BMO Harris Bank NA Mortgage Lending & HMDA Data, 2018

In 2018, BMO Harris Bank NA of Chicago, IL reported 34,689 mortgage applications totaling $6.2 billion, up 48% from 2017. The average application was for $177,939, and applicants reported an average income of $120,452. 51% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (11,119), Milwaukee-Waukesha-West Allis, WI (3,463) and Phoenix-Mesa-Scottsdale, AZ (2,026) (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 34,689
Total Mortgage Loan Application Amount $6,172,545,000
Average Mortgage Loan Application Amount $177,939
Highest Mortgage Loan Application Amount $51,005,000
Average Applicant Income $120,452
Highest Applicant Income $8,365,000

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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 6,089 $ 1,006,085,000 $ 165,229 $ 125,000
DuPage, Illinois 1,981 $ 339,565,000 $ 171,410 $ 138,000
Maricopa, Arizona 1,914 $ 450,090,000 $ 235,156 $ 146,000
Will, Illinois 1,816 $ 217,300,000 $ 119,658 $ 110,000
Milwaukee, Wisconsin 1,501 $ 183,195,000 $ 122,048 $ 90,000
Lake, Illinois 1,177 $ 281,085,000 $ 238,814 $ 156,000
Kane, Illinois 1,094 $ 130,830,000 $ 119,588 $ 99,000
McHenry, Illinois 971 $ 111,515,000 $ 114,845 $ 111,000
Waukesha, Wisconsin 969 $ 174,925,000 $ 180,521 $ 141,000
Dane, Wisconsin 831 $ 145,535,000 $ 175,132 $ 133,000
Marion, Indiana 609 $ 65,515,000 $ 107,577 $ 72,000
Lake, Indiana 584 $ 49,530,000 $ 84,811 $ 77,000
Hennepin, Minnesota 552 $ 155,460,000 $ 281,630 $ 144,000
Ozaukee, Wisconsin 533 $ 80,905,000 $ 151,791 $ 129,000
Brown, Wisconsin 492 $ 61,050,000 $ 124,085 $ 91,000
Washington, Wisconsin 460 $ 59,790,000 $ 129,978 $ 98,000
Hamilton, Indiana 422 $ 63,630,000 $ 150,781 $ 115,000
Winnebago, Illinois 409 $ 28,295,000 $ 69,180 $ 66,000
Rock, Wisconsin 330 $ 29,490,000 $ 89,363 $ 81,000
Racine, Wisconsin 326 $ 35,780,000 $ 109,754 $ 91,000
Kenosha, Wisconsin 318 $ 36,510,000 $ 114,811 $ 85,000
Manatee, Florida 313 $ 64,385,000 $ 205,702 $ 123,000
Sheboygan, Wisconsin 261 $ 27,115,000 $ 103,888 $ 80,000
Outagamie, Wisconsin 243 $ 33,615,000 $ 138,333 $ 103,000
Johnson, Kansas 229 $ 42,655,000 $ 186,266 $ 135,000
Sauk, Wisconsin 216 $ 23,150,000 $ 107,175 $ 84,000
Howard, Indiana 215 $ 17,135,000 $ 79,697 $ 65,000
Pima, Arizona 214 $ 37,000,000 $ 172,897 $ 110,000
St. Louis, Missouri 205 $ 41,425,000 $ 202,073 $ 200,000
Walworth, Wisconsin 205 $ 41,615,000 $ 203,000 $ 196,000
Kendall, Illinois 195 $ 23,225,000 $ 119,102 $ 92,000
Marathon, Wisconsin 191 $ 19,725,000 $ 103,272 $ 84,000
Oneida, Wisconsin 183 $ 23,155,000 $ 126,530 $ 120,000
Portage, Wisconsin 182 $ 18,600,000 $ 102,197 $ 79,000
Winnebago, Wisconsin 178 $ 25,320,000 $ 142,247 $ 103,000
Morgan, Indiana 174 $ 16,700,000 $ 95,977 $ 68,000
Sarasota, Florida 170 $ 49,120,000 $ 288,941 $ 198,000
Dodge, Wisconsin 165 $ 16,825,000 $ 101,969 $ 74,000
Yavapai, Arizona 158 $ 31,650,000 $ 200,316 $ 111,000
Hendricks, Indiana 155 $ 17,485,000 $ 112,806 $ 84,000
Porter, Indiana 155 $ 19,155,000 $ 123,580 $ 107,000
Manitowoc, Wisconsin 155 $ 13,705,000 $ 88,419 $ 79,000
Adams, Wisconsin 146 $ 11,620,000 $ 79,589 $ 62,000
Jackson, Missouri 141 $ 17,915,000 $ 127,056 $ 66,000
Fond du Lac, Wisconsin 140 $ 21,260,000 $ 151,857 $ 69,000
Collier, Florida 134 $ 58,070,000 $ 433,358 $ 232,000
Vilas, Wisconsin 124 $ 18,110,000 $ 146,048 $ 121,000
Dakota, Minnesota 120 $ 18,220,000 $ 151,833 $ 112,000
Lee, Florida 118 $ 36,630,000 $ 310,423 $ 220,000
Johnson, Indiana 118 $ 11,540,000 $ 97,796 $ 88,000
Pinal, Arizona 112 $ 14,640,000 $ 130,714 $ 96,000
Wyandotte, Kansas 112 $ 10,210,000 $ 91,160 $ 42,000
St. Louis City, Missouri 110 $ 10,380,000 $ 94,363 $ 66,000
Wood, Wisconsin 110 $ 10,600,000 $ 96,363 $ 98,000
Ramsey, Minnesota 107 $ 18,325,000 $ 171,261 $ 125,000
Oconto, Wisconsin 107 $ 10,945,000 $ 102,289 $ 76,000
Boone, Illinois 104 $ 8,200,000 $ 78,846 $ 86,000
Calumet, Wisconsin 104 $ 13,590,000 $ 130,673 $ 95,000
Lincoln, Wisconsin 101 $ 8,025,000 $ 79,455 $ 86,000
Columbia, Wisconsin 100 $ 10,180,000 $ 101,800 $ 82,000
Jefferson, Wisconsin 95 $ 19,625,000 $ 206,578 $ 104,000
La Crosse, Wisconsin 92 $ 9,100,000 $ 98,913 $ 78,000
Anoka, Minnesota 85 $ 9,525,000 $ 112,058 $ 76,000
Shawano, Wisconsin 83 $ 6,005,000 $ 72,349 $ 66,000
Hillsborough, Florida 81 $ 12,895,000 $ 159,197 $ 128,000
Boone, Indiana 81 $ 15,505,000 $ 191,419 $ 148,000
Scott, Minnesota 79 $ 13,885,000 $ 175,759 $ 122,000
Juneau, Wisconsin 77 $ 6,815,000 $ 88,506 $ 64,000
Los Angeles, California 75 $ 82,665,000 $ 1,102,200 $ 395,000
Grundy, Illinois 67 $ 6,965,000 $ 103,955 $ 83,000
Eau Claire, Wisconsin 67 $ 8,965,000 $ 133,805 $ 106,000
Marinette, Wisconsin 59 $ 5,735,000 $ 97,203 $ 83,000
Douglas, Wisconsin 57 $ 4,505,000 $ 79,035 $ 81,000
Waupaca, Wisconsin 57 $ 5,055,000 $ 88,684 $ 68,000
Washington, Minnesota 56 $ 30,330,000 $ 541,607 $ 192,000
St. Charles, Missouri 55 $ 7,535,000 $ 137,000 $ 117,000
Clay, Missouri 54 $ 6,290,000 $ 116,481 $ 71,000
Ashland, Wisconsin 54 $ 5,610,000 $ 103,888 $ 67,000
Iowa, Wisconsin 54 $ 5,740,000 $ 106,296 $ 80,000
Waushara, Wisconsin 52 $ 4,600,000 $ 88,461 $ 63,000
St. Clair, Illinois 51 $ 5,085,000 $ 99,705 $ 75,000
Chippewa, Wisconsin 50 $ 5,660,000 $ 113,200 $ 76,000
Bayfield, Wisconsin 49 $ 4,755,000 $ 97,040 $ 100,000
Marquette, Wisconsin 49 $ 3,405,000 $ 69,489 $ 62,000
Pinellas, Florida 48 $ 13,130,000 $ 273,541 $ 196,000
Clark, Wisconsin 48 $ 4,230,000 $ 88,125 $ 65,000
Santa Clara, California 46 $ 41,100,000 $ 893,478 $ 128,000
King, Washington 45 $ 32,755,000 $ 727,888 $ 178,000
Pierce, Wisconsin 45 $ 5,655,000 $ 125,666 $ 101,000
Orange, California 43 $ 54,725,000 $ 1,272,674 $ 734,000
Palm Beach, Florida 43 $ 49,705,000 $ 1,155,930 $ 348,000
Madison, Indiana 43 $ 3,605,000 $ 83,837 $ 81,000
Kewaunee, Wisconsin 42 $ 3,440,000 $ 81,904 $ 76,000
Tipton, Indiana 41 $ 3,825,000 $ 93,292 $ 78,000
Charlotte, Florida 40 $ 6,450,000 $ 161,250 $ 97,000
DeKalb, Illinois 40 $ 3,630,000 $ 90,750 $ 73,000
Rush, Indiana 36 $ 2,430,000 $ 67,500 $ 63,000
Green Lake, Wisconsin 36 $ 5,660,000 $ 157,222 $ 172,000
Wright, Minnesota 35 $ 5,495,000 $ 157,000 $ 157,000
St. Croix, Wisconsin 35 $ 5,175,000 $ 147,857 $ 111,000
Jefferson, Missouri 34 $ 5,100,000 $ 150,000 $ 90,000
Door, Wisconsin 34 $ 6,010,000 $ 176,764 $ 150,000
San Diego, California 33 $ 27,815,000 $ 842,878 $ 982,000
Carver, Minnesota 33 $ 7,015,000 $ 212,575 $ 153,000
Grant, Wisconsin 32 $ 2,680,000 $ 83,750 $ 69,000
Riverside, California 31 $ 16,225,000 $ 523,387 $ 291,000
LaSalle, Illinois 31 $ 3,095,000 $ 99,838 $ 74,000
Hancock, Indiana 30 $ 4,110,000 $ 137,000 $ 70,000
Clark, Nevada 29 $ 8,325,000 $ 287,068 $ 195,000
Kankakee, Illinois 28 $ 2,790,000 $ 99,642 $ 98,000
Crawford, Kansas 27 $ 2,205,000 $ 81,666 $ 66,000
Green, Wisconsin 27 $ 3,815,000 $ 141,296 $ 97,000
Langlade, Wisconsin 27 $ 3,075,000 $ 113,888 $ 106,000
Coconino, Arizona 26 $ 8,790,000 $ 338,076 $ 252,000
Alameda, California 26 $ 19,710,000 $ 758,076 $ 146,000
Richland, Wisconsin 26 $ 2,020,000 $ 77,692 $ 51,000
Miami-Dade, Florida 25 $ 28,795,000 $ 1,151,800 $ 696,000
Platte, Missouri 25 $ 6,345,000 $ 253,800 $ 162,000
Orange, Florida 22 $ 10,190,000 $ 463,181 $ 184,000
Denver, Colorado 21 $ 12,815,000 $ 610,238 $ 271,000
LaPorte, Indiana 20 $ 3,960,000 $ 198,000 $ 98,000
Buchanan, Missouri 20 $ 1,940,000 $ 97,000 $ 80,000
Broward, Florida 19 $ 9,785,000 $ 515,000 $ 317,000
St. Louis, Minnesota 18 $ 1,850,000 $ 102,777 $ 98,000
Dunn, Wisconsin 18 $ 1,660,000 $ 92,222 $ 68,000
Volusia, Florida 17 $ 7,955,000 $ 467,941 $ 1,312,000
Crawford, Wisconsin 17 $ 1,365,000 $ 80,294 $ 85,000
Vernon, Wisconsin 17 $ 1,485,000 $ 87,352 $ 84,000
Pasco, Florida 16 $ 1,600,000 $ 100,000 $ 53,000
Sherburne, Minnesota 16 $ 2,320,000 $ 145,000 $ 98,000
Contra Costa, California 15 $ 11,975,000 $ 798,333 $ 224,000
Arapahoe, Colorado 15 $ 17,635,000 $ 1,175,666 $ 638,000
Ogle, Illinois 15 $ 2,105,000 $ 140,333 $ 57,000
Shelby, Indiana 15 $ 1,415,000 $ 94,333 $ 62,000
Harris, Texas 15 $ 29,355,000 $ 1,957,000 $ 536,000
San Francisco, California 14 $ 9,010,000 $ 643,571 $ 335,000
San Mateo, California 14 $ 16,350,000 $ 1,167,857 $ 2,085,000
Fulton, Georgia 14 $ 6,590,000 $ 470,714 $ 163,000
Mecklenburg, North Carolina 14 $ 9,800,000 $ 700,000 $ 229,000
Forest, Wisconsin 14 $ 1,870,000 $ 133,571 $ 96,000
Monroe, Wisconsin 13 $ 1,535,000 $ 118,076 $ 124,000
Gila, Arizona 12 $ 2,620,000 $ 218,333 $ 193,000
Menominee, Wisconsin 12 $ 2,220,000 $ 185,000 $ 137,000
Navajo, Arizona 11 $ 1,765,000 $ 160,454 $ 153,000
Jefferson, Colorado 11 $ 6,125,000 $ 556,818 $ 150,000
Indian River, Florida 11 $ 4,285,000 $ 389,545 $ 242,000
Greene, Missouri 11 $ 1,865,000 $ 169,545 $ 143,000
Charleston, South Carolina 11 $ 9,335,000 $ 848,636 $ 354,000
Polk, Florida 10 $ 800,000 $ 80,000 $ 59,000
Cass, Indiana 10 $ 420,000 $ 42,000 $ 69,000
Monroe, Indiana 10 $ 1,620,000 $ 162,000 $ 155,000
Putnam, Indiana 10 $ 1,740,000 $ 174,000 $ 109,000
Multnomah, Oregon 10 $ 4,900,000 $ 490,000 $ 138,000
Snohomish, Washington 10 $ 6,020,000 $ 602,000 $ 190,000
Whatcom, Washington 10 $ 4,830,000 $ 483,000 $ 192,000
Lake, Florida 9 $ 1,055,000 $ 117,222 $ 119,000
Monroe, Florida 9 $ 5,145,000 $ 571,666 $ 344,000
Champaign, Illinois 9 $ 1,565,000 $ 173,888 $ 128,000
Jo Daviess, Illinois 9 $ 2,435,000 $ 270,555 $ 265,000
Jasper, Indiana 9 $ 605,000 $ 67,222 $ 52,000
Middlesex, Massachusetts 9 $ 6,595,000 $ 732,777 $ 698,000
Oakland, Michigan 9 $ 5,935,000 $ 659,444 $ 220,000
Hamilton, Ohio 9 $ 1,125,000 $ 125,000 $ 88,000
Fairfax, Virginia 9 $ 6,805,000 $ 756,111 $ 209,000
Iron, Wisconsin 9 $ 815,000 $ 90,555 $ 124,000
Trempealeau, Wisconsin 9 $ 625,000 $ 69,444 $ 54,000
Baldwin, Alabama 8 $ 2,800,000 $ 350,000 $ 301,000
Mohave, Arizona 8 $ 2,190,000 $ 273,750 $ 146,000
Carroll, Indiana 8 $ 430,000 $ 53,750 $ 47,000
Vigo, Indiana 8 $ 1,000,000 $ 125,000 $ 71,000
Leavenworth, Kansas 8 $ 780,000 $ 97,500 $ 58,000
Hudson, New Jersey 8 $ 8,520,000 $ 1,065,000 $ 0
Summit, Utah 8 $ 7,150,000 $ 893,750 $ 965,000
Pierce, Washington 8 $ 4,930,000 $ 616,250 $ 247,000
Sawyer, Wisconsin 8 $ 1,250,000 $ 156,250 $ 204,000
Sacramento, California 7 $ 3,155,000 $ 450,714 $ 188,000
Bay, Florida 7 $ 1,155,000 $ 165,000 $ 117,000
Citrus, Florida 7 $ 935,000 $ 133,571 $ 126,000
Duval, Florida 7 $ 2,885,000 $ 412,142 $ 65,000
Sumter, Florida 7 $ 1,365,000 $ 195,000 $ 154,000
Lee, Illinois 7 $ 1,005,000 $ 143,571 $ 75,000
Owen, Indiana 7 $ 375,000 $ 53,571 $ 56,000
Parke, Indiana 7 $ 855,000 $ 122,142 $ 98,000
Rice, Minnesota 7 $ 855,000 $ 122,142 $ 111,000
Franklin, Ohio 7 $ 1,485,000 $ 212,142 $ 80,000
Santa Cruz, Arizona 6 $ 590,000 $ 98,333 $ 55,000
San Bernardino, California 6 $ 3,280,000 $ 546,666 $ 155,000
Douglas, Colorado 6 $ 4,240,000 $ 706,666 $ 187,000
District of Columbia, District Of Columbia 6 $ 4,170,000 $ 695,000 $ 103,000
Alachua, Florida 6 $ 2,460,000 $ 410,000 $ 362,000
Seminole, Florida 6 $ 3,250,000 $ 541,666 $ 248,000
St. Johns, Florida 6 $ 2,170,000 $ 361,666 $ 153,000
Douglas, Kansas 6 $ 1,110,000 $ 185,000 $ 245,000
Norfolk, Massachusetts 6 $ 4,540,000 $ 756,666 $ 138,000
Berrien, Michigan 6 $ 1,860,000 $ 310,000 $ 224,000
Wayne, Michigan 6 $ 1,250,000 $ 208,333 $ 110,000
Crow Wing, Minnesota 6 $ 1,140,000 $ 190,000 $ 88,000
Stearns, Minnesota 6 $ 520,000 $ 86,666 $ 88,000
Essex, New Jersey 6 $ 4,500,000 $ 750,000 $ 0
Collin, Texas 6 $ 2,720,000 $ 453,333 $ 111,000
Travis, Texas 6 $ 4,330,000 $ 721,666 $ 266,000
Thurston, Washington 6 $ 2,180,000 $ 363,333 $ 132,000
Jackson, Wisconsin 6 $ 1,110,000 $ 185,000 $ 91,000
Price, Wisconsin 6 $ 390,000 $ 65,000 $ 82,000
Cochise, Arizona 5 $ 955,000 $ 191,000 $ 116,000
Fresno, California 5 $ 3,305,000 $ 661,000 $ 191,000
Marin, California 5 $ 2,385,000 $ 477,000 $ 109,000
Larimer, Colorado 5 $ 1,445,000 $ 289,000 $ 345,000
Leon, Florida 5 $ 1,685,000 $ 337,000 $ 274,000
Osceola, Florida 5 $ 1,395,000 $ 279,000 $ 104,000
Madison, Illinois 5 $ 545,000 $ 109,000 $ 48,000
McLean, Illinois 5 $ 585,000 $ 117,000 $ 53,000
Peoria, Illinois 5 $ 325,000 $ 65,000 $ 37,000
Allen, Indiana 5 $ 695,000 $ 139,000 $ 89,000
Henry, Indiana 5 $ 395,000 $ 79,000 $ 37,000
Marshall, Indiana 5 $ 1,825,000 $ 365,000 $ 405,000
Miami, Indiana 5 $ 145,000 $ 29,000 $ 63,000
Sullivan, Indiana 5 $ 395,000 $ 79,000 $ 55,000
White, Indiana 5 $ 495,000 $ 99,000 $ 80,000
Allegan, Michigan 5 $ 1,415,000 $ 283,000 $ 413,000
Goodhue, Minnesota 5 $ 665,000 $ 133,000 $ 83,000
Mille Lacs, Minnesota 5 $ 575,000 $ 115,000 $ 47,000
Olmsted, Minnesota 5 $ 1,425,000 $ 285,000 $ 383,000
Winona, Minnesota 5 $ 345,000 $ 69,000 $ 58,000
Franklin, Missouri 5 $ 1,695,000 $ 339,000 $ 166,000
Rockingham, New Hampshire 5 $ 3,605,000 $ 721,000 $ 3,251,000
Bergen, New Jersey 5 $ 3,645,000 $ 729,000 $ 210,000
Clackamas, Oregon 5 $ 3,405,000 $ 681,000 $ 281,000
Chester, Pennsylvania 5 $ 3,005,000 $ 601,000 $ 99,000
Clark, Washington 5 $ 3,045,000 $ 609,000 $ 457,000
Spokane, Washington 5 $ 1,305,000 $ 261,000 $ 97,000
Florence, Wisconsin 5 $ 975,000 $ 195,000 $ 155,000
Jefferson, Alabama 4 $ 3,170,000 $ 792,500 $ 176,000
Placer, California 4 $ 1,090,000 $ 272,500 $ 160,000
Sonoma, California 4 $ 5,740,000 $ 1,435,000 $ 822,000
Ventura, California 4 $ 3,810,000 $ 952,500 $ 217,000
Boulder, Colorado 4 $ 4,300,000 $ 1,075,000 $ 61,000
Eagle, Colorado 4 $ 1,930,000 $ 482,500 $ 266,000
Summit, Colorado 4 $ 2,300,000 $ 575,000 $ 481,000
Fairfield, Connecticut 4 $ 2,500,000 $ 625,000 $ 282,000
Flagler, Florida 4 $ 1,620,000 $ 405,000 $ 199,000
Marion, Florida 4 $ 410,000 $ 102,500 $ 69,000
Walton, Florida 4 $ 3,070,000 $ 767,500 $ 263,000
Cobb, Georgia 4 $ 1,850,000 $ 462,500 $ 107,000
Glynn, Georgia 4 $ 4,650,000 $ 1,162,500 $ 0
Ada, Idaho 4 $ 2,010,000 $ 502,500 $ 138,000
Brown, Indiana 4 $ 450,000 $ 112,500 $ 41,000
Clay, Indiana 4 $ 200,000 $ 50,000 $ 87,000
Grant, Indiana 4 $ 140,000 $ 35,000 $ 48,000
Kosciusko, Indiana 4 $ 310,000 $ 77,500 $ 95,000
St. Joseph, Indiana 4 $ 1,210,000 $ 302,500 $ 229,000
Shawnee, Kansas 4 $ 1,010,000 $ 252,500 $ 179,000
Washtenaw, Michigan 4 $ 1,710,000 $ 427,500 $ 397,000
Carlton, Minnesota 4 $ 190,000 $ 47,500 $ 173,000
Chisago, Minnesota 4 $ 510,000 $ 127,500 $ 674,000
Houston, Minnesota 4 $ 500,000 $ 125,000 $ 117,000
Otter Tail, Minnesota 4 $ 840,000 $ 210,000 $ 144,000
Cass, Missouri 4 $ 710,000 $ 177,500 $ 103,000
Lincoln, Missouri 4 $ 600,000 $ 150,000 $ 89,000
Sarpy, Nebraska 4 $ 470,000 $ 117,500 $ 96,000
Buncombe, North Carolina 4 $ 3,690,000 $ 922,500 $ 422,000
Union, North Carolina 4 $ 2,430,000 $ 607,500 $ 191,000
Cuyahoga, Ohio 4 $ 720,000 $ 180,000 $ 89,000
Washington, Oregon 4 $ 1,340,000 $ 335,000 $ 158,000
Montgomery, Pennsylvania 4 $ 1,090,000 $ 272,500 $ 109,000
Philadelphia, Pennsylvania 4 $ 1,920,000 $ 480,000 $ 123,000
Beaufort, South Carolina 4 $ 2,660,000 $ 665,000 $ 72,000
Shelby, Tennessee 4 $ 1,080,000 $ 270,000 $ 152,000
Dallas, Texas 4 $ 2,730,000 $ 682,500 $ 0
Denton, Texas 4 $ 2,420,000 $ 605,000 $ 0
Salt Lake, Utah 4 $ 2,670,000 $ 667,500 $ 256,000
Burnett, Wisconsin 4 $ 1,810,000 $ 452,500 $ 403,000
Anchorage, Alaska 3 $ 1,095,000 $ 365,000 $ 1,547,000
Apache, Arizona 3 $ 915,000 $ 305,000 $ 150,000
El Dorado, California 3 $ 1,885,000 $ 628,333 $ 89,000
Nevada, California 3 $ 1,775,000 $ 591,666 $ 245,000
Santa Cruz, California 3 $ 2,415,000 $ 805,000 $ 0
Adams, Colorado 3 $ 895,000 $ 298,333 $ 137,000
El Paso, Colorado 3 $ 1,205,000 $ 401,666 $ 74,000
Pitkin, Colorado 3 $ 6,935,000 $ 2,311,666 $ 1,286,000
New Haven, Connecticut 3 $ 1,655,000 $ 551,666 $ 401,000
Brevard, Florida 3 $ 735,000 $ 245,000 $ 51,000
Cherokee, Georgia 3 $ 425,000 $ 141,666 $ 72,000
Douglas, Illinois 3 $ 255,000 $ 85,000 $ 97,000
Iroquois, Illinois 3 $ 415,000 $ 138,333 $ 81,000
Tazewell, Illinois 3 $ 115,000 $ 38,333 $ 72,000
Union, Illinois 3 $ 525,000 $ 175,000 $ 37,000
Whiteside, Illinois 3 $ 605,000 $ 201,666 $ 120,000
Bartholomew, Indiana 3 $ 335,000 $ 111,666 $ 60,000
Dearborn, Indiana 3 $ 175,000 $ 58,333 $ 79,000
Delaware, Indiana 3 $ 235,000 $ 78,333 $ 137,000
Dubois, Indiana 3 $ 65,000 $ 21,666 $ 149,000
Greene, Indiana 3 $ 205,000 $ 68,333 $ 55,000
Wayne, Indiana 3 $ 135,000 $ 45,000 $ 27,000
Dubuque, Iowa 3 $ 315,000 $ 105,000 $ 105,000
Polk, Iowa 3 $ 15,015,000 $ 5,005,000 $ 132,000
Miami, Kansas 3 $ 365,000 $ 121,666 $ 139,000
Sedgwick, Kansas 3 $ 1,295,000 $ 431,666 $ 230,000
Jefferson, Kentucky 3 $ 885,000 $ 295,000 $ 148,000
Orleans, Louisiana 3 $ 1,575,000 $ 525,000 $ 0
Montgomery, Maryland 3 $ 2,675,000 $ 891,666 $ 0
Barnstable, Massachusetts 3 $ 1,955,000 $ 651,666 $ 139,000
Plymouth, Massachusetts 3 $ 2,625,000 $ 875,000 $ 160,000
Gogebic, Michigan 3 $ 455,000 $ 151,666 $ 214,000
Kent, Michigan 3 $ 335,000 $ 111,666 $ 68,000
Marquette, Michigan 3 $ 1,165,000 $ 388,333 $ 235,000
Menominee, Michigan 3 $ 185,000 $ 61,666 $ 45,000
Todd, Minnesota 3 $ 215,000 $ 71,666 $ 60,000
Andrew, Missouri 3 $ 375,000 $ 125,000 $ 173,000
Boone, Missouri 3 $ 565,000 $ 188,333 $ 47,000
Camden, Missouri 3 $ 365,000 $ 121,666 $ 123,000
Jasper, Missouri 3 $ 205,000 $ 68,333 $ 59,000
Morgan, Missouri 3 $ 285,000 $ 95,000 $ 101,000
Newton, Missouri 3 $ 1,445,000 $ 481,666 $ 340,000
Gallatin, Montana 3 $ 4,565,000 $ 1,521,666 $ 1,677,000
Washoe, Nevada 3 $ 2,035,000 $ 678,333 $ 504,000
Ocean, New Jersey 3 $ 2,355,000 $ 785,000 $ 374,000
Somerset, New Jersey 3 $ 2,215,000 $ 738,333 $ 195,000
Bernalillo, New Mexico 3 $ 1,195,000 $ 398,333 $ 148,000
Davidson, North Carolina 3 $ 335,000 $ 111,666 $ 88,000
Henderson, North Carolina 3 $ 1,575,000 $ 525,000 $ 274,000
Orange, North Carolina 3 $ 2,485,000 $ 828,333 $ 372,000
Columbiana, Ohio 3 $ 225,000 $ 75,000 $ 37,000
Crawford, Ohio 3 $ 185,000 $ 61,666 $ 35,000
Wood, Ohio 3 $ 435,000 $ 145,000 $ 92,000
Tulsa, Oklahoma 3 $ 855,000 $ 285,000 $ 178,000
Klamath, Oregon 3 $ 265,000 $ 88,333 $ 45,000
Allegheny, Pennsylvania 3 $ 285,000 $ 95,000 $ 102,000
York, Pennsylvania 3 $ 525,000 $ 175,000 $ 87,000
Horry, South Carolina 3 $ 1,205,000 $ 401,666 $ 152,000
York, South Carolina 3 $ 1,235,000 $ 411,666 $ 135,000
Hamilton, Tennessee 3 $ 385,000 $ 128,333 $ 104,000
Montgomery, Texas 3 $ 1,155,000 $ 385,000 $ 0
Tarrant, Texas 3 $ 1,805,000 $ 601,666 $ 604,000
Williamson, Texas 3 $ 1,415,000 $ 471,666 $ 485,000
Utah, Utah 3 $ 2,105,000 $ 701,666 $ 205,000
Wasatch, Utah 3 $ 1,245,000 $ 415,000 $ 280,000
Kitsap, Washington 3 $ 3,135,000 $ 1,045,000 $ 454,000
Barron, Wisconsin 3 $ 565,000 $ 188,333 $ 145,000
Lafayette, Wisconsin 3 $ 395,000 $ 131,666 $ 47,000
Rusk, Wisconsin 3 $ 235,000 $ 78,333 $ 57,000
Washburn, Wisconsin 3 $ 775,000 $ 258,333 $ 122,000
Geneva, Alabama 2 $ 290,000 $ 145,000 $ 250,000
Mendocino, California 2 $ 1,540,000 $ 770,000 $ 0
Monterey, California 2 $ 3,970,000 $ 1,985,000 $ 784,000
San Joaquin, California 2 $ 1,130,000 $ 565,000 $ 0
Santa Barbara, California 2 $ 260,000 $ 130,000 $ 166,000
Grand, Colorado 2 $ 880,000 $ 440,000 $ 633,000
Clay, Florida 2 $ 180,000 $ 90,000 $ 45,000
Dixie, Florida 2 $ 90,000 $ 45,000 $ 19,000
Martin, Florida 2 $ 460,000 $ 230,000 $ 188,000
Douglas, Georgia 2 $ 400,000 $ 200,000 $ 64,000
Hall, Georgia 2 $ 510,000 $ 255,000 $ 61,000
Paulding, Georgia 2 $ 870,000 $ 435,000 $ 103,000
Hawaii, Hawaii 2 $ 4,360,000 $ 2,180,000 $ 878,000
Honolulu, Hawaii 2 $ 1,160,000 $ 580,000 $ 360,000
Maui, Hawaii 2 $ 2,890,000 $ 1,445,000 $ 917,000
Kootenai, Idaho 2 $ 1,790,000 $ 895,000 $ 404,000
Adams, Illinois 2 $ 190,000 $ 95,000 $ 55,000
Effingham, Illinois 2 $ 280,000 $ 140,000 $ 89,000
Henry, Illinois 2 $ 130,000 $ 65,000 $ 25,000
Livingston, Illinois 2 $ 130,000 $ 65,000 $ 48,000
Monroe, Illinois 2 $ 480,000 $ 240,000 $ 109,000
Stephenson, Illinois 2 $ 190,000 $ 95,000 $ 55,000
Clinton, Indiana 2 $ 390,000 $ 195,000 $ 50,000
Fayette, Indiana 2 $ 90,000 $ 45,000 $ 96,000
Fountain, Indiana 2 $ 110,000 $ 55,000 $ 48,000
Gibson, Indiana 2 $ 210,000 $ 105,000 $ 26,000
Lawrence, Indiana 2 $ 150,000 $ 75,000 $ 70,000
Montgomery, Indiana 2 $ 120,000 $ 60,000 $ 45,000
Wells, Indiana 2 $ 130,000 $ 65,000 $ 45,000
Chickasaw, Iowa 2 $ 170,000 $ 85,000 $ 71,000
Clayton, Iowa 2 $ 160,000 $ 80,000 $ 71,000
Jefferson, Kansas 2 $ 120,000 $ 60,000 $ 25,000
Riley, Kansas 2 $ 520,000 $ 260,000 $ 189,000
Trigg, Kentucky 2 $ 150,000 $ 75,000 $ 47,000
Cumberland, Maine 2 $ 1,440,000 $ 720,000 $ 90,000
Knox, Maine 2 $ 280,000 $ 140,000 $ 111,000
Anne Arundel, Maryland 2 $ 1,380,000 $ 690,000 $ 0
Baltimore City, Maryland 2 $ 1,000,000 $ 500,000 $ 265,000
Berkshire, Massachusetts 2 $ 460,000 $ 230,000 $ 300,000
Cass, Michigan 2 $ 270,000 $ 135,000 $ 418,000
Mason, Michigan 2 $ 730,000 $ 365,000 $ 258,000
Monroe, Michigan 2 $ 240,000 $ 120,000 $ 79,000
Schoolcraft, Michigan 2 $ 140,000 $ 70,000 $ 17,000
St. Joseph, Michigan 2 $ 420,000 $ 210,000 $ 215,000
Aitkin, Minnesota 2 $ 370,000 $ 185,000 $ 76,000
Beltrami, Minnesota 2 $ 810,000 $ 405,000 $ 176,000
Brown, Minnesota 2 $ 160,000 $ 80,000 $ 156,000
Cass, Minnesota 2 $ 930,000 $ 465,000 $ 410,000
Cook, Minnesota 2 $ 980,000 $ 490,000 $ 82,000
Kanabec, Minnesota 2 $ 210,000 $ 105,000 $ 77,000
Le Sueur, Minnesota 2 $ 170,000 $ 85,000 $ 98,000
Lyon, Minnesota 2 $ 120,000 $ 60,000 $ 120,000
Nicollet, Minnesota 2 $ 550,000 $ 275,000 $ 295,000
Benton, Missouri 2 $ 80,000 $ 40,000 $ 66,000
Lafayette, Missouri 2 $ 250,000 $ 125,000 $ 121,000
Polk, Missouri 2 $ 20,000 $ 10,000 $ 20,000
Stone, Missouri 2 $ 70,000 $ 35,000 $ 119,000
Warren, Missouri 2 $ 400,000 $ 200,000 $ 143,000
Washington, Missouri 2 $ 50,000 $ 25,000 $ 145,000
Cheshire, New Hampshire 2 $ 440,000 $ 220,000 $ 124,000
Hillsborough, New Hampshire 2 $ 910,000 $ 455,000 $ 200,000
Monmouth, New Jersey 2 $ 1,750,000 $ 875,000 $ 400,000
Morris, New Jersey 2 $ 2,530,000 $ 1,265,000 $ 571,000
Union, New Jersey 2 $ 1,250,000 $ 625,000 $ 0
Chatham, North Carolina 2 $ 1,040,000 $ 520,000 $ 55,000
Guilford, North Carolina 2 $ 690,000 $ 345,000 $ 100,000
Iredell, North Carolina 2 $ 2,000,000 $ 1,000,000 $ 279,000
Macon, North Carolina 2 $ 630,000 $ 315,000 $ 128,000
Richland, Ohio 2 $ 160,000 $ 80,000 $ 40,000
Oklahoma, Oklahoma 2 $ 1,010,000 $ 505,000 $ 240,000
Northumberland, Pennsylvania 2 $ 130,000 $ 65,000 $ 38,000
Greenville, South Carolina 2 $ 970,000 $ 485,000 $ 293,000
Lexington, South Carolina 2 $ 1,040,000 $ 520,000 $ 0
Richland, South Carolina 2 $ 240,000 $ 120,000 $ 65,000
Davidson, Tennessee 2 $ 1,140,000 $ 570,000 $ 213,000
Knox, Tennessee 2 $ 310,000 $ 155,000 $ 65,000
Sevier, Tennessee 2 $ 1,020,000 $ 510,000 $ 75,000
Sumner, Tennessee 2 $ 1,000,000 $ 500,000 $ 159,000
Williamson, Tennessee 2 $ 1,520,000 $ 760,000 $ 0
Wilson, Tennessee 2 $ 770,000 $ 385,000 $ 159,000
Fort Bend, Texas 2 $ 690,000 $ 345,000 $ 314,000
Galveston, Texas 2 $ 710,000 $ 355,000 $ 37,000
Arlington, Virginia 2 $ 1,000,000 $ 500,000 $ 0
Chesterfield, Virginia 2 $ 340,000 $ 170,000 $ 113,000
Falls Church, Virginia 2 $ 910,000 $ 455,000 $ 400,000
Henrico, Virginia 2 $ 270,000 $ 135,000 $ 80,000
Cowlitz, Washington 2 $ 440,000 $ 220,000 $ 71,000
Skagit, Washington 2 $ 750,000 $ 375,000 $ 157,000
Buffalo, Wisconsin 2 $ 220,000 $ 110,000 $ 142,000
Polk, Wisconsin 2 $ 140,000 $ 70,000 $ 148,000
Taylor, Wisconsin 2 $ 220,000 $ 110,000 $ 96,000
Teton, Wyoming 2 $ 2,730,000 $ 1,365,000 $ 0
Lauderdale, Alabama 1 $ 125,000 $ 125,000 $ 21,000
Lee, Alabama 1 $ 285,000 $ 285,000 $ 80,000
Limestone, Alabama 1 $ 485,000 $ 485,000 $ 0
Madison, Alabama 1 $ 45,000 $ 45,000 $ 83,000
Marshall, Alabama 1 $ 505,000 $ 505,000 $ 0
Tuscaloosa, Alabama 1 $ 35,000 $ 35,000 $ 0
Yuma, Arizona 1 $ 45,000 $ 45,000 $ 104,000
Baxter, Arkansas 1 $ 85,000 $ 85,000 $ 24,000
Hempstead, Arkansas 1 $ 25,000 $ 25,000 $ 15,000
Searcy, Arkansas 1 $ 75,000 $ 75,000 $ 38,000
Sebastian, Arkansas 1 $ 115,000 $ 115,000 $ 84,000
Stone, Arkansas 1 $ 135,000 $ 135,000 $ 104,000
Amador, California 1 $ 445,000 $ 445,000 $ 0
Calaveras, California 1 $ 565,000 $ 565,000 $ 0
Madera, California 1 $ 55,000 $ 55,000 $ 49,000
San Luis Obispo, California 1 $ 685,000 $ 685,000 $ 0
Solano, California 1 $ 535,000 $ 535,000 $ 0
Gunnison, Colorado 1 $ 525,000 $ 525,000 $ 412,000
Logan, Colorado 1 $ 365,000 $ 365,000 $ 161,000
San Miguel, Colorado 1 $ 1,325,000 $ 1,325,000 $ 2,344,000
Weld, Colorado 1 $ 355,000 $ 355,000 $ 0
Hartford, Connecticut 1 $ 265,000 $ 265,000 $ 158,000
Middlesex, Connecticut 1 $ 12,265,000 $ 12,265,000 $ 0
Sussex, Delaware 1 $ 545,000 $ 545,000 $ 0
Bradford, Florida 1 $ 5,000 $ 5,000 $ 14,000
Escambia, Florida 1 $ 695,000 $ 695,000 $ 0
Highlands, Florida 1 $ 265,000 $ 265,000 $ 100,000
Nassau, Florida 1 $ 1,575,000 $ 1,575,000 $ 0
Okeechobee, Florida 1 $ 15,000 $ 15,000 $ 13,000
Putnam, Florida 1 $ 15,000 $ 15,000 $ 127,000
St. Lucie, Florida 1 $ 65,000 $ 65,000 $ 52,000
Columbia, Georgia 1 $ 28,215,000 $ 28,215,000 $ 0
DeKalb, Georgia 1 $ 685,000 $ 685,000 $ 0
Fannin, Georgia 1 $ 495,000 $ 495,000 $ 0
Fayette, Georgia 1 $ 515,000 $ 515,000 $ 219,000
Putnam, Georgia 1 $ 465,000 $ 465,000 $ 279,000
Kauai, Hawaii 1 $ 635,000 $ 635,000 $ 599,000
Blaine, Idaho 1 $ 65,000 $ 65,000 $ 98,000
Bonner, Idaho 1 $ 1,005,000 $ 1,005,000 $ 58,000
Canyon, Idaho 1 $ 75,000 $ 75,000 $ 143,000
Twin Falls, Idaho 1 $ 65,000 $ 65,000 $ 55,000
Bond, Illinois 1 $ 215,000 $ 215,000 $ 0
Carroll, Illinois 1 $ 305,000 $ 305,000 $ 123,000
Clark, Illinois 1 $ 5,000 $ 5,000 $ 45,000
Clinton, Illinois 1 $ 155,000 $ 155,000 $ 121,000
Coles, Illinois 1 $ 55,000 $ 55,000 $ 18,000
De Witt, Illinois 1 $ 35,000 $ 35,000 $ 114,000
Fulton, Illinois 1 $ 45,000 $ 45,000 $ 45,000
Jefferson, Illinois 1 $ 65,000 $ 65,000 $ 79,000
Jersey, Illinois 1 $ 25,000 $ 25,000 $ 65,000
Knox, Illinois 1 $ 155,000 $ 155,000 $ 86,000
Macon, Illinois 1 $ 2,715,000 $ 2,715,000 $ 0
Marion, Illinois 1 $ 385,000 $ 385,000 $ 225,000
Marshall, Illinois 1 $ 55,000 $ 55,000 $ 36,000
Perry, Illinois 1 $ 55,000 $ 55,000 $ 116,000
Putnam, Illinois 1 $ 345,000 $ 345,000 $ 91,000
Randolph, Illinois 1 $ 25,000 $ 25,000 $ 0
Scott, Illinois 1 $ 15,000 $ 15,000 $ 35,000
Washington, Illinois 1 $ 85,000 $ 85,000 $ 147,000
Williamson, Illinois 1 $ 55,000 $ 55,000 $ 19,000
Blackford, Indiana 1 $ 35,000 $ 35,000 $ 27,000
Decatur, Indiana 1 $ 45,000 $ 45,000 $ 77,000
DeKalb, Indiana 1 $ 145,000 $ 145,000 $ 46,000
Elkhart, Indiana 1 $ 65,000 $ 65,000 $ 78,000
Floyd, Indiana 1 $ 25,000 $ 25,000 $ 96,000
Huntington, Indiana 1 $ 25,000 $ 25,000 $ 63,000
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Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2018

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
Cash-out Refinancing 9,202 $1,535,880,000 $166,000 $12,005,000 $112,000 $6,484,000
Other Purpose 9,094 $936,540,000 $102,000 $4,305,000 $114,000 $7,456,000
Home Purchase 6,714 $2,173,440,000 $323,000 $51,005,000 $148,000 $8,023,000
Refinancing 5,149 $952,705,000 $185,000 $15,855,000 $122,000 $8,365,000
Home Improvement 4,198 $340,670,000 $81,000 $1,995,000 $107,000 $5,777,000
Not Applicable 332 $233,310,000 $702,000 $1,915,000 $0 $0

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 25,988 $4,024,130,000 $154,000 $6,005,000 $119,000 $6,484,000
Hispanic 3,019 $318,495,000 $105,000 $1,805,000 $72,000 $1,032,000
Not Provided 2,087 $647,655,000 $310,000 $15,855,000 $217,000 $8,365,000
Asian 1,400 $280,570,000 $200,000 $3,005,000 $137,000 $5,368,000
Black or African American 1,349 $146,775,000 $108,000 $11,215,000 $85,000 $1,260,000
Not applicable 667 $730,655,000 $1,095,000 $51,005,000 $0 $0
American Indian or Alaskan Native 125 $15,635,000 $125,000 $1,005,000 $125,000 $4,200,000
Native Hawaiian or Other Pacific Islander 25 $3,185,000 $127,000 $305,000 $96,000 $229,000

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) 34,141 $6,090,275,000 $178,000 $51,005,000 $121,000 $8,365,000
FHA-insured (Federal Housing Administration) 548 $82,270,000 $150,000 $445,000 $57,000 $225,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

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 17,771 $3,189,795,000 $179,000 $51,005,000 $129,000 $8,023,000
Application Denied By Financial Institution 9,989 $1,355,135,000 $135,000 $4,335,000 $93,000 $6,428,000
File Closed For Incompleteness 2,774 $422,440,000 $152,000 $7,355,000 $141,000 $5,777,000
Application Withdrawn By Applicant 2,539 $505,435,000 $199,000 $15,855,000 $142,000 $8,365,000
Loan Purchased By The Institution 634 $480,930,000 $758,000 $2,365,000 $0 $0
Application Approved But Not Accepted 525 $63,365,000 $120,000 $2,175,000 $110,000 $1,346,000
Preapproval Denied by Financial Institution 283 $80,995,000 $286,000 $1,705,000 $124,000 $3,000,000
Preapproval Approved but not Accepted 174 $74,450,000 $427,000 $2,405,000 $199,000 $1,601,000

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
Not applicable 24,417 $4,736,415,000 $193,000 $51,005,000 $132,000 $8,365,000
Debt-To-Income Ratio 4,818 $774,850,000 $160,000 $4,335,000 $66,000 $2,438,000
Credit History 2,653 $266,505,000 $100,000 $2,505,000 $116,000 $6,428,000
Collateral 1,728 $207,710,000 $120,000 $1,615,000 $117,000 $6,420,000
Unverifiable Information 574 $94,570,000 $164,000 $1,705,000 $129,000 $3,000,000
Other 329 $53,745,000 $163,000 $3,005,000 $141,000 $1,250,000
Insufficient Cash (Downpayment, Closing Cost) 136 $34,120,000 $250,000 $2,345,000 $130,000 $1,486,000
Employment History 33 $4,195,000 $127,000 $735,000 $46,000 $343,000
Mortgage Insurance Denied 1 $435,000 $435,000 $435,000 $215,000 $215,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2018 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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