preapproval Denied by Financial Institution 2,201 $255,994,000 $116,000 $3,080,000 $52,000 $2,928,000
File Closed For Incompleteness 1,545 $312,937,000 $202,000 $3,300,000 $130,000 $2,819,000
Application Approved But Not Accepted 699 $105,264,000 $150,000 $1,950,000 $109,000 $2,513,000
Loan Purchased By The Institution 67 $10,868,000 $162,000 $391,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 3,601 $423,196,000 $117,000 $2,000,000 $64,000 $3,956,000
Collateral 2,411 $415,642,000 $172,000 $3,740,000 $107,000 $5,862,000
Debt-To-Income Ratio 2,358 $386,917,000 $164,000 $2,600,000 $56,000 $1,576,000
Unverifiable Information 390 $70,697,000 $181,000 $3,135,000 $95,000 $1,763,000
Other 267 $44,087,000 $165,000 $3,825,000 $101,000 $1,596,000
Employment History 138 $18,842,000 $136,000 $1,275,000 $82,000 $2,104,000
Insufficient Cash (Downpayment, Closing Cost) 88 $16,612,000 $188,000 $1,600,000 $87,000 $1,200,000
Credit Application Incomplete 39 $7,149,000 $183,000 $1,000,000 $169,000 $1,619,000
Mortgage Insurance Denied 14 $1,940,000 $138,000 $290,000 $60,000 $141,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess BMO Harris Bank NA's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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