BMO Harris Bank NA Mortgage Lending & HMDA Data, 2020

In 2020, BMO Harris Bank NA of Chicago, IL reported 26,664 mortgage applications totaling $5.5 billion, down 16% from 2019. The average application was for $207,513, and applicants reported an average income of $139,065. 42% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Chicago-Naperville, IL (7,760), Milwaukee-Waukesha-West Allis, WI (2,592) and Phoenix-Mesa-Scottsdale, AZ (1,931) (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 26,664
Total Mortgage Loan Application Amount $5,533,150,000
Average Mortgage Loan Application Amount $207,513
Highest Mortgage Loan Application Amount $29,145,000
Average Applicant Income $139,065
Highest Applicant Income $9,761,000

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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 4,102 $ 881,500,000 $ 214,895 $ 151,000
Maricopa, Arizona 1,813 $ 478,715,000 $ 264,045 $ 160,000
DuPage, Illinois 1,487 $ 294,595,000 $ 198,113 $ 151,000
Will, Illinois 1,486 $ 185,480,000 $ 124,818 $ 106,000
Milwaukee, Wisconsin 1,050 $ 172,480,000 $ 164,266 $ 97,000
Kane, Illinois 779 $ 107,995,000 $ 138,632 $ 111,000
Waukesha, Wisconsin 765 $ 157,915,000 $ 206,424 $ 158,000
Lake, Illinois 729 $ 165,235,000 $ 226,659 $ 171,000
Dane, Wisconsin 675 $ 150,315,000 $ 222,688 $ 147,000
McHenry, Illinois 636 $ 80,370,000 $ 126,367 $ 105,000
Marion, Indiana 515 $ 59,375,000 $ 115,291 $ 92,000
Lake, Indiana 509 $ 55,485,000 $ 109,007 $ 94,000
Hennepin, Minnesota 435 $ 111,145,000 $ 255,505 $ 192,000
Ozaukee, Wisconsin 399 $ 76,365,000 $ 191,390 $ 130,000
Washington, Wisconsin 378 $ 56,790,000 $ 150,238 $ 109,000
Hamilton, Indiana 361 $ 63,995,000 $ 177,271 $ 150,000
Brown, Wisconsin 347 $ 41,315,000 $ 119,063 $ 92,000
Winnebago, Illinois 293 $ 24,885,000 $ 84,931 $ 76,000
St. Louis, Missouri 263 $ 56,935,000 $ 216,482 $ 150,000
Racine, Wisconsin 251 $ 32,815,000 $ 130,737 $ 87,000
Outagamie, Wisconsin 229 $ 35,515,000 $ 155,087 $ 112,000
Pima, Arizona 226 $ 37,260,000 $ 164,867 $ 105,000
Kenosha, Wisconsin 207 $ 27,305,000 $ 131,908 $ 92,000
Manatee, Florida 201 $ 56,525,000 $ 281,218 $ 171,000
Morgan, Indiana 183 $ 21,135,000 $ 115,491 $ 80,000
Rock, Wisconsin 179 $ 19,235,000 $ 107,458 $ 85,000
Sauk, Wisconsin 175 $ 23,655,000 $ 135,171 $ 110,000
Johnson, Kansas 172 $ 40,400,000 $ 234,883 $ 204,000
Sheboygan, Wisconsin 168 $ 19,100,000 $ 113,690 $ 87,000
Oneida, Wisconsin 154 $ 19,650,000 $ 127,597 $ 99,000
Sarasota, Florida 153 $ 45,415,000 $ 296,830 $ 177,000
Walworth, Wisconsin 151 $ 31,565,000 $ 209,039 $ 150,000
Kendall, Illinois 148 $ 17,610,000 $ 118,986 $ 94,000
Winnebago, Wisconsin 141 $ 17,985,000 $ 127,553 $ 116,000
Marathon, Wisconsin 137 $ 16,845,000 $ 122,956 $ 105,000
Yavapai, Arizona 136 $ 30,080,000 $ 221,176 $ 102,000
Collier, Florida 130 $ 96,700,000 $ 743,846 $ 283,000
Hendricks, Indiana 124 $ 15,550,000 $ 125,403 $ 82,000
Howard, Indiana 122 $ 9,760,000 $ 80,000 $ 74,000
Johnson, Indiana 122 $ 12,830,000 $ 105,163 $ 79,000
Porter, Indiana 121 $ 16,725,000 $ 138,223 $ 99,000
Fond du Lac, Wisconsin 120 $ 12,160,000 $ 101,333 $ 91,000
Pinal, Arizona 118 $ 18,920,000 $ 160,338 $ 134,000
St. Louis City, Missouri 115 $ 15,365,000 $ 133,608 $ 83,000
Dodge, Wisconsin 115 $ 11,485,000 $ 99,869 $ 78,000
Dakota, Minnesota 110 $ 18,350,000 $ 166,818 $ 129,000
Portage, Wisconsin 101 $ 11,855,000 $ 117,376 $ 98,000
Lee, Florida 100 $ 30,190,000 $ 301,900 $ 236,000
Ramsey, Minnesota 90 $ 19,440,000 $ 216,000 $ 139,000
Manitowoc, Wisconsin 89 $ 9,355,000 $ 105,112 $ 68,000
Washington, Minnesota 88 $ 22,480,000 $ 255,454 $ 196,000
Vilas, Wisconsin 84 $ 15,060,000 $ 179,285 $ 109,000
Jackson, Missouri 82 $ 12,020,000 $ 146,585 $ 105,000
Lincoln, Wisconsin 80 $ 6,670,000 $ 83,375 $ 89,000
Columbia, Wisconsin 74 $ 11,340,000 $ 153,243 $ 95,000
Hillsborough, Florida 72 $ 17,790,000 $ 247,083 $ 167,000
Los Angeles, California 70 $ 88,810,000 $ 1,268,714 $ 457,000
Anoka, Minnesota 67 $ 10,595,000 $ 158,134 $ 117,000
Adams, Wisconsin 67 $ 6,135,000 $ 91,567 $ 60,000
Boone, Illinois 65 $ 7,195,000 $ 110,692 $ 80,000
Eau Claire, Wisconsin 65 $ 10,025,000 $ 154,230 $ 108,000
Scott, Minnesota 63 $ 11,435,000 $ 181,507 $ 133,000
Palm Beach, Florida 62 $ 29,890,000 $ 482,096 $ 260,000
Oconto, Wisconsin 62 $ 6,970,000 $ 112,419 $ 83,000
Chippewa, Wisconsin 60 $ 5,620,000 $ 93,666 $ 66,000
Calumet, Wisconsin 59 $ 8,065,000 $ 136,694 $ 83,000
Wood, Wisconsin 59 $ 7,155,000 $ 121,271 $ 95,000
La Crosse, Wisconsin 57 $ 6,935,000 $ 121,666 $ 96,000
Jefferson, Wisconsin 55 $ 8,585,000 $ 156,090 $ 93,000
King, Washington 54 $ 44,840,000 $ 830,370 $ 282,000
Miami-Dade, Florida 53 $ 43,375,000 $ 818,396 $ 528,000
Boone, Indiana 52 $ 9,370,000 $ 180,192 $ 190,000
Waupaca, Wisconsin 52 $ 6,070,000 $ 116,730 $ 100,000
Broward, Florida 50 $ 22,530,000 $ 450,600 $ 212,000
Pinellas, Florida 50 $ 8,990,000 $ 179,800 $ 161,000
Grundy, Illinois 49 $ 5,975,000 $ 121,938 $ 109,000
Waushara, Wisconsin 49 $ 6,745,000 $ 137,653 $ 103,000
Orange, Florida 48 $ 13,840,000 $ 288,333 $ 275,000
Shawano, Wisconsin 44 $ 5,100,000 $ 115,909 $ 73,000
Bayfield, Wisconsin 42 $ 6,090,000 $ 145,000 $ 158,000
Ashland, Wisconsin 40 $ 3,010,000 $ 75,250 $ 67,000
Clay, Missouri 37 $ 5,765,000 $ 155,810 $ 130,000
St. Charles, Missouri 37 $ 6,955,000 $ 187,972 $ 142,000
Carver, Minnesota 36 $ 7,370,000 $ 204,722 $ 155,000
Iowa, Wisconsin 35 $ 4,975,000 $ 142,142 $ 99,000
Marinette, Wisconsin 35 $ 3,925,000 $ 112,142 $ 73,000
Pierce, Wisconsin 34 $ 4,140,000 $ 121,764 $ 91,000
St. Croix, Wisconsin 34 $ 4,750,000 $ 139,705 $ 132,000
Madison, Indiana 33 $ 2,565,000 $ 77,727 $ 69,000
Rush, Indiana 33 $ 1,695,000 $ 51,363 $ 52,000
Green Lake, Wisconsin 33 $ 5,045,000 $ 152,878 $ 89,000
Juneau, Wisconsin 33 $ 3,015,000 $ 91,363 $ 90,000
Jefferson, Missouri 32 $ 5,020,000 $ 156,875 $ 123,000
Door, Wisconsin 32 $ 10,340,000 $ 323,125 $ 172,000
Douglas, Wisconsin 32 $ 2,690,000 $ 84,062 $ 77,000
DeKalb, Illinois 31 $ 4,015,000 $ 129,516 $ 96,000
Hancock, Indiana 31 $ 4,195,000 $ 135,322 $ 64,000
San Diego, California 30 $ 20,670,000 $ 689,000 $ 345,000
Marquette, Wisconsin 30 $ 2,600,000 $ 86,666 $ 100,000
Coconino, Arizona 29 $ 10,295,000 $ 355,000 $ 205,000
Clark, Wisconsin 29 $ 2,805,000 $ 96,724 $ 79,000
Orange, California 26 $ 24,040,000 $ 924,615 $ 352,000
Charlotte, Florida 26 $ 5,170,000 $ 198,846 $ 123,000
Tipton, Indiana 26 $ 2,520,000 $ 96,923 $ 60,000
Dunn, Wisconsin 26 $ 3,630,000 $ 139,615 $ 85,000
Grant, Wisconsin 26 $ 3,290,000 $ 126,538 $ 100,000
Riverside, California 25 $ 11,605,000 $ 464,200 $ 345,000
Kankakee, Illinois 24 $ 3,170,000 $ 132,083 $ 93,000
Clark, Nevada 24 $ 9,790,000 $ 407,916 $ 214,000
St. Clair, Illinois 22 $ 2,820,000 $ 128,181 $ 181,000
Denver, Colorado 21 $ 11,905,000 $ 566,904 $ 198,000
Crawford, Kansas 21 $ 1,985,000 $ 94,523 $ 80,000
Berrien, Michigan 18 $ 10,630,000 $ 590,555 $ 356,000
Wright, Minnesota 18 $ 2,610,000 $ 145,000 $ 114,000
Alameda, California 17 $ 9,305,000 $ 547,352 $ 190,000
LaPorte, Indiana 17 $ 3,135,000 $ 184,411 $ 89,000
Contra Costa, California 16 $ 12,520,000 $ 782,500 $ 160,000
Santa Clara, California 16 $ 13,790,000 $ 861,875 $ 132,000
Lake, Florida 16 $ 2,630,000 $ 164,375 $ 80,000
Brown, Indiana 16 $ 2,780,000 $ 173,750 $ 77,000
Fulton, Georgia 15 $ 12,015,000 $ 801,000 $ 300,000
Wyandotte, Kansas 15 $ 1,615,000 $ 107,666 $ 98,000
St. Louis, Minnesota 15 $ 3,795,000 $ 253,000 $ 170,000
Green, Wisconsin 15 $ 1,835,000 $ 122,333 $ 92,000
Richland, Wisconsin 15 $ 1,365,000 $ 91,000 $ 68,000
Navajo, Arizona 14 $ 2,980,000 $ 212,857 $ 261,000
Kewaunee, Wisconsin 14 $ 1,860,000 $ 132,857 $ 147,000
Gila, Arizona 13 $ 2,585,000 $ 198,846 $ 183,000
Duval, Florida 13 $ 2,005,000 $ 154,230 $ 101,000
Polk, Florida 13 $ 1,935,000 $ 148,846 $ 69,000
Walton, Florida 13 $ 13,875,000 $ 1,067,307 $ 1,280,000
Cobb, Georgia 13 $ 7,715,000 $ 593,461 $ 368,000
Wake, North Carolina 13 $ 2,455,000 $ 188,846 $ 191,000
Langlade, Wisconsin 13 $ 1,385,000 $ 106,538 $ 100,000
Ventura, California 12 $ 8,540,000 $ 711,666 $ 314,000
Jefferson, Colorado 12 $ 6,100,000 $ 508,333 $ 182,000
Indian River, Florida 12 $ 4,990,000 $ 415,833 $ 146,000
Pasco, Florida 12 $ 1,810,000 $ 150,833 $ 123,000
Mecklenburg, North Carolina 12 $ 8,880,000 $ 740,000 $ 409,000
Forest, Wisconsin 12 $ 1,790,000 $ 149,166 $ 132,000
Monroe, Wisconsin 12 $ 1,080,000 $ 90,000 $ 46,000
Fairfield, Connecticut 11 $ 6,985,000 $ 635,000 $ 209,000
LaSalle, Illinois 11 $ 1,445,000 $ 131,363 $ 96,000
Ogle, Illinois 11 $ 2,705,000 $ 245,909 $ 306,000
Sherburne, Minnesota 11 $ 1,965,000 $ 178,636 $ 103,000
Platte, Missouri 11 $ 2,015,000 $ 183,181 $ 164,000
Fairfax, Virginia 11 $ 6,305,000 $ 573,181 $ 421,000
Vernon, Wisconsin 11 $ 835,000 $ 75,909 $ 65,000
Mohave, Arizona 10 $ 2,200,000 $ 220,000 $ 106,000
Santa Cruz, Arizona 10 $ 1,150,000 $ 115,000 $ 77,000
San Francisco, California 10 $ 14,810,000 $ 1,481,000 $ 738,000
Douglas, Colorado 10 $ 6,890,000 $ 689,000 $ 616,000
Seminole, Florida 10 $ 1,200,000 $ 120,000 $ 119,000
St. Johns, Florida 10 $ 3,210,000 $ 321,000 $ 176,000
Hamilton, Ohio 10 $ 3,240,000 $ 324,000 $ 95,000
Tarrant, Texas 10 $ 12,200,000 $ 1,220,000 $ 444,000
Cochise, Arizona 9 $ 1,635,000 $ 181,666 $ 108,000
District of Columbia, District Of Columbia 9 $ 8,065,000 $ 896,111 $ 121,000
Volusia, Florida 9 $ 2,355,000 $ 261,666 $ 781,000
DeKalb, Georgia 9 $ 3,995,000 $ 443,888 $ 147,000
Peoria, Illinois 9 $ 1,975,000 $ 219,444 $ 208,000
Oakland, Michigan 9 $ 4,025,000 $ 447,222 $ 843,000
Olmsted, Minnesota 9 $ 2,165,000 $ 240,555 $ 118,000
Charleston, South Carolina 9 $ 6,195,000 $ 688,333 $ 138,000
Dallas, Texas 9 $ 4,075,000 $ 452,777 $ 152,000
Kitsap, Washington 9 $ 5,435,000 $ 603,888 $ 310,000
Snohomish, Washington 9 $ 2,445,000 $ 271,666 $ 157,000
Sonoma, California 8 $ 5,940,000 $ 742,500 $ 346,000
Brevard, Florida 8 $ 2,010,000 $ 251,250 $ 102,000
Osceola, Florida 8 $ 870,000 $ 108,750 $ 95,000
Stephenson, Illinois 8 $ 610,000 $ 76,250 $ 85,000
Allen, Indiana 8 $ 1,100,000 $ 137,500 $ 176,000
St. Joseph, Indiana 8 $ 1,630,000 $ 203,750 $ 181,000
Vigo, Indiana 8 $ 470,000 $ 58,750 $ 85,000
Franklin, Missouri 8 $ 1,090,000 $ 136,250 $ 111,000
Shelby, Tennessee 8 $ 2,930,000 $ 366,250 $ 226,000
Harris, Texas 8 $ 2,040,000 $ 255,000 $ 107,000
Travis, Texas 8 $ 7,230,000 $ 903,750 $ 871,000
Salt Lake, Utah 8 $ 4,010,000 $ 501,250 $ 409,000
Summit, Utah 8 $ 7,910,000 $ 988,750 $ 752,000
Price, Wisconsin 8 $ 940,000 $ 117,500 $ 103,000
San Mateo, California 7 $ 9,005,000 $ 1,286,428 $ 984,000
Eagle, Colorado 7 $ 9,945,000 $ 1,420,714 $ 784,000
Alachua, Florida 7 $ 1,045,000 $ 149,285 $ 126,000
Citrus, Florida 7 $ 1,075,000 $ 153,571 $ 75,000
Monroe, Florida 7 $ 5,505,000 $ 786,428 $ 453,000
Putnam, Indiana 7 $ 1,155,000 $ 165,000 $ 83,000
Orleans, Louisiana 7 $ 5,205,000 $ 743,571 $ 328,000
Prince George's, Maryland 7 $ 945,000 $ 135,000 $ 367,000
Middlesex, Massachusetts 7 $ 6,305,000 $ 900,714 $ 304,000
Buchanan, Missouri 7 $ 365,000 $ 52,142 $ 42,000
Guilford, North Carolina 7 $ 2,895,000 $ 413,571 $ 365,000
Davidson, Tennessee 7 $ 3,055,000 $ 436,428 $ 197,000
Barron, Wisconsin 7 $ 1,335,000 $ 190,714 $ 166,000
Adams, Colorado 6 $ 1,610,000 $ 268,333 $ 64,000
Escambia, Florida 6 $ 1,170,000 $ 195,000 $ 83,000
Hernando, Florida 6 $ 1,150,000 $ 191,666 $ 109,000
Highlands, Florida 6 $ 1,090,000 $ 181,666 $ 62,000
Marion, Florida 6 $ 1,080,000 $ 180,000 $ 96,000
Clay, Indiana 6 $ 590,000 $ 98,333 $ 87,000
Wayne, Indiana 6 $ 530,000 $ 88,333 $ 95,000
Sedgwick, Kansas 6 $ 1,240,000 $ 206,666 $ 171,000
Essex, Massachusetts 6 $ 5,620,000 $ 936,666 $ 297,000
Norfolk, Massachusetts 6 $ 3,230,000 $ 538,333 $ 237,000
Suffolk, Massachusetts 6 $ 2,420,000 $ 403,333 $ 396,000
Crow Wing, Minnesota 6 $ 1,430,000 $ 238,333 $ 150,000
Goodhue, Minnesota 6 $ 820,000 $ 136,666 $ 108,000
Bergen, New Jersey 6 $ 2,500,000 $ 416,666 $ 127,000
Essex, New Jersey 6 $ 6,240,000 $ 1,040,000 $ 503,000
Bernalillo, New Mexico 6 $ 1,610,000 $ 268,333 $ 211,000
Multnomah, Oregon 6 $ 3,730,000 $ 621,666 $ 215,000
Chester, Pennsylvania 6 $ 2,700,000 $ 450,000 $ 163,000
Delaware, Pennsylvania 6 $ 2,970,000 $ 495,000 $ 211,000
Clark, Washington 6 $ 3,010,000 $ 501,666 $ 165,000
Iron, Wisconsin 6 $ 1,320,000 $ 220,000 $ 186,000
Teton, Wyoming 6 $ 9,940,000 $ 1,656,666 $ 1,602,000
Marin, California 5 $ 6,055,000 $ 1,211,000 $ 893,000
Monterey, California 5 $ 13,015,000 $ 2,603,000 $ 740,000
San Bernardino, California 5 $ 1,245,000 $ 249,000 $ 99,000
Arapahoe, Colorado 5 $ 8,485,000 $ 1,697,000 $ 682,000
Boulder, Colorado 5 $ 2,675,000 $ 535,000 $ 315,000
Martin, Florida 5 $ 1,005,000 $ 201,000 $ 174,000
Sumter, Florida 5 $ 655,000 $ 131,000 $ 85,000
Chatham, Georgia 5 $ 2,655,000 $ 531,000 $ 237,000
Gwinnett, Georgia 5 $ 385,000 $ 77,000 $ 102,000
Hawaii, Hawaii 5 $ 5,385,000 $ 1,077,000 $ 507,000
Clinton, Indiana 5 $ 495,000 $ 99,000 $ 49,000
Fayette, Indiana 5 $ 405,000 $ 81,000 $ 56,000
Greene, Indiana 5 $ 315,000 $ 63,000 $ 31,000
Jasper, Indiana 5 $ 685,000 $ 137,000 $ 120,000
Sullivan, Indiana 5 $ 445,000 $ 89,000 $ 70,000
Wayne, Michigan 5 $ 705,000 $ 141,000 $ 178,000
Cass, Minnesota 5 $ 1,705,000 $ 341,000 $ 144,000
Camden, Missouri 5 $ 1,165,000 $ 233,000 $ 267,000
Gallatin, Montana 5 $ 6,565,000 $ 1,313,000 $ 729,000
Union, New Jersey 5 $ 3,945,000 $ 789,000 $ 665,000
Bronx, New York 5 $ 335,000 $ 67,000 $ 84,000
Buncombe, North Carolina 5 $ 4,575,000 $ 915,000 $ 296,000
Bucks, Pennsylvania 5 $ 3,915,000 $ 783,000 $ 967,000
Berkeley, South Carolina 5 $ 1,305,000 $ 261,000 $ 78,000
Williamson, Tennessee 5 $ 2,315,000 $ 463,000 $ 266,000
Bexar, Texas 5 $ 695,000 $ 139,000 $ 144,000
Loudoun, Virginia 5 $ 1,605,000 $ 321,000 $ 157,000
Spokane, Washington 5 $ 2,375,000 $ 475,000 $ 190,000
Burnett, Wisconsin 5 $ 1,265,000 $ 253,000 $ 192,000
Menominee, Wisconsin 5 $ 565,000 $ 113,000 $ 82,000
Polk, Wisconsin 5 $ 965,000 $ 193,000 $ 124,000
Sawyer, Wisconsin 5 $ 915,000 $ 183,000 $ 114,000
Trempealeau, Wisconsin 5 $ 615,000 $ 123,000 $ 57,000
Yuma, Arizona 4 $ 420,000 $ 105,000 $ 114,000
Fresno, California 4 $ 1,360,000 $ 340,000 $ 129,000
Kern, California 4 $ 1,010,000 $ 252,500 $ 643,000
Santa Barbara, California 4 $ 16,390,000 $ 4,097,500 $ 1,263,000
Larimer, Colorado 4 $ 940,000 $ 235,000 $ 101,000
Pitkin, Colorado 4 $ 6,380,000 $ 1,595,000 $ 473,000
Hartford, Connecticut 4 $ 5,770,000 $ 1,442,500 $ 185,000
St. Lucie, Florida 4 $ 780,000 $ 195,000 $ 81,000
Forsyth, Georgia 4 $ 840,000 $ 210,000 $ 249,000
Champaign, Illinois 4 $ 1,420,000 $ 355,000 $ 283,000
Lee, Illinois 4 $ 870,000 $ 217,500 $ 171,000
Williamson, Illinois 4 $ 640,000 $ 160,000 $ 143,000
Carroll, Indiana 4 $ 360,000 $ 90,000 $ 93,000
Cass, Indiana 4 $ 260,000 $ 65,000 $ 65,000
Henry, Indiana 4 $ 360,000 $ 90,000 $ 46,000
Allamakee, Iowa 4 $ 320,000 $ 80,000 $ 59,000
Johnson, Iowa 4 $ 1,080,000 $ 270,000 $ 219,000
Baltimore, Maryland 4 $ 810,000 $ 202,500 $ 154,000
Howard, Maryland 4 $ 1,040,000 $ 260,000 $ 51,000
Montgomery, Maryland 4 $ 1,180,000 $ 295,000 $ 454,000
Barnstable, Massachusetts 4 $ 1,650,000 $ 412,500 $ 152,000
Marquette, Michigan 4 $ 530,000 $ 132,500 $ 148,000
Ontonagon, Michigan 4 $ 540,000 $ 135,000 $ 114,000
Chisago, Minnesota 4 $ 410,000 $ 102,500 $ 115,000
Itasca, Minnesota 4 $ 510,000 $ 127,500 $ 106,000
Cass, Missouri 4 $ 480,000 $ 120,000 $ 101,000
Washoe, Nevada 4 $ 3,070,000 $ 767,500 $ 21,000
Rockingham, New Hampshire 4 $ 1,340,000 $ 335,000 $ 161,000
Suffolk, New York 4 $ 1,010,000 $ 252,500 $ 189,000
Iredell, North Carolina 4 $ 1,470,000 $ 367,500 $ 353,000
Franklin, Ohio 4 $ 1,880,000 $ 470,000 $ 300,000
Montgomery, Ohio 4 $ 590,000 $ 147,500 $ 159,000
Oklahoma, Oklahoma 4 $ 520,000 $ 130,000 $ 139,000
Beaufort, South Carolina 4 $ 1,500,000 $ 375,000 $ 186,000
Denton, Texas 4 $ 1,730,000 $ 432,500 $ 2,255,000
Arlington, Virginia 4 $ 1,320,000 $ 330,000 $ 266,000
Whatcom, Washington 4 $ 2,290,000 $ 572,500 $ 473,000
Crawford, Wisconsin 4 $ 700,000 $ 175,000 $ 63,000
Jackson, Wisconsin 4 $ 250,000 $ 62,500 $ 138,000
Rusk, Wisconsin 4 $ 400,000 $ 100,000 $ 48,000
El Paso, Colorado 3 $ 215,000 $ 71,666 $ 68,000
Grand, Colorado 3 $ 825,000 $ 275,000 $ 78,000
La Plata, Colorado 3 $ 1,035,000 $ 345,000 $ 219,000
Routt, Colorado 3 $ 3,925,000 $ 1,308,333 $ 1,650,000
New Castle, Delaware 3 $ 185,000 $ 61,666 $ 125,000
Bay, Florida 3 $ 405,000 $ 135,000 $ 155,000
Cherokee, Georgia 3 $ 355,000 $ 118,333 $ 106,000
Honolulu, Hawaii 3 $ 805,000 $ 268,333 $ 140,000
Maui, Hawaii 3 $ 5,355,000 $ 1,785,000 $ 638,000
Ada, Idaho 3 $ 1,725,000 $ 575,000 $ 603,000
Kootenai, Idaho 3 $ 445,000 $ 148,333 $ 77,000
Madison, Illinois 3 $ 175,000 $ 58,333 $ 43,000
Tazewell, Illinois 3 $ 305,000 $ 101,666 $ 250,000
Bartholomew, Indiana 3 $ 605,000 $ 201,666 $ 127,000
Delaware, Indiana 3 $ 185,000 $ 61,666 $ 78,000
Floyd, Indiana 3 $ 145,000 $ 48,333 $ 128,000
Franklin, Indiana 3 $ 165,000 $ 55,000 $ 177,000
Grant, Indiana 3 $ 125,000 $ 41,666 $ 60,000
Monroe, Indiana 3 $ 325,000 $ 108,333 $ 100,000
Shelby, Indiana 3 $ 165,000 $ 55,000 $ 43,000
Starke, Indiana 3 $ 255,000 $ 85,000 $ 218,000
Polk, Iowa 3 $ 195,000 $ 65,000 $ 78,000
Scott, Iowa 3 $ 165,000 $ 55,000 $ 45,000
Cherokee, Kansas 3 $ 225,000 $ 75,000 $ 12,000
Jefferson, Kentucky 3 $ 1,835,000 $ 611,666 $ 245,000
Oldham, Kentucky 3 $ 845,000 $ 281,666 $ 181,000
Plymouth, Massachusetts 3 $ 1,585,000 $ 528,333 $ 546,000
Gogebic, Michigan 3 $ 395,000 $ 131,666 $ 138,000
Iron, Michigan 3 $ 745,000 $ 248,333 $ 140,000
Kent, Michigan 3 $ 1,065,000 $ 355,000 $ 311,000
Ottawa, Michigan 3 $ 785,000 $ 261,666 $ 112,000
St. Joseph, Michigan 3 $ 1,125,000 $ 375,000 $ 203,000
Washtenaw, Michigan 3 $ 1,305,000 $ 435,000 $ 90,000
Aitkin, Minnesota 3 $ 745,000 $ 248,333 $ 190,000
Isanti, Minnesota 3 $ 425,000 $ 141,666 $ 76,000
Le Sueur, Minnesota 3 $ 125,000 $ 41,666 $ 127,000
Mille Lacs, Minnesota 3 $ 425,000 $ 141,666 $ 42,000
Stearns, Minnesota 3 $ 295,000 $ 98,333 $ 38,000
Andrew, Missouri 3 $ 445,000 $ 148,333 $ 168,000
Boone, Missouri 3 $ 685,000 $ 228,333 $ 197,000
Crawford, Missouri 3 $ 315,000 $ 105,000 $ 96,000
Johnson, Missouri 3 $ 725,000 $ 241,666 $ 157,000
Warren, Missouri 3 $ 7,855,000 $ 2,618,333 $ 2,072,000
Hillsborough, New Hampshire 3 $ 405,000 $ 135,000 $ 119,000
Cape May, New Jersey 3 $ 1,445,000 $ 481,666 $ 629,000
Monmouth, New Jersey 3 $ 475,000 $ 158,333 $ 278,000
Ocean, New Jersey 3 $ 1,675,000 $ 558,333 $ 286,000
Somerset, New Jersey 3 $ 2,085,000 $ 695,000 $ 309,000
Erie, New York 3 $ 245,000 $ 81,666 $ 118,000
Queens, New York 3 $ 565,000 $ 188,333 $ 117,000
Gaston, North Carolina 3 $ 565,000 $ 188,333 $ 143,000
Transylvania, North Carolina 3 $ 975,000 $ 325,000 $ 114,000
Clackamas, Oregon 3 $ 1,845,000 $ 615,000 $ 1,185,000
Deschutes, Oregon 3 $ 1,215,000 $ 405,000 $ 139,000
Washington, Oregon 3 $ 2,095,000 $ 698,333 $ 375,000
Horry, South Carolina 3 $ 675,000 $ 225,000 $ 100,000
Richland, South Carolina 3 $ 75,000 $ 25,000 $ 79,000
Collin, Texas 3 $ 985,000 $ 328,333 $ 148,000
Fort Bend, Texas 3 $ 845,000 $ 281,666 $ 193,000
Henrico, Virginia 3 $ 755,000 $ 251,666 $ 146,000
Benton, Washington 3 $ 855,000 $ 285,000 $ 210,000
Pierce, Washington 3 $ 1,925,000 $ 641,666 $ 282,000
Florence, Wisconsin 3 $ 345,000 $ 115,000 $ 55,000
Benton, Arkansas 2 $ 120,000 $ 60,000 $ 153,000
Independence, Arkansas 2 $ 170,000 $ 85,000 $ 44,000
Placer, California 2 $ 430,000 $ 215,000 $ 301,000
San Luis Obispo, California 2 $ 650,000 $ 325,000 $ 46,000
Santa Cruz, California 2 $ 1,250,000 $ 625,000 $ 151,000
Solano, California 2 $ 550,000 $ 275,000 $ 146,000
Yolo, California 2 $ 1,410,000 $ 705,000 $ 200,000
Mesa, Colorado 2 $ 400,000 $ 200,000 $ 112,000
Saguache, Colorado 2 $ 510,000 $ 255,000 $ 230,000
Summit, Colorado 2 $ 570,000 $ 285,000 $ 90,000
Flagler, Florida 2 $ 350,000 $ 175,000 $ 173,000
Gulf, Florida 2 $ 750,000 $ 375,000 $ 282,000
Leon, Florida 2 $ 30,000 $ 15,000 $ 65,000
Okaloosa, Florida 2 $ 150,000 $ 75,000 $ 70,000
Carroll, Georgia 2 $ 450,000 $ 225,000 $ 42,000
Hall, Georgia 2 $ 150,000 $ 75,000 $ 84,000
Paulding, Georgia 2 $ 190,000 $ 95,000 $ 94,000
Blaine, Idaho 2 $ 7,050,000 $ 3,525,000 $ 534,000
Adams, Illinois 2 $ 490,000 $ 245,000 $ 159,000
Bond, Illinois 2 $ 80,000 $ 40,000 $ 137,000
Fulton, Illinois 2 $ 110,000 $ 55,000 $ 71,000
Iroquois, Illinois 2 $ 70,000 $ 35,000 $ 77,000
Jo Daviess, Illinois 2 $ 160,000 $ 80,000 $ 152,000
Johnson, Illinois 2 $ 330,000 $ 165,000 $ 137,000
Livingston, Illinois 2 $ 140,000 $ 70,000 $ 137,000
Macon, Illinois 2 $ 70,000 $ 35,000 $ 51,000
McLean, Illinois 2 $ 270,000 $ 135,000 $ 50,000
Monroe, Illinois 2 $ 100,000 $ 50,000 $ 110,000
Rock Island, Illinois 2 $ 70,000 $ 35,000 $ 61,000
Saline, Illinois 2 $ 180,000 $ 90,000 $ 73,000
Vermilion, Illinois 2 $ 270,000 $ 135,000 $ 61,000
Dubois, Indiana 2 $ 300,000 $ 150,000 $ 90,000
Elkhart, Indiana 2 $ 650,000 $ 325,000 $ 77,000
Fountain, Indiana 2 $ 170,000 $ 85,000 $ 58,000
Gibson, Indiana 2 $ 280,000 $ 140,000 $ 35,000
Miami, Indiana 2 $ 80,000 $ 40,000 $ 37,000
Steuben, Indiana 2 $ 380,000 $ 190,000 $ 80,000
Tippecanoe, Indiana 2 $ 230,000 $ 115,000 $ 90,000
Cerro Gordo, Iowa 2 $ 260,000 $ 130,000 $ 80,000
Marshall, Iowa 2 $ 70,000 $ 35,000 $ 45,000
Bourbon, Kansas 2 $ 30,000 $ 15,000 $ 30,000
Leavenworth, Kansas 2 $ 40,000 $ 20,000 $ 39,000
Miami, Kansas 2 $ 410,000 $ 205,000 $ 131,000
Riley, Kansas 2 $ 460,000 $ 230,000 $ 124,000
Shawnee, Kansas 2 $ 880,000 $ 440,000 $ 227,000
Jessamine, Kentucky 2 $ 1,170,000 $ 585,000 $ 389,000
Kenton, Kentucky 2 $ 60,000 $ 30,000 $ 71,000
Anne Arundel, Maryland 2 $ 3,070,000 $ 1,535,000 $ 113,000
Berkshire, Massachusetts 2 $ 660,000 $ 330,000 $ 142,000
Nantucket, Massachusetts 2 $ 3,400,000 $ 1,700,000 $ 360,000
Allegan, Michigan 2 $ 2,240,000 $ 1,120,000 $ 1,120,000
Antrim, Michigan 2 $ 410,000 $ 205,000 $ 151,000
Ingham, Michigan 2 $ 230,000 $ 115,000 $ 76,000
Mason, Michigan 2 $ 270,000 $ 135,000 $ 125,000
Montcalm, Michigan 2 $ 140,000 $ 70,000 $ 10,000
Blue Earth, Minnesota 2 $ 760,000 $ 380,000 $ 279,000
Clay, Minnesota 2 $ 50,000 $ 25,000 $ 46,000
Houston, Minnesota 2 $ 270,000 $ 135,000 $ 80,000
Kanabec, Minnesota 2 $ 290,000 $ 145,000 $ 165,000
McLeod, Minnesota 2 $ 380,000 $ 190,000 $ 189,000
Nicollet, Minnesota 2 $ 420,000 $ 210,000 $ 248,000
Rice, Minnesota 2 $ 410,000 $ 205,000 $ 324,000
Wabasha, Minnesota 2 $ 90,000 $ 45,000 $ 89,000
Hancock, Mississippi 2 $ 1,070,000 $ 535,000 $ 388,000
Greene, Missouri 2 $ 170,000 $ 85,000 $ 93,000
Pulaski, Missouri 2 $ 50,000 $ 25,000 $ 1,289,000
Lincoln, Montana 2 $ 450,000 $ 225,000 $ 353,000
Carroll, New Hampshire 2 $ 720,000 $ 360,000 $ 87,000
Atlantic, New Jersey 2 $ 1,160,000 $ 580,000 $ 375,000
Mercer, New Jersey 2 $ 1,510,000 $ 755,000 $ 0
Morris, New Jersey 2 $ 1,080,000 $ 540,000 $ 282,000
Santa Fe, New Mexico 2 $ 960,000 $ 480,000 $ 120,000
Nassau, New York 2 $ 90,000 $ 45,000 $ 98,000
Brunswick, North Carolina 2 $ 310,000 $ 155,000 $ 46,000
Cabarrus, North Carolina 2 $ 170,000 $ 85,000 $ 59,000
Forsyth, North Carolina 2 $ 1,090,000 $ 545,000 $ 627,000
Jackson, North Carolina 2 $ 3,910,000 $ 1,955,000 $ 1,108,000
Rowan, North Carolina 2 $ 570,000 $ 285,000 $ 110,000
Cuyahoga, Ohio 2 $ 490,000 $ 245,000 $ 40,000
Greene, Ohio 2 $ 270,000 $ 135,000 $ 71,000
Lorain, Ohio 2 $ 80,000 $ 40,000 $ 36,000
Lancaster, Pennsylvania 2 $ 340,000 $ 170,000 $ 107,000
Lebanon, Pennsylvania 2 $ 12,260,000 $ 6,130,000 $ 108,000
Lehigh, Pennsylvania 2 $ 1,230,000 $ 615,000 $ 256,000
Monroe, Pennsylvania 2 $ 230,000 $ 115,000 $ 135,000
Providence, Rhode Island 2 $ 170,000 $ 85,000 $ 236,000
Dorchester, South Carolina 2 $ 860,000 $ 430,000 $ 323,000
Greenville, South Carolina 2 $ 250,000 $ 125,000 $ 66,000
Brown, South Dakota 2 $ 280,000 $ 140,000 $ 125,000
Blount, Tennessee 2 $ 5,240,000 $ 2,620,000 $ 477,000
Sumner, Tennessee 2 $ 1,680,000 $ 840,000 $ 177,000
Roanoke, Virginia 2 $ 240,000 $ 120,000 $ 98,000
Chelan, Washington 2 $ 1,350,000 $ 675,000 $ 400,000
Franklin, Washington 2 $ 420,000 $ 210,000 $ 101,000
Stevens, Washington 2 $ 130,000 $ 65,000 $ 78,000
Thurston, Washington 2 $ 810,000 $ 405,000 $ 205,000
Buffalo, Wisconsin 2 $ 290,000 $ 145,000 $ 40,000
Lafayette, Wisconsin 2 $ 130,000 $ 65,000 $ 48,000
Baldwin, Alabama 1 $ 15,000 $ 15,000 $ 110,000
Cullman, Alabama 1 $ 325,000 $ 325,000 $ 0
Houston, Alabama 1 $ 85,000 $ 85,000 $ 104,000
Jefferson, Alabama 1 $ 255,000 $ 255,000 $ 121,000
Lauderdale, Alabama 1 $ 195,000 $ 195,000 $ 609,000
Montgomery, Alabama 1 $ 125,000 $ 125,000 $ 13,000
Apache, Arizona 1 $ 185,000 $ 185,000 $ 165,000
Graham, Arizona 1 $ 175,000 $ 175,000 $ 240,000
Baxter, Arkansas 1 $ 155,000 $ 155,000 $ 44,000
Franklin, Arkansas 1 $ 25,000 $ 25,000 $ 96,000
Fulton, Arkansas 1 $ 55,000 $ 55,000 $ 28,000
Pulaski, Arkansas 1 $ 5,000 $ 5,000 $ 17,000
Searcy, Arkansas 1 $ 25,000 $ 25,000 $ 59,000
El Dorado, California 1 $ 955,000 $ 955,000 $ 0
Napa, California 1 $ 755,000 $ 755,000 $ 1,348,000
Nevada, California 1 $ 495,000 $ 495,000 $ 378,000
Sacramento, California 1 $ 55,000 $ 55,000 $ 400,000
San Joaquin, California 1 $ 115,000 $ 115,000 $ 43,000
Clear Creek, Colorado 1 $ 515,000 $ 515,000 $ 500,000
Delta, Colorado 1 $ 2,975,000 $ 2,975,000 $ 4,112,000
Garfield, Colorado 1 $ 1,995,000 $ 1,995,000 $ 17,000
Kit Carson, Colorado 1 $ 35,000 $ 35,000 $ 35,000
Montrose, Colorado 1 $ 55,000 $ 55,000 $ 145,000
Pueblo, Colorado 1 $ 245,000 $ 245,000 $ 53,000
San Miguel, Colorado 1 $ 125,000 $ 125,000 $ 501,000
New Haven, Connecticut 1 $ 15,000 $ 15,000 $ 120,000
New London, Connecticut 1 $ 695,000 $ 695,000 $ 2,311,000
Sussex, Delaware 1 $ 595,000 $ 595,000 $ 0
Clay, Florida 1 $ 185,000 $ 185,000 $ 135,000
Franklin, Florida 1 $ 125,000 $ 125,000 $ 86,000
Liberty, Florida 1 $ 5,000 $ 5,000 $ 66,000
Okeechobee, Florida 1 $ 105,000 $ 105,000 $ 78,000
Santa Rosa, Florida 1 $ 145,000 $ 145,000 $ 280,000
Camden, Georgia 1 $ 255,000 $ 255,000 $ 8,000
Chattooga, Georgia 1 $ 75,000 $ 75,000 $ 48,000
Fayette, Georgia 1 $ 645,000 $ 645,000 $ 0
Henry, Georgia 1 $ 1,085,000 $ 1,085,000 $ 329,000
Rockdale, Georgia 1 $ 175,000 $ 175,000 $ 90,000
Tift, Georgia 1 $ 95,000 $ 95,000 $ 35,000
Walker, Georgia 1 $ 25,000 $ 25,000 $ 25,000
Kauai, Hawaii 1 $ 405,000 $ 405,000 $ 480,000
Teton, Idaho 1 $ 155,000 $ 155,000 $ 154,000
Bureau, Illinois 1 $ 105,000 $ 105,000 $ 42,000
Christian, Illinois 1 $ 15,000 $ 15,000 $ 33,000
Clark, Illinois 1 $ 15,000 $ 15,000 $ 47,000
Coles, Illinois 1 $ 25,000 $ 25,000 $ 33,000
Douglas, Illinois 1 $ 25,000 $ 25,000 $ 65,000
Edgar, Illinois 1 $ 15,000 $ 15,000 $ 55,000
Hancock, Illinois 1 $ 55,000 $ 55,000 $ 15,000
Henry, Illinois 1 $ 35,000 $ 35,000 $ 45,000
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Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2020

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 6,281 $855,175,000 $136,000 $8,755,000 $123,000 $7,530,000
Cash-out Refinancing 6,203 $1,179,525,000 $190,000 $11,805,000 $116,000 $9,761,000
Home Improvement 6,138 $582,390,000 $94,000 $6,505,000 $115,000 $9,474,000
Refinancing 4,245 $1,466,345,000 $345,000 $13,715,000 $201,000 $8,300,000
Home Purchase 3,795 $1,449,405,000 $381,000 $29,145,000 $173,000 $6,508,000
Not Applicable 2 $310,000 $155,000 $175,000 $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 19,472 $3,604,170,000 $185,000 $13,715,000 $135,000 $9,474,000
Not Provided 2,625 $974,755,000 $371,000 $11,805,000 $207,000 $6,324,000
Hispanic 2,001 $249,125,000 $124,000 $2,385,000 $92,000 $5,100,000
Black or African American 987 $113,685,000 $115,000 $10,705,000 $92,000 $2,083,000
Asian 930 $202,060,000 $217,000 $3,005,000 $162,000 $9,761,000
Not applicable 310 $323,360,000 $1,043,000 $29,145,000 $0 $0
American Indian or Alaskan Native 152 $22,020,000 $144,000 $5,005,000 $96,000 $459,000
Native Hawaiian or Other Pacific Islander 16 $2,990,000 $186,000 $575,000 $158,000 $587,000

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) 26,567 $5,517,575,000 $207,000 $29,145,000 $139,000 $9,761,000
FHA-insured (Federal Housing Administration) 97 $15,575,000 $160,000 $475,000 $58,000 $184,000
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 11,230 $2,528,960,000 $225,000 $29,145,000 $155,000 $9,761,000
Application Denied By Financial Institution 7,729 $1,197,355,000 $154,000 $10,005,000 $101,000 $9,474,000
Application Withdrawn By Applicant 3,453 $700,675,000 $202,000 $5,005,000 $158,000 $8,300,000
File Closed For Incompleteness 3,207 $663,295,000 $206,000 $10,705,000 $153,000 $5,100,000
Application Approved But Not Accepted 488 $78,220,000 $160,000 $2,365,000 $130,000 $1,245,000
Loan Purchased By The Institution 297 $259,445,000 $873,000 $1,975,000 $0 $0
Preapproval Approved but not Accepted 130 $51,710,000 $397,000 $2,005,000 $144,000 $695,000
Preapproval Denied by Financial Institution 130 $53,490,000 $411,000 $2,455,000 $126,000 $1,062,000

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 18,805 $4,282,305,000 $227,000 $29,145,000 $155,000 $9,761,000
Debt-To-Income Ratio 3,132 $664,250,000 $212,000 $10,005,000 $67,000 $2,752,000
Credit History 2,595 $260,355,000 $100,000 $5,005,000 $105,000 $9,474,000
Collateral 1,293 $178,895,000 $138,000 $4,385,000 $141,000 $3,311,000
Other 391 $52,495,000 $134,000 $1,385,000 $149,000 $7,500,000
Unverifiable Information 383 $76,875,000 $200,000 $5,585,000 $164,000 $4,998,000
Insufficient Cash (Downpayment, Closing Cost) 40 $14,260,000 $356,000 $2,005,000 $158,000 $720,000
Employment History 25 $3,715,000 $148,000 $395,000 $61,000 $272,000
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 2020 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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