BMO Harris Bank NA Mortgage Lending & HMDA Data, 2019

In 2019, BMO Harris Bank NA of Chicago, IL reported 31,640 mortgage applications totaling $5.7 billion, down 9% from 2018. The average application was for $178,785, and applicants reported an average income of $117,858. 43% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Chicago-Naperville, IL (8,891), Milwaukee-Waukesha-West Allis, WI (3,042) and Phoenix-Mesa-Scottsdale, AZ (1,797) (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 31,640
Total Mortgage Loan Application Amount $5,656,770,000
Average Mortgage Loan Application Amount $178,785
Highest Mortgage Loan Application Amount $51,175,000
Average Applicant Income $117,858
Highest Applicant Income $9,767,000

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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 4,811 $ 803,965,000 $ 167,109 $ 120,000
Will, Illinois 1,703 $ 174,155,000 $ 102,263 $ 101,000
Maricopa, Arizona 1,701 $ 353,705,000 $ 207,939 $ 144,000
DuPage, Illinois 1,485 $ 247,565,000 $ 166,710 $ 127,000
Milwaukee, Wisconsin 1,290 $ 140,200,000 $ 108,682 $ 101,000
Kane, Illinois 896 $ 96,110,000 $ 107,265 $ 107,000
Waukesha, Wisconsin 864 $ 164,270,000 $ 190,127 $ 143,000
Lake, Illinois 837 $ 144,315,000 $ 172,419 $ 142,000
McHenry, Illinois 818 $ 89,010,000 $ 108,814 $ 111,000
Lake, Indiana 709 $ 58,515,000 $ 82,531 $ 74,000
Dane, Wisconsin 625 $ 111,505,000 $ 178,408 $ 126,000
Marion, Indiana 624 $ 57,280,000 $ 91,794 $ 86,000
Brown, Wisconsin 531 $ 66,545,000 $ 125,320 $ 87,000
Hennepin, Minnesota 474 $ 85,140,000 $ 179,620 $ 124,000
Ozaukee, Wisconsin 464 $ 64,890,000 $ 139,849 $ 108,000
Winnebago, Illinois 440 $ 33,860,000 $ 76,954 $ 79,000
Washington, Wisconsin 424 $ 61,640,000 $ 145,377 $ 100,000
Hamilton, Indiana 372 $ 53,680,000 $ 144,301 $ 130,000
Racine, Wisconsin 331 $ 31,545,000 $ 95,302 $ 77,000
Kenosha, Wisconsin 297 $ 28,605,000 $ 96,313 $ 95,000
Rock, Wisconsin 288 $ 23,990,000 $ 83,298 $ 83,000
Morgan, Indiana 262 $ 24,850,000 $ 94,847 $ 70,000
St. Louis, Missouri 248 $ 48,910,000 $ 197,217 $ 136,000
Manatee, Florida 238 $ 38,420,000 $ 161,428 $ 126,000
Kendall, Illinois 235 $ 21,795,000 $ 92,744 $ 98,000
Marathon, Wisconsin 228 $ 21,040,000 $ 92,280 $ 84,000
Outagamie, Wisconsin 223 $ 26,235,000 $ 117,645 $ 106,000
Pima, Arizona 212 $ 48,700,000 $ 229,716 $ 94,000
Johnson, Kansas 205 $ 32,035,000 $ 156,268 $ 122,000
Sauk, Wisconsin 204 $ 20,410,000 $ 100,049 $ 93,000
Sheboygan, Wisconsin 198 $ 17,740,000 $ 89,595 $ 110,000
Oneida, Wisconsin 182 $ 22,090,000 $ 121,373 $ 107,000
Hendricks, Indiana 165 $ 16,785,000 $ 101,727 $ 93,000
Winnebago, Wisconsin 161 $ 16,355,000 $ 101,583 $ 95,000
Fond du Lac, Wisconsin 151 $ 12,495,000 $ 82,748 $ 82,000
Portage, Wisconsin 151 $ 13,125,000 $ 86,920 $ 77,000
Dakota, Minnesota 150 $ 17,750,000 $ 118,333 $ 96,000
Dodge, Wisconsin 150 $ 14,490,000 $ 96,600 $ 83,000
Howard, Indiana 148 $ 9,620,000 $ 65,000 $ 74,000
Jackson, Missouri 140 $ 14,600,000 $ 104,285 $ 87,000
Porter, Indiana 131 $ 17,615,000 $ 134,465 $ 114,000
Walworth, Wisconsin 130 $ 24,670,000 $ 189,769 $ 163,000
Manitowoc, Wisconsin 129 $ 10,475,000 $ 81,201 $ 73,000
Sarasota, Florida 126 $ 39,650,000 $ 314,682 $ 156,000
La Crosse, Wisconsin 126 $ 10,180,000 $ 80,793 $ 77,000
Wyandotte, Kansas 122 $ 13,760,000 $ 112,786 $ 41,000
Collier, Florida 117 $ 54,855,000 $ 468,846 $ 274,000
Yavapai, Arizona 116 $ 21,370,000 $ 184,224 $ 91,000
Los Angeles, California 114 $ 104,990,000 $ 920,964 $ 291,000
Johnson, Indiana 112 $ 10,130,000 $ 90,446 $ 86,000
Anoka, Minnesota 103 $ 10,045,000 $ 97,524 $ 99,000
Ramsey, Minnesota 103 $ 36,975,000 $ 358,980 $ 106,000
Vilas, Wisconsin 103 $ 13,855,000 $ 134,514 $ 96,000
Adams, Wisconsin 100 $ 8,000,000 $ 80,000 $ 67,000
Pinal, Arizona 96 $ 13,080,000 $ 136,250 $ 82,000
Lee, Florida 91 $ 23,905,000 $ 262,692 $ 129,000
Columbia, Wisconsin 91 $ 12,635,000 $ 138,846 $ 88,000
St. Louis City, Missouri 90 $ 7,860,000 $ 87,333 $ 71,000
Boone, Illinois 89 $ 9,125,000 $ 102,528 $ 66,000
Scott, Minnesota 89 $ 11,625,000 $ 130,617 $ 117,000
Washington, Minnesota 87 $ 16,845,000 $ 193,620 $ 154,000
Wood, Wisconsin 84 $ 8,400,000 $ 100,000 $ 105,000
King, Washington 83 $ 64,155,000 $ 772,951 $ 239,000
Jefferson, Wisconsin 83 $ 9,395,000 $ 113,192 $ 89,000
Hillsborough, Florida 81 $ 9,925,000 $ 122,530 $ 99,000
Santa Clara, California 76 $ 67,580,000 $ 889,210 $ 112,000
Oconto, Wisconsin 75 $ 7,965,000 $ 106,200 $ 81,000
Grundy, Illinois 74 $ 6,230,000 $ 84,189 $ 88,000
Eau Claire, Wisconsin 74 $ 7,420,000 $ 100,270 $ 86,000
Calumet, Wisconsin 72 $ 7,370,000 $ 102,361 $ 94,000
Lincoln, Wisconsin 70 $ 4,480,000 $ 64,000 $ 96,000
Chippewa, Wisconsin 68 $ 7,420,000 $ 109,117 $ 101,000
Orange, California 66 $ 61,920,000 $ 938,181 $ 1,108,000
Palm Beach, Florida 63 $ 41,395,000 $ 657,063 $ 512,000
Boone, Indiana 62 $ 9,760,000 $ 157,419 $ 161,000
Waupaca, Wisconsin 62 $ 5,140,000 $ 82,903 $ 76,000
Charlotte, Florida 61 $ 8,695,000 $ 142,540 $ 97,000
San Diego, California 60 $ 48,150,000 $ 802,500 $ 411,000
Juneau, Wisconsin 58 $ 4,430,000 $ 76,379 $ 62,000
Shawano, Wisconsin 57 $ 4,585,000 $ 80,438 $ 62,000
Clay, Missouri 56 $ 6,050,000 $ 108,035 $ 104,000
Pierce, Wisconsin 56 $ 5,190,000 $ 92,678 $ 77,000
Waushara, Wisconsin 56 $ 5,240,000 $ 93,571 $ 57,000
Alameda, California 49 $ 42,785,000 $ 873,163 $ 0
Pinellas, Florida 48 $ 14,410,000 $ 300,208 $ 188,000
Madison, Indiana 48 $ 3,470,000 $ 72,291 $ 66,000
Douglas, Wisconsin 47 $ 3,605,000 $ 76,702 $ 63,000
Bayfield, Wisconsin 46 $ 3,470,000 $ 75,434 $ 62,000
Miami-Dade, Florida 45 $ 22,595,000 $ 502,111 $ 278,000
Ashland, Wisconsin 45 $ 3,365,000 $ 74,777 $ 62,000
Marinette, Wisconsin 44 $ 3,120,000 $ 70,909 $ 75,000
Riverside, California 41 $ 20,165,000 $ 491,829 $ 296,000
Broward, Florida 40 $ 16,730,000 $ 418,250 $ 210,000
Iowa, Wisconsin 40 $ 4,210,000 $ 105,250 $ 90,000
Richland, Wisconsin 40 $ 2,760,000 $ 69,000 $ 72,000
Clark, Wisconsin 39 $ 2,865,000 $ 73,461 $ 65,000
Marquette, Wisconsin 38 $ 2,840,000 $ 74,736 $ 72,000
San Mateo, California 36 $ 37,690,000 $ 1,046,944 $ 728,000
St. Clair, Illinois 36 $ 3,120,000 $ 86,666 $ 60,000
Kewaunee, Wisconsin 36 $ 3,240,000 $ 90,000 $ 73,000
DeKalb, Illinois 34 $ 3,340,000 $ 98,235 $ 94,000
Rush, Indiana 34 $ 1,740,000 $ 51,176 $ 60,000
Hancock, Indiana 32 $ 3,320,000 $ 103,750 $ 116,000
Carver, Minnesota 32 $ 4,320,000 $ 135,000 $ 182,000
St. Charles, Missouri 32 $ 4,070,000 $ 127,187 $ 130,000
Green Lake, Wisconsin 32 $ 6,060,000 $ 189,375 $ 156,000
Jefferson, Missouri 31 $ 2,525,000 $ 81,451 $ 84,000
Wright, Minnesota 30 $ 2,900,000 $ 96,666 $ 150,000
Clark, Nevada 30 $ 15,510,000 $ 517,000 $ 224,000
St. Louis, Minnesota 29 $ 3,095,000 $ 106,724 $ 82,000
Buchanan, Missouri 29 $ 3,575,000 $ 123,275 $ 63,000
LaPorte, Indiana 28 $ 3,410,000 $ 121,785 $ 79,000
Berrien, Michigan 28 $ 13,150,000 $ 469,642 $ 259,000
Contra Costa, California 27 $ 21,115,000 $ 782,037 $ 198,000
Denver, Colorado 27 $ 19,165,000 $ 709,814 $ 631,000
Door, Wisconsin 27 $ 8,535,000 $ 316,111 $ 211,000
Ventura, California 24 $ 19,870,000 $ 827,916 $ 316,000
Hudson, New Jersey 24 $ 16,160,000 $ 673,333 $ 0
Orange, Florida 22 $ 7,630,000 $ 346,818 $ 165,000
St. Croix, Wisconsin 22 $ 2,380,000 $ 108,181 $ 163,000
Coconino, Arizona 21 $ 5,545,000 $ 264,047 $ 107,000
Polk, Florida 21 $ 1,395,000 $ 66,428 $ 154,000
LaSalle, Illinois 21 $ 2,135,000 $ 101,666 $ 187,000
Pasco, Florida 20 $ 2,760,000 $ 138,000 $ 54,000
Crawford, Kansas 20 $ 1,850,000 $ 92,500 $ 67,000
Harris, Texas 20 $ 10,410,000 $ 520,500 $ 194,000
Grant, Wisconsin 20 $ 2,350,000 $ 117,500 $ 68,000
Mohave, Arizona 19 $ 3,455,000 $ 181,842 $ 70,000
Dunn, Wisconsin 19 $ 1,585,000 $ 83,421 $ 84,000
Fulton, Georgia 18 $ 11,610,000 $ 645,000 $ 307,000
Tipton, Indiana 18 $ 1,270,000 $ 70,555 $ 65,000
Middlesex, Massachusetts 18 $ 16,830,000 $ 935,000 $ 623,000
Vernon, Wisconsin 18 $ 1,290,000 $ 71,666 $ 85,000
Navajo, Arizona 17 $ 2,445,000 $ 143,823 $ 189,000
Fairfield, Connecticut 17 $ 15,805,000 $ 929,705 $ 140,000
Kankakee, Illinois 17 $ 1,515,000 $ 89,117 $ 71,000
San Francisco, California 16 $ 14,950,000 $ 934,375 $ 261,000
Platte, Missouri 16 $ 3,130,000 $ 195,625 $ 127,000
Mecklenburg, North Carolina 16 $ 7,860,000 $ 491,250 $ 199,000
Lake, Florida 15 $ 1,655,000 $ 110,333 $ 82,000
Langlade, Wisconsin 15 $ 1,335,000 $ 89,000 $ 84,000
St. Lucie, Florida 14 $ 850,000 $ 60,714 $ 78,000
Ogle, Illinois 14 $ 780,000 $ 55,714 $ 89,000
Henry, Indiana 14 $ 810,000 $ 57,857 $ 70,000
Shelby, Indiana 14 $ 1,780,000 $ 127,142 $ 75,000
St. Joseph, Indiana 14 $ 500,000 $ 35,714 $ 69,000
Marin, California 13 $ 12,745,000 $ 980,384 $ 309,000
Boulder, Colorado 13 $ 10,215,000 $ 785,769 $ 752,000
Douglas, Colorado 13 $ 11,915,000 $ 916,538 $ 1,105,000
Jefferson, Colorado 13 $ 8,465,000 $ 651,153 $ 152,000
Williamson, Tennessee 13 $ 7,485,000 $ 575,769 $ 146,000
Green, Wisconsin 13 $ 2,005,000 $ 154,230 $ 101,000
San Bernardino, California 12 $ 7,050,000 $ 587,500 $ 45,000
Peoria, Illinois 12 $ 300,000 $ 25,000 $ 39,000
Sedgwick, Kansas 12 $ 1,470,000 $ 122,500 $ 731,000
Franklin, Ohio 12 $ 1,620,000 $ 135,000 $ 96,000
Volusia, Florida 11 $ 855,000 $ 77,727 $ 84,000
Monroe, Indiana 11 $ 1,595,000 $ 145,000 $ 79,000
Montgomery, Maryland 11 $ 7,465,000 $ 678,636 $ 268,000
Crow Wing, Minnesota 11 $ 2,415,000 $ 219,545 $ 417,000
Sherburne, Minnesota 11 $ 2,765,000 $ 251,363 $ 118,000
Cass, Missouri 11 $ 955,000 $ 86,818 $ 315,000
Jasper, Missouri 11 $ 1,225,000 $ 111,363 $ 67,000
Fairfax, Virginia 11 $ 8,445,000 $ 767,727 $ 1,410,000
Crawford, Wisconsin 11 $ 655,000 $ 59,545 $ 52,000
Monroe, Wisconsin 11 $ 505,000 $ 45,909 $ 57,000
Brevard, Florida 10 $ 1,830,000 $ 183,000 $ 39,000
Hernando, Florida 10 $ 1,070,000 $ 107,000 $ 84,000
Forsyth, Georgia 10 $ 4,650,000 $ 465,000 $ 144,000
Madison, Illinois 10 $ 1,830,000 $ 183,000 $ 76,000
Clay, Indiana 10 $ 630,000 $ 63,000 $ 56,000
Putnam, Indiana 10 $ 510,000 $ 51,000 $ 62,000
Stearns, Minnesota 10 $ 14,830,000 $ 1,483,000 $ 267,000
Bergen, New Jersey 10 $ 6,470,000 $ 647,000 $ 96,000
Dallas, Texas 10 $ 8,430,000 $ 843,000 $ 237,000
Gila, Arizona 9 $ 695,000 $ 77,222 $ 76,000
Sacramento, California 9 $ 3,855,000 $ 428,333 $ 275,000
Highlands, Florida 9 $ 715,000 $ 79,444 $ 59,000
Seminole, Florida 9 $ 1,425,000 $ 158,333 $ 109,000
Bartholomew, Indiana 9 $ 365,000 $ 40,555 $ 61,000
Douglas, Kansas 9 $ 1,045,000 $ 116,111 $ 83,000
Rice, Minnesota 9 $ 1,145,000 $ 127,222 $ 119,000
Clackamas, Oregon 9 $ 6,025,000 $ 669,444 $ 225,000
Multnomah, Oregon 9 $ 5,425,000 $ 602,777 $ 269,000
Charleston, South Carolina 9 $ 8,575,000 $ 952,777 $ 235,000
Kitsap, Washington 9 $ 5,095,000 $ 566,111 $ 163,000
Snohomish, Washington 9 $ 5,445,000 $ 605,000 $ 450,000
Lafayette, Wisconsin 9 $ 715,000 $ 79,444 $ 128,000
Menominee, Wisconsin 9 $ 665,000 $ 73,888 $ 63,000
Sawyer, Wisconsin 9 $ 1,375,000 $ 152,777 $ 92,000
Trempealeau, Wisconsin 9 $ 835,000 $ 92,777 $ 57,000
Santa Cruz, California 8 $ 5,780,000 $ 722,500 $ 329,000
Citrus, Florida 8 $ 480,000 $ 60,000 $ 64,000
Indian River, Florida 8 $ 4,080,000 $ 510,000 $ 286,000
Marion, Florida 8 $ 380,000 $ 47,500 $ 59,000
Sullivan, Indiana 8 $ 460,000 $ 57,500 $ 53,000
Gogebic, Michigan 8 $ 1,510,000 $ 188,750 $ 183,000
Wayne, Michigan 8 $ 2,990,000 $ 373,750 $ 115,000
Chisago, Minnesota 8 $ 1,030,000 $ 128,750 $ 84,000
Goodhue, Minnesota 8 $ 2,090,000 $ 261,250 $ 83,000
Camden, Missouri 8 $ 1,810,000 $ 226,250 $ 138,000
Morris, New Jersey 8 $ 26,940,000 $ 3,367,500 $ 809,000
Wake, North Carolina 8 $ 4,420,000 $ 552,500 $ 140,000
Cuyahoga, Ohio 8 $ 620,000 $ 77,500 $ 128,000
Delaware, Pennsylvania 8 $ 4,500,000 $ 562,500 $ 281,000
Fort Bend, Texas 8 $ 2,870,000 $ 358,750 $ 118,000
Tarrant, Texas 8 $ 4,680,000 $ 585,000 $ 5,000
Travis, Texas 8 $ 5,620,000 $ 702,500 $ 464,000
Salt Lake, Utah 8 $ 6,130,000 $ 766,250 $ 280,000
Summit, Utah 8 $ 7,420,000 $ 927,500 $ 941,000
Barron, Wisconsin 8 $ 1,320,000 $ 165,000 $ 142,000
Cochise, Arizona 7 $ 655,000 $ 93,571 $ 60,000
Santa Cruz, Arizona 7 $ 1,245,000 $ 177,857 $ 61,000
El Dorado, California 7 $ 4,135,000 $ 590,714 $ 18,000
Monterey, California 7 $ 7,565,000 $ 1,080,714 $ 439,000
Placer, California 7 $ 9,095,000 $ 1,299,285 $ 707,000
Santa Barbara, California 7 $ 4,745,000 $ 677,857 $ 47,000
Sonoma, California 7 $ 6,935,000 $ 990,714 $ 430,000
Summit, Colorado 7 $ 5,045,000 $ 720,714 $ 195,000
District of Columbia, District Of Columbia 7 $ 5,005,000 $ 715,000 $ 148,000
Duval, Florida 7 $ 1,185,000 $ 169,285 $ 73,000
Ada, Idaho 7 $ 4,265,000 $ 609,285 $ 224,000
Allen, Indiana 7 $ 795,000 $ 113,571 $ 109,000
Polk, Iowa 7 $ 2,595,000 $ 370,714 $ 97,000
Houston, Minnesota 7 $ 465,000 $ 66,428 $ 53,000
Boone, Missouri 7 $ 1,755,000 $ 250,714 $ 169,000
Greene, Missouri 7 $ 1,885,000 $ 269,285 $ 135,000
Warren, Missouri 7 $ 15,585,000 $ 2,226,428 $ 1,993,000
Essex, New Jersey 7 $ 3,715,000 $ 530,714 $ 260,000
Monmouth, New Jersey 7 $ 4,455,000 $ 636,428 $ 990,000
Santa Fe, New Mexico 7 $ 10,815,000 $ 1,545,000 $ 214,000
Clark, Washington 7 $ 3,995,000 $ 570,714 $ 220,000
Buffalo, Wisconsin 7 $ 535,000 $ 76,428 $ 55,000
Forest, Wisconsin 7 $ 795,000 $ 113,571 $ 78,000
Napa, California 6 $ 4,570,000 $ 761,666 $ 0
Escambia, Florida 6 $ 2,800,000 $ 466,666 $ 53,000
Flagler, Florida 6 $ 590,000 $ 98,333 $ 75,000
Osceola, Florida 6 $ 670,000 $ 111,666 $ 148,000
St. Johns, Florida 6 $ 2,340,000 $ 390,000 $ 149,000
Cobb, Georgia 6 $ 3,170,000 $ 528,333 $ 881,000
Maui, Hawaii 6 $ 12,370,000 $ 2,061,666 $ 1,020,000
Sangamon, Illinois 6 $ 1,200,000 $ 200,000 $ 174,000
Stephenson, Illinois 6 $ 170,000 $ 28,333 $ 53,000
Williamson, Illinois 6 $ 690,000 $ 115,000 $ 139,000
Brown, Indiana 6 $ 470,000 $ 78,333 $ 82,000
Cass, Indiana 6 $ 470,000 $ 78,333 $ 62,000
Delaware, Indiana 6 $ 140,000 $ 23,333 $ 27,000
Jasper, Indiana 6 $ 540,000 $ 90,000 $ 70,000
White, Indiana 6 $ 540,000 $ 90,000 $ 56,000
Leavenworth, Kansas 6 $ 1,060,000 $ 176,666 $ 121,000
Buncombe, North Carolina 6 $ 2,730,000 $ 455,000 $ 177,000
Hamilton, Ohio 6 $ 860,000 $ 143,333 $ 142,000
Washington, Oregon 6 $ 3,850,000 $ 641,666 $ 49,000
Chester, Pennsylvania 6 $ 3,120,000 $ 520,000 $ 101,000
Beaufort, South Carolina 6 $ 3,050,000 $ 508,333 $ 143,000
Eagle, Colorado 5 $ 3,305,000 $ 661,000 $ 619,000
Grand, Colorado 5 $ 1,765,000 $ 353,000 $ 403,000
Routt, Colorado 5 $ 5,485,000 $ 1,097,000 $ 1,800,000
Bay, Florida 5 $ 485,000 $ 97,000 $ 60,000
Monroe, Florida 5 $ 3,885,000 $ 777,000 $ 505,000
Nassau, Florida 5 $ 2,625,000 $ 525,000 $ 273,000
Sumter, Florida 5 $ 445,000 $ 89,000 $ 115,000
DeKalb, Georgia 5 $ 3,105,000 $ 621,000 $ 192,000
Iroquois, Illinois 5 $ 285,000 $ 57,000 $ 79,000
Marshall, Illinois 5 $ 505,000 $ 101,000 $ 77,000
McLean, Illinois 5 $ 405,000 $ 81,000 $ 65,000
Vermilion, Illinois 5 $ 335,000 $ 67,000 $ 83,000
Carroll, Indiana 5 $ 395,000 $ 79,000 $ 76,000
Clinton, Indiana 5 $ 185,000 $ 37,000 $ 60,000
Fayette, Indiana 5 $ 245,000 $ 49,000 $ 51,000
Greene, Indiana 5 $ 205,000 $ 41,000 $ 37,000
Newton, Indiana 5 $ 295,000 $ 59,000 $ 65,000
Owen, Indiana 5 $ 265,000 $ 53,000 $ 69,000
Starke, Indiana 5 $ 545,000 $ 109,000 $ 108,000
Labette, Kansas 5 $ 65,000 $ 13,000 $ 35,000
Norfolk, Massachusetts 5 $ 3,905,000 $ 781,000 $ 275,000
Suffolk, Massachusetts 5 $ 3,445,000 $ 689,000 $ 235,000
Kent, Michigan 5 $ 2,025,000 $ 405,000 $ 225,000
Oakland, Michigan 5 $ 3,905,000 $ 781,000 $ 2,141,000
Hubbard, Minnesota 5 $ 1,035,000 $ 207,000 $ 192,000
Isanti, Minnesota 5 $ 665,000 $ 133,000 $ 116,000
Andrew, Missouri 5 $ 415,000 $ 83,000 $ 59,000
Franklin, Missouri 5 $ 1,205,000 $ 241,000 $ 116,000
Bernalillo, New Mexico 5 $ 555,000 $ 111,000 $ 61,000
Philadelphia, Pennsylvania 5 $ 2,305,000 $ 461,000 $ 60,000
Davidson, Tennessee 5 $ 2,455,000 $ 491,000 $ 253,000
Dickson, Tennessee 5 $ 185,000 $ 37,000 $ 100,000
Wasatch, Utah 5 $ 8,275,000 $ 1,655,000 $ 370,000
Thurston, Washington 5 $ 2,795,000 $ 559,000 $ 375,000
Rusk, Wisconsin 5 $ 225,000 $ 45,000 $ 84,000
Pulaski, Arkansas 4 $ 590,000 $ 147,500 $ 18,000
Fresno, California 4 $ 1,440,000 $ 360,000 $ 254,000
Nevada, California 4 $ 3,180,000 $ 795,000 $ 0
San Joaquin, California 4 $ 2,340,000 $ 585,000 $ 0
San Luis Obispo, California 4 $ 2,660,000 $ 665,000 $ 0
Arapahoe, Colorado 4 $ 2,870,000 $ 717,500 $ 64,000
El Paso, Colorado 4 $ 1,910,000 $ 477,500 $ 118,000
Walton, Florida 4 $ 2,260,000 $ 565,000 $ 444,000
Glynn, Georgia 4 $ 6,070,000 $ 1,517,500 $ 343,000
Gwinnett, Georgia 4 $ 2,290,000 $ 572,500 $ 0
Honolulu, Hawaii 4 $ 3,240,000 $ 810,000 $ 330,000
Carroll, Illinois 4 $ 430,000 $ 107,500 $ 66,000
Coles, Illinois 4 $ 270,000 $ 67,500 $ 50,000
Jo Daviess, Illinois 4 $ 720,000 $ 180,000 $ 303,000
Lee, Illinois 4 $ 470,000 $ 117,500 $ 104,000
Tazewell, Illinois 4 $ 70,000 $ 17,500 $ 52,000
Elkhart, Indiana 4 $ 110,000 $ 27,500 $ 67,000
Grant, Indiana 4 $ 140,000 $ 35,000 $ 77,000
Huntington, Indiana 4 $ 420,000 $ 105,000 $ 53,000
Tippecanoe, Indiana 4 $ 410,000 $ 102,500 $ 73,000
Vigo, Indiana 4 $ 130,000 $ 32,500 $ 35,000
Wayne, Indiana 4 $ 140,000 $ 35,000 $ 46,000
Linn, Iowa 4 $ 180,000 $ 45,000 $ 48,000
Shawnee, Kansas 4 $ 60,000 $ 15,000 $ 22,000
Jefferson, Kentucky 4 $ 480,000 $ 120,000 $ 76,000
Orleans, Louisiana 4 $ 2,850,000 $ 712,500 $ 277,000
Anne Arundel, Maryland 4 $ 2,450,000 $ 612,500 $ 0
Van Buren, Michigan 4 $ 1,110,000 $ 277,500 $ 174,000
Cass, Minnesota 4 $ 590,000 $ 147,500 $ 94,000
Otter Tail, Minnesota 4 $ 260,000 $ 65,000 $ 43,000
Wabasha, Minnesota 4 $ 610,000 $ 152,500 $ 122,000
Clinton, Missouri 4 $ 260,000 $ 65,000 $ 56,000
Phelps, Missouri 4 $ 670,000 $ 167,500 $ 72,000
Saline, Missouri 4 $ 160,000 $ 40,000 $ 55,000
Scott, Missouri 4 $ 60,000 $ 15,000 $ 28,000
Tulsa, Oklahoma 4 $ 2,600,000 $ 650,000 $ 130,000
Shelby, Tennessee 4 $ 910,000 $ 227,500 $ 100,000
Denton, Texas 4 $ 2,290,000 $ 572,500 $ 225,000
Montgomery, Texas 4 $ 2,740,000 $ 685,000 $ 141,000
Arlington, Virginia 4 $ 2,830,000 $ 707,500 $ 0
Henrico, Virginia 4 $ 51,960,000 $ 12,990,000 $ 108,000
Benton, Washington 4 $ 1,850,000 $ 462,500 $ 190,000
Pierce, Washington 4 $ 1,610,000 $ 402,500 $ 143,000
Spokane, Washington 4 $ 1,800,000 $ 450,000 $ 208,000
Whatcom, Washington 4 $ 1,570,000 $ 392,500 $ 162,000
Florence, Wisconsin 4 $ 870,000 $ 217,500 $ 95,000
Jackson, Wisconsin 4 $ 450,000 $ 112,500 $ 57,000
Pepin, Wisconsin 4 $ 420,000 $ 105,000 $ 85,000
Taylor, Wisconsin 4 $ 370,000 $ 92,500 $ 48,000
Teton, Wyoming 4 $ 10,810,000 $ 2,702,500 $ 284,000
Baldwin, Alabama 3 $ 1,315,000 $ 438,333 $ 60,000
Apache, Arizona 3 $ 855,000 $ 285,000 $ 170,000
La Paz, Arizona 3 $ 225,000 $ 75,000 $ 34,000
Larimer, Colorado 3 $ 1,635,000 $ 545,000 $ 229,000
Alachua, Florida 3 $ 335,000 $ 111,666 $ 79,000
Clay, Florida 3 $ 155,000 $ 51,666 $ 67,000
Martin, Florida 3 $ 5,905,000 $ 1,968,333 $ 2,086,000
Santa Rosa, Florida 3 $ 895,000 $ 298,333 $ 348,000
Chatham, Georgia 3 $ 185,000 $ 61,666 $ 81,000
Hawaii, Hawaii 3 $ 2,895,000 $ 965,000 $ 133,000
Marion, Illinois 3 $ 55,000 $ 18,333 $ 70,000
Saline, Illinois 3 $ 75,000 $ 25,000 $ 144,000
Fulton, Indiana 3 $ 245,000 $ 81,666 $ 59,000
Jefferson, Indiana 3 $ 375,000 $ 125,000 $ 84,000
Vanderburgh, Indiana 3 $ 585,000 $ 195,000 $ 32,000
Johnson, Iowa 3 $ 795,000 $ 265,000 $ 123,000
Scott, Iowa 3 $ 535,000 $ 178,333 $ 123,000
Allen, Kansas 3 $ 65,000 $ 21,666 $ 29,000
Cherokee, Kansas 3 $ 75,000 $ 25,000 $ 6,000
Ford, Kansas 3 $ 55,000 $ 18,333 $ 55,000
Franklin, Kansas 3 $ 255,000 $ 85,000 $ 60,000
Miami, Kansas 3 $ 565,000 $ 188,333 $ 121,000
Neosho, Kansas 3 $ 65,000 $ 21,666 $ 52,000
Saline, Kansas 3 $ 95,000 $ 31,666 $ 46,000
Ouachita, Louisiana 3 $ 205,000 $ 68,333 $ 28,000
Howard, Maryland 3 $ 2,085,000 $ 695,000 $ 0
Essex, Massachusetts 3 $ 1,695,000 $ 565,000 $ 534,000
Worcester, Massachusetts 3 $ 1,545,000 $ 515,000 $ 205,000
Allegan, Michigan 3 $ 825,000 $ 275,000 $ 408,000
Calhoun, Michigan 3 $ 25,000 $ 8,333 $ 29,000
Delta, Michigan 3 $ 135,000 $ 45,000 $ 105,000
Marquette, Michigan 3 $ 485,000 $ 161,666 $ 45,000
Muskegon, Michigan 3 $ 1,145,000 $ 381,666 $ 75,000
Becker, Minnesota 3 $ 135,000 $ 45,000 $ 36,000
Douglas, Minnesota 3 $ 595,000 $ 198,333 $ 88,000
Le Sueur, Minnesota 3 $ 415,000 $ 138,333 $ 132,000
Martin, Minnesota 3 $ 75,000 $ 25,000 $ 70,000
McLeod, Minnesota 3 $ 285,000 $ 95,000 $ 139,000
Olmsted, Minnesota 3 $ 1,165,000 $ 388,333 $ 232,000
Todd, Minnesota 3 $ 255,000 $ 85,000 $ 150,000
Bates, Missouri 3 $ 75,000 $ 25,000 $ 33,000
Benton, Missouri 3 $ 305,000 $ 101,666 $ 178,000
Butler, Missouri 3 $ 315,000 $ 105,000 $ 107,000
Pulaski, Missouri 3 $ 55,000 $ 18,333 $ 10,000
Somerset, New Jersey 3 $ 1,845,000 $ 615,000 $ 195,000
Queens, New York 3 $ 1,845,000 $ 615,000 $ 13,000
Guilford, North Carolina 3 $ 625,000 $ 208,333 $ 48,000
Iredell, North Carolina 3 $ 1,845,000 $ 615,000 $ 688,000
Clermont, Ohio 3 $ 515,000 $ 171,666 $ 159,000
Warren, Ohio 3 $ 805,000 $ 268,333 $ 299,000
Oklahoma, Oklahoma 3 $ 1,645,000 $ 548,333 $ 36,000
Butler, Pennsylvania 3 $ 3,435,000 $ 1,145,000 $ 240,000
Lancaster, Pennsylvania 3 $ 1,315,000 $ 438,333 $ 0
Greenville, South Carolina 3 $ 1,595,000 $ 531,666 $ 225,000
Oconee, South Carolina 3 $ 1,195,000 $ 398,333 $ 131,000
Monroe, Tennessee 3 $ 715,000 $ 238,333 $ 148,000
Utah, Utah 3 $ 1,565,000 $ 521,666 $ 0
Albemarle, Virginia 3 $ 1,615,000 $ 538,333 $ 185,000
Island, Washington 3 $ 1,595,000 $ 531,666 $ 0
Burnett, Wisconsin 3 $ 265,000 $ 88,333 $ 30,000
Washburn, Wisconsin 3 $ 125,000 $ 41,666 $ 55,000
Mobile, Alabama 2 $ 140,000 $ 70,000 $ 53,000
Yuma, Arizona 2 $ 30,000 $ 15,000 $ 24,000
Baxter, Arkansas 2 $ 260,000 $ 130,000 $ 91,000
Sebastian, Arkansas 2 $ 340,000 $ 170,000 $ 110,000
Washington, Arkansas 2 $ 700,000 $ 350,000 $ 12,000
Butte, California 2 $ 650,000 $ 325,000 $ 8,000
Kern, California 2 $ 780,000 $ 390,000 $ 756,000
Solano, California 2 $ 560,000 $ 280,000 $ 108,000
Yolo, California 2 $ 1,090,000 $ 545,000 $ 0
Adams, Colorado 2 $ 480,000 $ 240,000 $ 111,000
Clear Creek, Colorado 2 $ 440,000 $ 220,000 $ 114,000
Pitkin, Colorado 2 $ 1,810,000 $ 905,000 $ 0
New Haven, Connecticut 2 $ 1,030,000 $ 515,000 $ 311,000
New London, Connecticut 2 $ 600,000 $ 300,000 $ 120,000
Sussex, Delaware 2 $ 1,000,000 $ 500,000 $ 0
Bradford, Florida 2 $ 170,000 $ 85,000 $ 1,999,000
Gadsden, Florida 2 $ 30,000 $ 15,000 $ 68,000
Leon, Florida 2 $ 80,000 $ 40,000 $ 132,000
Putnam, Florida 2 $ 100,000 $ 50,000 $ 42,000
Taylor, Florida 2 $ 60,000 $ 30,000 $ 34,000
Brooks, Georgia 2 $ 40,000 $ 20,000 $ 49,000
Clayton, Georgia 2 $ 110,000 $ 55,000 $ 85,000
Greene, Georgia 2 $ 1,840,000 $ 920,000 $ 850,000
Lowndes, Georgia 2 $ 10,000 $ 5,000 $ 990,000
Richmond, Georgia 2 $ 10,000 $ 5,000 $ 3,000
Champaign, Illinois 2 $ 110,000 $ 55,000 $ 82,000
Fulton, Illinois 2 $ 70,000 $ 35,000 $ 109,000
Jefferson, Illinois 2 $ 60,000 $ 30,000 $ 27,000
Knox, Illinois 2 $ 30,000 $ 15,000 $ 121,000
Macon, Illinois 2 $ 60,000 $ 30,000 $ 28,000
Whiteside, Illinois 2 $ 530,000 $ 265,000 $ 57,000
Blackford, Indiana 2 $ 70,000 $ 35,000 $ 33,000
Decatur, Indiana 2 $ 60,000 $ 30,000 $ 37,000
Dubois, Indiana 2 $ 200,000 $ 100,000 $ 105,000
Floyd, Indiana 2 $ 110,000 $ 55,000 $ 122,000
Gibson, Indiana 2 $ 40,000 $ 20,000 $ 71,000
Jennings, Indiana 2 $ 70,000 $ 35,000 $ 139,000
Knox, Indiana 2 $ 20,000 $ 10,000 $ 25,000
Kosciusko, Indiana 2 $ 560,000 $ 280,000 $ 192,000
Lawrence, Indiana 2 $ 30,000 $ 15,000 $ 29,000
Marshall, Indiana 2 $ 60,000 $ 30,000 $ 37,000
Randolph, Indiana 2 $ 60,000 $ 30,000 $ 115,000
Cerro Gordo, Iowa 2 $ 840,000 $ 420,000 $ 84,000
Clayton, Iowa 2 $ 370,000 $ 185,000 $ 61,000
Dubuque, Iowa 2 $ 250,000 $ 125,000 $ 66,000
Hancock, Iowa 2 $ 140,000 $ 70,000 $ 42,000
Warren, Iowa 2 $ 410,000 $ 205,000 $ 197,000
Barton, Kansas 2 $ 10,000 $ 5,000 $ 66,000
Fayette, Kentucky 2 $ 570,000 $ 285,000 $ 46,000
McCracken, Kentucky 2 $ 250,000 $ 125,000 $ 41,000
East Baton Rouge, Louisiana 2 $ 610,000 $ 305,000 $ 31,000
Jefferson, Louisiana 2 $ 500,000 $ 250,000 $ 115,000
Lafayette, Louisiana 2 $ 980,000 $ 490,000 $ 0
Aroostook, Maine 2 $ 70,000 $ 35,000 $ 10,000
Baltimore City, Maryland 2 $ 130,000 $ 65,000 $ 309,000
Prince George's, Maryland 2 $ 11,050,000 $ 5,525,000 $ 150,000
Barnstable, Massachusetts 2 $ 570,000 $ 285,000 $ 0
Dukes, Massachusetts 2 $ 2,590,000 $ 1,295,000 $ 0
Plymouth, Massachusetts 2 $ 1,020,000 $ 510,000 $ 0
Chippewa, Michigan 2 $ 280,000 $ 140,000 $ 66,000
Emmet, Michigan 2 $ 1,630,000 $ 815,000 $ 84,000
Mackinac, Michigan 2 $ 1,450,000 $ 725,000 $ 120,000
Macomb, Michigan 2 $ 1,420,000 $ 710,000 $ 0
Menominee, Michigan 2 $ 50,000 $ 25,000 $ 106,000
St. Joseph, Michigan 2 $ 140,000 $ 70,000 $ 100,000
Benton, Minnesota 2 $ 290,000 $ 145,000 $ 81,000
Carlton, Minnesota 2 $ 80,000 $ 40,000 $ 121,000
Cook, Minnesota 2 $ 220,000 $ 110,000 $ 67,000
Dodge, Minnesota 2 $ 30,000 $ 15,000 $ 65,000
Mille Lacs, Minnesota 2 $ 30,000 $ 15,000 $ 27,000
Pine, Minnesota 2 $ 20,000 $ 10,000 $ 7,000
Roseau, Minnesota 2 $ 30,000 $ 15,000 $ 104,000
Winona, Minnesota 2 $ 40,000 $ 20,000 $ 76,000
Harrison, Mississippi 2 $ 90,000 $ 45,000 $ 62,000
Cape Girardeau, Missouri 2 $ 660,000 $ 330,000 $ 244,000
Christian, Missouri 2 $ 160,000 $ 80,000 $ 24,000
Cole, Missouri 2 $ 30,000 $ 15,000 $ 58,000
Dunklin, Missouri 2 $ 40,000 $ 20,000 $ 44,000
Grundy, Missouri 2 $ 50,000 $ 25,000 $ 20,000
Henry, Missouri 2 $ 30,000 $ 15,000 $ 76,000
Johnson, Missouri 2 $ 260,000 $ 130,000 $ 175,000
Lincoln, Missouri 2 $ 80,000 $ 40,000 $ 100,000
Macon, Missouri 2 $ 80,000 $ 40,000 $ 31,000
Morgan, Missouri 2 $ 50,000 $ 25,000 $ 82,000
Newton, Missouri 2 $ 120,000 $ 60,000 $ 48,000
Pike, Missouri 2 $ 70,000 $ 35,000 $ 31,000
Ray, Missouri 2 $ 360,000 $ 180,000 $ 107,000
Gallatin, Montana 2 $ 1,260,000 $ 630,000 $ 0
Douglas, Nevada 2 $ 1,000,000 $ 500,000 $ 0
Nye, Nevada 2 $ 220,000 $ 110,000 $ 74,000
Grafton, New Hampshire 2 $ 350,000 $ 175,000 $ 127,000
Rockingham, New Hampshire 2 $ 1,910,000 $ 955,000 $ 204,000
Camden, New Jersey 2 $ 550,000 $ 275,000 $ 358,000
Mercer, New Jersey 2 $ 1,020,000 $ 510,000 $ 0
Passaic, New Jersey 2 $ 610,000 $ 305,000 $ 0
Union, New Jersey 2 $ 23,130,000 $ 11,565,000 $ 0
Dona Ana, New Mexico 2 $ 230,000 $ 115,000 $ 87,000
Nassau, New York 2 $ 880,000 $ 440,000 $ 0
Richmond, New York 2 $ 300,000 $ 150,000 $ 515,000
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Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2019

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
Other Purpose 9,016 $862,470,000 $95,000 $6,505,000 $104,000 $9,767,000
Cash-out Refinancing 8,032 $1,404,870,000 $174,000 $8,005,000 $106,000 $7,944,000
Home Improvement 7,576 $606,540,000 $80,000 $2,505,000 $101,000 $4,696,000
Home Purchase 4,671 $1,814,265,000 $388,000 $51,175,000 $160,000 $5,365,000
Refinancing 2,217 $877,935,000 $396,000 $24,305,000 $186,000 $6,228,000
Not Applicable 128 $90,690,000 $708,000 $1,895,000 $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 21,889 $2,956,085,000 $135,000 $8,005,000 $113,000 $9,767,000
Not Provided 2,856 $844,460,000 $295,000 $9,285,000 $199,000 $7,628,000
Hispanic 2,733 $249,305,000 $91,000 $2,005,000 $76,000 $4,000,000
Not applicable 1,373 $1,285,985,000 $936,000 $51,175,000 $0 $0
Black or African American 1,354 $94,000,000 $69,000 $1,005,000 $77,000 $2,962,000
Asian 1,131 $197,795,000 $174,000 $2,505,000 $116,000 $1,793,000
American Indian or Alaskan Native 197 $13,745,000 $69,000 $605,000 $123,000 $5,408,000
Native Hawaiian or Other Pacific Islander 16 $1,710,000 $106,000 $245,000 $97,000 $350,000

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) 31,424 $5,621,840,000 $178,000 $51,175,000 $117,000 $9,767,000
FHA-insured (Federal Housing Administration) 216 $34,930,000 $161,000 $375,000 $64,000 $380,000
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 13,574 $2,436,900,000 $179,000 $51,175,000 $131,000 $6,228,000
Application Denied By Financial Institution 10,265 $1,107,985,000 $107,000 $5,305,000 $86,000 $9,767,000
Application Withdrawn By Applicant 2,869 $486,085,000 $169,000 $8,005,000 $137,000 $7,944,000
File Closed For Incompleteness 2,628 $386,500,000 $147,000 $5,005,000 $133,000 $3,291,000
Loan Purchased By The Institution 1,318 $1,019,600,000 $773,000 $2,055,000 $0 $0
Application Approved But Not Accepted 573 $66,765,000 $116,000 $2,415,000 $111,000 $2,475,000
Preapproval Approved but not Accepted 211 $84,195,000 $399,000 $2,245,000 $172,000 $2,375,000
Preapproval Denied by Financial Institution 202 $68,740,000 $340,000 $2,405,000 $120,000 $1,617,000

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 21,173 $4,480,045,000 $211,000 $51,175,000 $132,000 $7,944,000
Credit History 4,148 $261,910,000 $63,000 $2,005,000 $91,000 $9,767,000
Debt-To-Income Ratio 3,990 $613,420,000 $153,000 $5,195,000 $61,000 $1,165,000
Collateral 1,405 $167,715,000 $119,000 $5,225,000 $118,000 $2,500,000
Unverifiable Information 471 $64,955,000 $137,000 $4,805,000 $129,000 $2,584,000
Other 365 $50,825,000 $139,000 $5,305,000 $153,000 $3,867,000
Insufficient Cash (Downpayment, Closing Cost) 72 $16,880,000 $234,000 $755,000 $116,000 $778,000
Employment History 16 $1,020,000 $63,000 $205,000 $33,000 $142,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2019 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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