BMO Harris Bank NA Mortgage Lending & HMDA Data, 2021

In 2021, BMO Harris Bank NA of Chicago, IL reported 29,518 mortgage applications totaling $6.7 billion, up 11% from 2020. The average application was for $225,917, and applicants reported an average income of $135,259. 45% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Chicago-Naperville, IL (8,124), Milwaukee-Waukesha-West Allis, WI (2,496) and Phoenix-Mesa-Scottsdale, AZ (2,170) (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 29,518
Total Mortgage Loan Application Amount $6,668,620,000
Average Mortgage Loan Application Amount $225,917
Highest Mortgage Loan Application Amount $20,965,000
Average Applicant Income $135,259
Highest Applicant Income $9,159,000

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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 4,329 $ 861,585,000 $ 199,026 $ 134,000
Maricopa, Arizona 2,035 $ 518,175,000 $ 254,631 $ 149,000
Will, Illinois 1,594 $ 202,500,000 $ 127,038 $ 106,000
DuPage, Illinois 1,477 $ 281,905,000 $ 190,863 $ 131,000
Milwaukee, Wisconsin 1,050 $ 142,020,000 $ 135,257 $ 94,000
Kane, Illinois 800 $ 103,490,000 $ 129,362 $ 110,000
Lake, Illinois 770 $ 162,500,000 $ 211,038 $ 184,000
Waukesha, Wisconsin 724 $ 154,680,000 $ 213,646 $ 152,000
McHenry, Illinois 663 $ 84,685,000 $ 127,730 $ 101,000
Marion, Indiana 590 $ 73,910,000 $ 125,271 $ 84,000
Dane, Wisconsin 584 $ 128,300,000 $ 219,691 $ 137,000
Lake, Indiana 550 $ 62,820,000 $ 114,218 $ 93,000
Hennepin, Minnesota 528 $ 117,150,000 $ 221,875 $ 167,000
Ozaukee, Wisconsin 411 $ 74,605,000 $ 181,520 $ 113,000
Brown, Wisconsin 365 $ 56,495,000 $ 154,780 $ 90,000
Hamilton, Indiana 347 $ 58,795,000 $ 169,438 $ 118,000
Washington, Wisconsin 311 $ 54,265,000 $ 174,485 $ 119,000
Winnebago, Illinois 310 $ 27,440,000 $ 88,516 $ 91,000
St. Louis, Missouri 271 $ 72,405,000 $ 267,177 $ 164,000
Racine, Wisconsin 253 $ 32,475,000 $ 128,359 $ 85,000
Morgan, Indiana 238 $ 30,700,000 $ 128,991 $ 76,000
Pima, Arizona 216 $ 43,840,000 $ 202,962 $ 118,000
Manatee, Florida 209 $ 64,675,000 $ 309,449 $ 151,000
Rock, Wisconsin 203 $ 22,615,000 $ 111,403 $ 79,000
Kenosha, Wisconsin 202 $ 28,980,000 $ 143,465 $ 87,000
Outagamie, Wisconsin 200 $ 26,230,000 $ 131,150 $ 95,000
Johnson, Kansas 198 $ 43,670,000 $ 220,555 $ 181,000
Kendall, Illinois 192 $ 21,250,000 $ 110,677 $ 101,000
Los Angeles, California 183 $ 189,465,000 $ 1,035,327 $ 373,000
Winnebago, Wisconsin 168 $ 23,750,000 $ 141,369 $ 99,000
Sauk, Wisconsin 166 $ 22,550,000 $ 135,843 $ 95,000
Johnson, Indiana 165 $ 18,975,000 $ 115,000 $ 82,000
Sheboygan, Wisconsin 165 $ 21,665,000 $ 131,303 $ 85,000
Sarasota, Florida 161 $ 59,605,000 $ 370,217 $ 189,000
Walworth, Wisconsin 160 $ 41,370,000 $ 258,562 $ 151,000
Yavapai, Arizona 153 $ 40,935,000 $ 267,549 $ 115,000
Ramsey, Minnesota 149 $ 30,865,000 $ 207,147 $ 153,000
Hendricks, Indiana 143 $ 20,615,000 $ 144,160 $ 103,000
Collier, Florida 137 $ 100,245,000 $ 731,715 $ 345,000
Oneida, Wisconsin 137 $ 21,575,000 $ 157,481 $ 109,000
Pinal, Arizona 135 $ 16,925,000 $ 125,370 $ 83,000
Dakota, Minnesota 135 $ 20,895,000 $ 154,777 $ 130,000
Portage, Wisconsin 134 $ 15,250,000 $ 113,805 $ 88,000
Howard, Indiana 132 $ 11,580,000 $ 87,727 $ 132,000
Marathon, Wisconsin 128 $ 15,010,000 $ 117,265 $ 88,000
Dodge, Wisconsin 127 $ 12,565,000 $ 98,937 $ 77,000
Fond du Lac, Wisconsin 124 $ 14,040,000 $ 113,225 $ 78,000
Lee, Florida 118 $ 40,960,000 $ 347,118 $ 193,000
Jackson, Missouri 112 $ 13,260,000 $ 118,392 $ 111,000
King, Washington 111 $ 124,955,000 $ 1,125,720 $ 209,000
Vilas, Wisconsin 103 $ 20,465,000 $ 198,689 $ 119,000
Porter, Indiana 102 $ 15,710,000 $ 154,019 $ 130,000
Hillsborough, Florida 98 $ 21,890,000 $ 223,367 $ 167,000
St. Louis City, Missouri 93 $ 11,005,000 $ 118,333 $ 86,000
Manitowoc, Wisconsin 89 $ 11,235,000 $ 126,235 $ 66,000
Anoka, Minnesota 88 $ 11,740,000 $ 133,409 $ 141,000
Columbia, Wisconsin 88 $ 12,370,000 $ 140,568 $ 115,000
Palm Beach, Florida 85 $ 56,585,000 $ 665,705 $ 257,000
Orange, California 80 $ 78,410,000 $ 980,125 $ 309,000
San Diego, California 80 $ 65,430,000 $ 817,875 $ 421,000
La Crosse, Wisconsin 78 $ 8,420,000 $ 107,948 $ 75,000
Miami-Dade, Florida 76 $ 73,180,000 $ 962,894 $ 313,000
Adams, Wisconsin 72 $ 7,480,000 $ 103,888 $ 64,000
Calumet, Wisconsin 71 $ 9,105,000 $ 128,239 $ 106,000
Lincoln, Wisconsin 68 $ 5,800,000 $ 85,294 $ 71,000
Pinellas, Florida 66 $ 15,780,000 $ 239,090 $ 162,000
Scott, Minnesota 65 $ 9,805,000 $ 150,846 $ 124,000
Santa Clara, California 63 $ 61,285,000 $ 972,777 $ 242,000
Broward, Florida 63 $ 33,655,000 $ 534,206 $ 306,000
Grundy, Illinois 61 $ 7,325,000 $ 120,081 $ 107,000
Wood, Wisconsin 61 $ 8,435,000 $ 138,278 $ 116,000
Boone, Illinois 60 $ 6,300,000 $ 105,000 $ 91,000
Jefferson, Wisconsin 60 $ 8,160,000 $ 136,000 $ 100,000
Waupaca, Wisconsin 57 $ 6,105,000 $ 107,105 $ 78,000
Washington, Minnesota 56 $ 13,940,000 $ 248,928 $ 134,000
Waushara, Wisconsin 56 $ 6,580,000 $ 117,500 $ 72,000
Boone, Indiana 55 $ 10,385,000 $ 188,818 $ 143,000
Clay, Missouri 53 $ 9,115,000 $ 171,981 $ 105,000
Riverside, California 49 $ 27,685,000 $ 565,000 $ 290,000
Oconto, Wisconsin 49 $ 6,275,000 $ 128,061 $ 103,000
Charlotte, Florida 48 $ 7,720,000 $ 160,833 $ 106,000
Fulton, Georgia 46 $ 41,010,000 $ 891,521 $ 304,000
Alameda, California 45 $ 35,785,000 $ 795,222 $ 213,000
Orange, Florida 45 $ 11,955,000 $ 265,666 $ 197,000
Jefferson, Missouri 45 $ 6,515,000 $ 144,777 $ 104,000
Marquette, Wisconsin 45 $ 4,875,000 $ 108,333 $ 72,000
Contra Costa, California 42 $ 29,270,000 $ 696,904 $ 170,000
Clark, Nevada 42 $ 14,690,000 $ 349,761 $ 197,000
Carver, Minnesota 41 $ 8,415,000 $ 205,243 $ 216,000
St. Charles, Missouri 41 $ 7,255,000 $ 176,951 $ 121,000
Chippewa, Wisconsin 41 $ 3,655,000 $ 89,146 $ 81,000
Eau Claire, Wisconsin 41 $ 6,345,000 $ 154,756 $ 78,000
Shawano, Wisconsin 41 $ 5,505,000 $ 134,268 $ 95,000
San Mateo, California 40 $ 57,560,000 $ 1,439,000 $ 1,353,000
Douglas, Wisconsin 40 $ 4,170,000 $ 104,250 $ 59,000
Bayfield, Wisconsin 38 $ 4,730,000 $ 124,473 $ 111,000
DeKalb, Illinois 37 $ 3,455,000 $ 93,378 $ 110,000
Pasco, Florida 36 $ 5,390,000 $ 149,722 $ 111,000
Wyandotte, Kansas 36 $ 4,150,000 $ 115,277 $ 63,000
Madison, Indiana 35 $ 2,725,000 $ 77,857 $ 68,000
Ashland, Wisconsin 35 $ 4,215,000 $ 120,428 $ 66,000
Hancock, Indiana 34 $ 4,050,000 $ 119,117 $ 86,000
San Francisco, California 32 $ 31,490,000 $ 984,062 $ 372,000
Iowa, Wisconsin 32 $ 5,150,000 $ 160,937 $ 89,000
Marinette, Wisconsin 32 $ 3,460,000 $ 108,125 $ 69,000
Rush, Indiana 31 $ 2,315,000 $ 74,677 $ 66,000
Door, Wisconsin 30 $ 10,400,000 $ 346,666 $ 232,000
Kewaunee, Wisconsin 29 $ 3,865,000 $ 133,275 $ 65,000
Pierce, Wisconsin 29 $ 3,675,000 $ 126,724 $ 121,000
Denver, Colorado 28 $ 22,470,000 $ 802,500 $ 415,000
St. Croix, Wisconsin 28 $ 3,120,000 $ 111,428 $ 116,000
Green Lake, Wisconsin 27 $ 4,845,000 $ 179,444 $ 111,000
St. Louis, Minnesota 26 $ 4,740,000 $ 182,307 $ 106,000
Juneau, Wisconsin 25 $ 3,055,000 $ 122,200 $ 67,000
Richland, Wisconsin 25 $ 2,835,000 $ 113,400 $ 84,000
Travis, Texas 24 $ 23,130,000 $ 963,750 $ 309,000
Fairfax, Virginia 24 $ 13,980,000 $ 582,500 $ 246,000
Middlesex, Massachusetts 23 $ 17,815,000 $ 774,565 $ 284,000
Coconino, Arizona 22 $ 9,630,000 $ 437,727 $ 163,000
Norfolk, Massachusetts 22 $ 20,660,000 $ 939,090 $ 284,000
Wright, Minnesota 22 $ 1,760,000 $ 80,000 $ 121,000
Mecklenburg, North Carolina 22 $ 6,940,000 $ 315,454 $ 110,000
Harris, Texas 22 $ 16,130,000 $ 733,181 $ 328,000
Fairfield, Connecticut 20 $ 11,140,000 $ 557,000 $ 208,000
Seminole, Florida 19 $ 2,305,000 $ 121,315 $ 131,000
LaSalle, Illinois 19 $ 1,445,000 $ 76,052 $ 86,000
LaPorte, Indiana 19 $ 2,945,000 $ 155,000 $ 101,000
Tipton, Indiana 19 $ 1,875,000 $ 98,684 $ 73,000
Berrien, Michigan 19 $ 10,315,000 $ 542,894 $ 495,000
Grant, Wisconsin 19 $ 2,175,000 $ 114,473 $ 79,000
Monroe, Wisconsin 19 $ 1,625,000 $ 85,526 $ 88,000
San Bernardino, California 18 $ 5,740,000 $ 318,888 $ 96,000
Jefferson, Colorado 18 $ 7,230,000 $ 401,666 $ 160,000
Platte, Missouri 18 $ 4,470,000 $ 248,333 $ 196,000
Montgomery, Pennsylvania 18 $ 9,660,000 $ 536,666 $ 246,000
Williamson, Tennessee 18 $ 11,820,000 $ 656,666 $ 164,000
Williamson, Texas 18 $ 5,530,000 $ 307,222 $ 180,000
Clark, Wisconsin 18 $ 2,440,000 $ 135,555 $ 83,000
Dunn, Wisconsin 18 $ 3,500,000 $ 194,444 $ 96,000
Marin, California 17 $ 14,705,000 $ 865,000 $ 249,000
Douglas, Colorado 17 $ 13,315,000 $ 783,235 $ 791,000
Polk, Florida 17 $ 2,135,000 $ 125,588 $ 91,000
Davidson, Tennessee 17 $ 11,755,000 $ 691,470 $ 247,000
Sumter, Florida 16 $ 3,210,000 $ 200,625 $ 87,000
Cobb, Georgia 16 $ 9,780,000 $ 611,250 $ 446,000
DeKalb, Georgia 16 $ 7,030,000 $ 439,375 $ 126,000
Montgomery, Maryland 16 $ 12,340,000 $ 771,250 $ 552,000
Snohomish, Washington 16 $ 6,840,000 $ 427,500 $ 267,000
Navajo, Arizona 15 $ 4,995,000 $ 333,000 $ 175,000
Placer, California 15 $ 9,645,000 $ 643,000 $ 166,000
St. Johns, Florida 15 $ 4,435,000 $ 295,666 $ 146,000
Kankakee, Illinois 15 $ 1,365,000 $ 91,000 $ 73,000
Crawford, Kansas 15 $ 965,000 $ 64,333 $ 68,000
Suffolk, Massachusetts 15 $ 12,825,000 $ 855,000 $ 1,044,000
Wake, North Carolina 15 $ 2,285,000 $ 152,333 $ 164,000
Sacramento, California 14 $ 5,530,000 $ 395,000 $ 171,000
Duval, Florida 14 $ 6,280,000 $ 448,571 $ 238,000
Marion, Florida 14 $ 1,830,000 $ 130,714 $ 100,000
Ada, Idaho 14 $ 6,590,000 $ 470,714 $ 155,000
St. Clair, Illinois 14 $ 2,630,000 $ 187,857 $ 84,000
Langlade, Wisconsin 14 $ 1,510,000 $ 107,857 $ 75,000
Vernon, Wisconsin 14 $ 1,620,000 $ 115,714 $ 108,000
District of Columbia, District Of Columbia 13 $ 10,535,000 $ 810,384 $ 212,000
Osceola, Florida 13 $ 4,035,000 $ 310,384 $ 246,000
Dallas, Texas 13 $ 9,545,000 $ 734,230 $ 183,000
Salt Lake, Utah 13 $ 4,915,000 $ 378,076 $ 138,000
Loudoun, Virginia 13 $ 7,575,000 $ 582,692 $ 182,000
Lake, Florida 12 $ 3,940,000 $ 328,333 $ 166,000
Allegheny, Pennsylvania 12 $ 2,620,000 $ 218,333 $ 122,000
Iron, Wisconsin 12 $ 2,900,000 $ 241,666 $ 209,000
Sonoma, California 11 $ 7,705,000 $ 700,454 $ 184,000
Brevard, Florida 11 $ 2,305,000 $ 209,545 $ 122,000
Volusia, Florida 11 $ 1,665,000 $ 151,363 $ 122,000
Walton, Florida 11 $ 37,675,000 $ 3,425,000 $ 1,705,000
Vigo, Indiana 11 $ 1,205,000 $ 109,545 $ 68,000
Anne Arundel, Maryland 11 $ 2,345,000 $ 213,181 $ 146,000
Oakland, Michigan 11 $ 4,655,000 $ 423,181 $ 167,000
Multnomah, Oregon 11 $ 4,975,000 $ 452,272 $ 179,000
Charleston, South Carolina 11 $ 8,195,000 $ 745,000 $ 626,000
Arapahoe, Colorado 10 $ 3,130,000 $ 313,000 $ 96,000
Boulder, Colorado 10 $ 8,190,000 $ 819,000 $ 343,000
Citrus, Florida 10 $ 1,150,000 $ 115,000 $ 79,000
Gwinnett, Georgia 10 $ 1,710,000 $ 171,000 $ 109,000
Ogle, Illinois 10 $ 1,280,000 $ 128,000 $ 95,000
Brown, Indiana 10 $ 1,490,000 $ 149,000 $ 123,000
Leavenworth, Kansas 10 $ 810,000 $ 81,000 $ 75,000
Essex, New Jersey 10 $ 4,770,000 $ 477,000 $ 204,000
Hudson, New Jersey 10 $ 2,990,000 $ 299,000 $ 224,000
Utah, Utah 10 $ 4,190,000 $ 419,000 $ 197,000
Spokane, Washington 10 $ 3,360,000 $ 336,000 $ 170,000
Sawyer, Wisconsin 10 $ 1,720,000 $ 172,000 $ 141,000
Mohave, Arizona 9 $ 2,135,000 $ 237,222 $ 112,000
El Dorado, California 9 $ 4,425,000 $ 491,666 $ 123,000
Santa Barbara, California 9 $ 7,015,000 $ 779,444 $ 398,000
Eagle, Colorado 9 $ 6,715,000 $ 746,111 $ 380,000
Indian River, Florida 9 $ 7,065,000 $ 785,000 $ 242,000
Allen, Indiana 9 $ 2,265,000 $ 251,666 $ 391,000
Essex, Massachusetts 9 $ 5,595,000 $ 621,666 $ 303,000
Allegan, Michigan 9 $ 2,685,000 $ 298,333 $ 170,000
Olmsted, Minnesota 9 $ 1,465,000 $ 162,777 $ 122,000
Buchanan, Missouri 9 $ 665,000 $ 73,888 $ 62,000
Camden, Missouri 9 $ 2,945,000 $ 327,222 $ 535,000
Monmouth, New Jersey 9 $ 2,925,000 $ 325,000 $ 489,000
Bernalillo, New Mexico 9 $ 2,835,000 $ 315,000 $ 65,000
Cochise, Arizona 8 $ 1,570,000 $ 196,250 $ 228,000
Ventura, California 8 $ 5,610,000 $ 701,250 $ 243,000
Adams, Colorado 8 $ 1,330,000 $ 166,250 $ 109,000
El Paso, Colorado 8 $ 1,690,000 $ 211,250 $ 136,000
Maui, Hawaii 8 $ 10,790,000 $ 1,348,750 $ 1,997,000
Jo Daviess, Illinois 8 $ 1,740,000 $ 217,500 $ 111,000
McLean, Illinois 8 $ 1,370,000 $ 171,250 $ 102,000
Douglas, Kansas 8 $ 1,350,000 $ 168,750 $ 131,000
Baltimore City, Maryland 8 $ 1,560,000 $ 195,000 $ 121,000
Houston, Minnesota 8 $ 1,660,000 $ 207,500 $ 102,000
Cass, Missouri 8 $ 2,160,000 $ 270,000 $ 128,000
Greene, Missouri 8 $ 1,270,000 $ 158,750 $ 270,000
Washoe, Nevada 8 $ 7,840,000 $ 980,000 $ 281,000
Washington, Oregon 8 $ 2,400,000 $ 300,000 $ 202,000
Philadelphia, Pennsylvania 8 $ 3,680,000 $ 460,000 $ 88,000
Shelby, Tennessee 8 $ 1,480,000 $ 185,000 $ 189,000
Denton, Texas 8 $ 5,700,000 $ 712,500 $ 361,000
Summit, Utah 8 $ 11,870,000 $ 1,483,750 $ 1,297,000
Clark, Washington 8 $ 2,560,000 $ 320,000 $ 132,000
Trempealeau, Wisconsin 8 $ 710,000 $ 88,750 $ 82,000
Jefferson, Alabama 7 $ 12,535,000 $ 1,790,714 $ 270,000
Nevada, California 7 $ 5,195,000 $ 742,142 $ 273,000
Santa Cruz, California 7 $ 6,445,000 $ 920,714 $ 299,000
Hawaii, Hawaii 7 $ 18,595,000 $ 2,656,428 $ 3,815,000
Grant, Indiana 7 $ 485,000 $ 69,285 $ 32,000
Miami, Indiana 7 $ 485,000 $ 69,285 $ 54,000
Monroe, Indiana 7 $ 1,455,000 $ 207,857 $ 110,000
St. Joseph, Indiana 7 $ 1,665,000 $ 237,857 $ 129,000
Baltimore, Maryland 7 $ 2,735,000 $ 390,714 $ 54,000
Barnstable, Massachusetts 7 $ 4,415,000 $ 630,714 $ 206,000
Gogebic, Michigan 7 $ 935,000 $ 133,571 $ 58,000
Bergen, New Jersey 7 $ 3,685,000 $ 526,428 $ 155,000
Cumberland, North Carolina 7 $ 1,095,000 $ 156,428 $ 186,000
Cuyahoga, Ohio 7 $ 1,735,000 $ 247,857 $ 109,000
Tarrant, Texas 7 $ 1,515,000 $ 216,428 $ 236,000
Arlington, Virginia 7 $ 5,985,000 $ 855,000 $ 153,000
Green, Wisconsin 7 $ 945,000 $ 135,000 $ 105,000
Santa Cruz, Arizona 6 $ 610,000 $ 101,666 $ 57,000
Yuma, Arizona 6 $ 1,200,000 $ 200,000 $ 135,000
San Luis Obispo, California 6 $ 5,400,000 $ 900,000 $ 130,000
Summit, Colorado 6 $ 5,490,000 $ 915,000 $ 596,000
Litchfield, Connecticut 6 $ 1,220,000 $ 203,333 $ 222,000
Clay, Florida 6 $ 890,000 $ 148,333 $ 209,000
Flagler, Florida 6 $ 720,000 $ 120,000 $ 123,000
Hernando, Florida 6 $ 480,000 $ 80,000 $ 73,000
Forsyth, Georgia 6 $ 1,470,000 $ 245,000 $ 249,000
Honolulu, Hawaii 6 $ 3,850,000 $ 641,666 $ 50,000
Kootenai, Idaho 6 $ 2,790,000 $ 465,000 $ 129,000
Clay, Indiana 6 $ 520,000 $ 86,666 $ 50,000
Newton, Indiana 6 $ 1,220,000 $ 203,333 $ 88,000
Owen, Indiana 6 $ 670,000 $ 111,666 $ 47,000
Tippecanoe, Indiana 6 $ 780,000 $ 130,000 $ 69,000
Kent, Michigan 6 $ 500,000 $ 83,333 $ 100,000
Washtenaw, Michigan 6 $ 2,410,000 $ 401,666 $ 223,000
Wayne, Michigan 6 $ 600,000 $ 100,000 $ 108,000
Rockingham, New Hampshire 6 $ 4,630,000 $ 771,666 $ 4,603,000
Buncombe, North Carolina 6 $ 2,820,000 $ 470,000 $ 132,000
Union, North Carolina 6 $ 1,890,000 $ 315,000 $ 236,000
Clackamas, Oregon 6 $ 4,150,000 $ 691,666 $ 376,000
Chester, Pennsylvania 6 $ 4,010,000 $ 668,333 $ 312,000
Beaufort, South Carolina 6 $ 5,490,000 $ 915,000 $ 92,000
Horry, South Carolina 6 $ 410,000 $ 68,333 $ 89,000
Montgomery, Texas 6 $ 1,340,000 $ 223,333 $ 206,000
Whatcom, Washington 6 $ 2,740,000 $ 456,666 $ 286,000
Barron, Wisconsin 6 $ 790,000 $ 131,666 $ 77,000
Crawford, Wisconsin 6 $ 3,110,000 $ 518,333 $ 189,000
Jackson, Wisconsin 6 $ 310,000 $ 51,666 $ 40,000
Fresno, California 5 $ 2,325,000 $ 465,000 $ 126,000
Solano, California 5 $ 2,465,000 $ 493,000 $ 89,000
Weld, Colorado 5 $ 1,495,000 $ 299,000 $ 111,000
Santa Rosa, Florida 5 $ 1,115,000 $ 223,000 $ 112,000
St. Lucie, Florida 5 $ 645,000 $ 129,000 $ 119,000
Chatham, Georgia 5 $ 695,000 $ 139,000 $ 102,000
Macon, Illinois 5 $ 495,000 $ 99,000 $ 87,000
Rock Island, Illinois 5 $ 615,000 $ 123,000 $ 152,000
Starke, Indiana 5 $ 795,000 $ 159,000 $ 98,000
Miami, Kansas 5 $ 365,000 $ 73,000 $ 93,000
Sedgwick, Kansas 5 $ 1,655,000 $ 331,000 $ 108,000
Carroll, Maryland 5 $ 485,000 $ 97,000 $ 151,000
Howard, Maryland 5 $ 1,495,000 $ 299,000 $ 193,000
Prince George's, Maryland 5 $ 255,000 $ 51,000 $ 83,000
Chisago, Minnesota 5 $ 295,000 $ 59,000 $ 62,000
Rice, Minnesota 5 $ 1,045,000 $ 209,000 $ 198,000
Clinton, Missouri 5 $ 495,000 $ 99,000 $ 90,000
Franklin, Missouri 5 $ 555,000 $ 111,000 $ 61,000
Flathead, Montana 5 $ 1,745,000 $ 349,000 $ 147,000
Gallatin, Montana 5 $ 3,465,000 $ 693,000 $ 198,000
Ocean, New Jersey 5 $ 565,000 $ 113,000 $ 109,000
Kings, New York 5 $ 1,315,000 $ 263,000 $ 132,000
Dare, North Carolina 5 $ 3,095,000 $ 619,000 $ 365,000
Durham, North Carolina 5 $ 1,345,000 $ 269,000 $ 169,000
Moore, North Carolina 5 $ 965,000 $ 193,000 $ 184,000
Orange, North Carolina 5 $ 1,865,000 $ 373,000 $ 146,000
Deschutes, Oregon 5 $ 3,615,000 $ 723,000 $ 270,000
Delaware, Pennsylvania 5 $ 2,245,000 $ 449,000 $ 244,000
Sumner, Tennessee 5 $ 3,245,000 $ 649,000 $ 55,000
Wilson, Tennessee 5 $ 1,585,000 $ 317,000 $ 126,000
Bexar, Texas 5 $ 515,000 $ 103,000 $ 84,000
Collin, Texas 5 $ 2,275,000 $ 455,000 $ 121,000
Galveston, Texas 5 $ 835,000 $ 167,000 $ 79,000
Prince William, Virginia 5 $ 255,000 $ 51,000 $ 207,000
Pierce, Washington 5 $ 2,365,000 $ 473,000 $ 106,000
Thurston, Washington 5 $ 1,885,000 $ 377,000 $ 172,000
Teton, Wyoming 5 $ 7,905,000 $ 1,581,000 $ 1,118,000
Anchorage, Alaska 4 $ 410,000 $ 102,500 $ 213,000
Monterey, California 4 $ 3,720,000 $ 930,000 $ 1,375,000
Grand, Colorado 4 $ 1,940,000 $ 485,000 $ 346,000
Larimer, Colorado 4 $ 1,640,000 $ 410,000 $ 193,000
Pitkin, Colorado 4 $ 6,840,000 $ 1,710,000 $ 531,000
Alachua, Florida 4 $ 760,000 $ 190,000 $ 264,000
Escambia, Florida 4 $ 370,000 $ 92,500 $ 70,000
Martin, Florida 4 $ 640,000 $ 160,000 $ 164,000
Monroe, Florida 4 $ 6,970,000 $ 1,742,500 $ 1,575,000
Muscogee, Georgia 4 $ 490,000 $ 122,500 $ 116,000
Lee, Illinois 4 $ 240,000 $ 60,000 $ 93,000
Madison, Illinois 4 $ 590,000 $ 147,500 $ 83,000
Sangamon, Illinois 4 $ 1,380,000 $ 345,000 $ 95,000
Fayette, Indiana 4 $ 210,000 $ 52,500 $ 33,000
Jasper, Indiana 4 $ 370,000 $ 92,500 $ 139,000
Putnam, Indiana 4 $ 530,000 $ 132,500 $ 64,000
Shelby, Indiana 4 $ 750,000 $ 187,500 $ 77,000
Wayne, Indiana 4 $ 380,000 $ 95,000 $ 88,000
Worcester, Massachusetts 4 $ 2,540,000 $ 635,000 $ 14,000
Macomb, Michigan 4 $ 180,000 $ 45,000 $ 94,000
Ottawa, Michigan 4 $ 2,360,000 $ 590,000 $ 253,000
Van Buren, Michigan 4 $ 2,340,000 $ 585,000 $ 125,000
Crow Wing, Minnesota 4 $ 1,720,000 $ 430,000 $ 280,000
Goodhue, Minnesota 4 $ 330,000 $ 82,500 $ 99,000
Sherburne, Minnesota 4 $ 670,000 $ 167,500 $ 132,000
Andrew, Missouri 4 $ 540,000 $ 135,000 $ 88,000
Boone, Missouri 4 $ 1,870,000 $ 467,500 $ 230,000
Christian, Missouri 4 $ 440,000 $ 110,000 $ 130,000
Middlesex, New Jersey 4 $ 1,120,000 $ 280,000 $ 146,000
Santa Fe, New Mexico 4 $ 3,800,000 $ 950,000 $ 278,000
Brunswick, North Carolina 4 $ 1,760,000 $ 440,000 $ 101,000
Forsyth, North Carolina 4 $ 380,000 $ 95,000 $ 67,000
New Hanover, North Carolina 4 $ 1,430,000 $ 357,500 $ 89,000
Franklin, Ohio 4 $ 200,000 $ 50,000 $ 180,000
Hamilton, Ohio 4 $ 1,080,000 $ 270,000 $ 221,000
Stark, Ohio 4 $ 110,000 $ 27,500 $ 77,000
Oklahoma, Oklahoma 4 $ 1,100,000 $ 275,000 $ 205,000
Tulsa, Oklahoma 4 $ 880,000 $ 220,000 $ 197,000
Tillamook, Oregon 4 $ 1,400,000 $ 350,000 $ 43,000
Bucks, Pennsylvania 4 $ 2,440,000 $ 610,000 $ 590,000
Butler, Pennsylvania 4 $ 1,250,000 $ 312,500 $ 137,000
Berkeley, South Carolina 4 $ 1,340,000 $ 335,000 $ 132,000
Montgomery, Tennessee 4 $ 1,150,000 $ 287,500 $ 93,000
Hays, Texas 4 $ 1,200,000 $ 300,000 $ 126,000
Washington, Utah 4 $ 1,350,000 $ 337,500 $ 198,000
Virginia Beach, Virginia 4 $ 1,570,000 $ 392,500 $ 111,000
Kitsap, Washington 4 $ 1,620,000 $ 405,000 $ 60,000
Buffalo, Wisconsin 4 $ 460,000 $ 115,000 $ 142,000
Forest, Wisconsin 4 $ 710,000 $ 177,500 $ 50,000
Price, Wisconsin 4 $ 520,000 $ 130,000 $ 122,000
Madison, Alabama 3 $ 1,595,000 $ 531,666 $ 90,000
Apache, Arizona 3 $ 1,425,000 $ 475,000 $ 179,000
Craighead, Arkansas 3 $ 95,000 $ 31,666 $ 57,000
Garland, Arkansas 3 $ 55,000 $ 18,333 $ 31,000
San Joaquin, California 3 $ 955,000 $ 318,333 $ 115,000
Park, Colorado 3 $ 335,000 $ 111,666 $ 119,000
Hartford, Connecticut 3 $ 1,385,000 $ 461,666 $ 242,000
New Castle, Delaware 3 $ 635,000 $ 211,666 $ 124,000
Bay, Florida 3 $ 965,000 $ 321,666 $ 145,000
Leon, Florida 3 $ 1,815,000 $ 605,000 $ 229,000
Cherokee, Georgia 3 $ 265,000 $ 88,333 $ 122,000
Douglas, Georgia 3 $ 355,000 $ 118,333 $ 33,000
Canyon, Idaho 3 $ 1,355,000 $ 451,666 $ 90,000
Carroll, Illinois 3 $ 435,000 $ 145,000 $ 93,000
Henry, Illinois 3 $ 75,000 $ 25,000 $ 89,000
Peoria, Illinois 3 $ 325,000 $ 108,333 $ 57,000
Williamson, Illinois 3 $ 305,000 $ 101,666 $ 58,000
Elkhart, Indiana 3 $ 765,000 $ 255,000 $ 82,000
Jennings, Indiana 3 $ 235,000 $ 78,333 $ 16,000
Marshall, Indiana 3 $ 145,000 $ 48,333 $ 52,000
Parke, Indiana 3 $ 685,000 $ 228,333 $ 218,000
Clayton, Iowa 3 $ 535,000 $ 178,333 $ 54,000
Polk, Iowa 3 $ 1,235,000 $ 411,666 $ 251,000
Jefferson, Kentucky 3 $ 605,000 $ 201,666 $ 94,000
Jefferson, Louisiana 3 $ 1,185,000 $ 395,000 $ 282,000
Cumberland, Maine 3 $ 1,885,000 $ 628,333 $ 344,000
Frederick, Maryland 3 $ 195,000 $ 65,000 $ 144,000
Cass, Michigan 3 $ 535,000 $ 178,333 $ 78,000
Charlevoix, Michigan 3 $ 1,415,000 $ 471,666 $ 0
Marquette, Michigan 3 $ 705,000 $ 235,000 $ 239,000
St. Joseph, Michigan 3 $ 2,235,000 $ 745,000 $ 568,000
Carlton, Minnesota 3 $ 615,000 $ 205,000 $ 586,000
Cass, Minnesota 3 $ 965,000 $ 321,666 $ 164,000
Clearwater, Minnesota 3 $ 355,000 $ 118,333 $ 133,000
Douglas, Minnesota 3 $ 595,000 $ 198,333 $ 57,000
Mille Lacs, Minnesota 3 $ 215,000 $ 71,666 $ 60,000
Mower, Minnesota 3 $ 135,000 $ 45,000 $ 74,000
Pine, Minnesota 3 $ 275,000 $ 91,666 $ 74,000
Wabasha, Minnesota 3 $ 665,000 $ 221,666 $ 55,000
Gasconade, Missouri 3 $ 255,000 $ 85,000 $ 58,000
Madison, Montana 3 $ 5,325,000 $ 1,775,000 $ 1,434,000
Burlington, New Jersey 3 $ 1,105,000 $ 368,333 $ 36,000
Camden, New Jersey 3 $ 145,000 $ 48,333 $ 358,000
Hunterdon, New Jersey 3 $ 325,000 $ 108,333 $ 109,000
Mercer, New Jersey 3 $ 2,975,000 $ 991,666 $ 464,000
Morris, New Jersey 3 $ 2,245,000 $ 748,333 $ 154,000
Passaic, New Jersey 3 $ 295,000 $ 98,333 $ 187,000
Union, New Jersey 3 $ 1,735,000 $ 578,333 $ 299,000
Sandoval, New Mexico 3 $ 805,000 $ 268,333 $ 162,000
Nassau, New York 3 $ 325,000 $ 108,333 $ 192,000
Queens, New York 3 $ 325,000 $ 108,333 $ 348,000
Suffolk, New York 3 $ 1,335,000 $ 445,000 $ 340,000
Catawba, North Carolina 3 $ 1,205,000 $ 401,666 $ 87,000
Henderson, North Carolina 3 $ 1,325,000 $ 441,666 $ 7,000
Comanche, Oklahoma 3 $ 365,000 $ 121,666 $ 55,000
Lehigh, Pennsylvania 3 $ 575,000 $ 191,666 $ 48,000
Westmoreland, Pennsylvania 3 $ 75,000 $ 25,000 $ 41,000
Greenville, South Carolina 3 $ 205,000 $ 68,333 $ 128,000
Lexington, South Carolina 3 $ 415,000 $ 138,333 $ 201,000
Spartanburg, South Carolina 3 $ 925,000 $ 308,333 $ 60,000
York, South Carolina 3 $ 895,000 $ 298,333 $ 186,000
Lincoln, South Dakota 3 $ 695,000 $ 231,666 $ 122,000
Knox, Tennessee 3 $ 1,305,000 $ 435,000 $ 67,000
Skagit, Washington 3 $ 925,000 $ 308,333 $ 169,000
Jefferson, West Virginia 3 $ 75,000 $ 25,000 $ 104,000
Florence, Wisconsin 3 $ 405,000 $ 135,000 $ 110,000
Menominee, Wisconsin 3 $ 165,000 $ 55,000 $ 73,000
Pepin, Wisconsin 3 $ 525,000 $ 175,000 $ 173,000
Rusk, Wisconsin 3 $ 995,000 $ 331,666 $ 224,000
Baldwin, Alabama 2 $ 930,000 $ 465,000 $ 578,000
Jackson, Alabama 2 $ 240,000 $ 120,000 $ 123,000
Mobile, Alabama 2 $ 40,000 $ 20,000 $ 53,000
Montgomery, Alabama 2 $ 230,000 $ 115,000 $ 117,000
Walker, Alabama 2 $ 190,000 $ 95,000 $ 120,000
Matanuska-Susitna, Alaska 2 $ 70,000 $ 35,000 $ 175,000
Gila, Arizona 2 $ 850,000 $ 425,000 $ 242,000
Crittenden, Arkansas 2 $ 120,000 $ 60,000 $ 39,000
Faulkner, Arkansas 2 $ 970,000 $ 485,000 $ 47,000
Kern, California 2 $ 140,000 $ 70,000 $ 112,000
Madera, California 2 $ 230,000 $ 115,000 $ 146,000
Napa, California 2 $ 2,230,000 $ 1,115,000 $ 4,000
Gunnison, Colorado 2 $ 790,000 $ 395,000 $ 36,000
La Plata, Colorado 2 $ 590,000 $ 295,000 $ 211,000
Pueblo, Colorado 2 $ 170,000 $ 85,000 $ 98,000
Middlesex, Connecticut 2 $ 130,000 $ 65,000 $ 296,000
New Haven, Connecticut 2 $ 70,000 $ 35,000 $ 49,000
Sussex, Delaware 2 $ 1,420,000 $ 710,000 $ 0
Highlands, Florida 2 $ 140,000 $ 70,000 $ 67,000
Nassau, Florida 2 $ 1,190,000 $ 595,000 $ 337,000
Greene, Georgia 2 $ 1,570,000 $ 785,000 $ 216,000
Henry, Georgia 2 $ 420,000 $ 210,000 $ 73,000
Houston, Georgia 2 $ 540,000 $ 270,000 $ 241,000
Newton, Georgia 2 $ 280,000 $ 140,000 $ 64,000
Towns, Georgia 2 $ 290,000 $ 145,000 $ 45,000
Walker, Georgia 2 $ 330,000 $ 165,000 $ 112,000
Walton, Georgia 2 $ 70,000 $ 35,000 $ 89,000
White, Georgia 2 $ 100,000 $ 50,000 $ 29,000
Bonner, Idaho 2 $ 340,000 $ 170,000 $ 213,000
Adams, Illinois 2 $ 590,000 $ 295,000 $ 156,000
Franklin, Illinois 2 $ 140,000 $ 70,000 $ 72,000
Jefferson, Illinois 2 $ 130,000 $ 65,000 $ 66,000
Marion, Illinois 2 $ 150,000 $ 75,000 $ 64,000
Marshall, Illinois 2 $ 160,000 $ 80,000 $ 97,000
Shelby, Illinois 2 $ 110,000 $ 55,000 $ 282,000
Stephenson, Illinois 2 $ 90,000 $ 45,000 $ 38,000
Tazewell, Illinois 2 $ 340,000 $ 170,000 $ 65,000
Bartholomew, Indiana 2 $ 110,000 $ 55,000 $ 113,000
Clark, Indiana 2 $ 110,000 $ 55,000 $ 50,000
Clinton, Indiana 2 $ 1,050,000 $ 525,000 $ 222,000
Vanderburgh, Indiana 2 $ 40,000 $ 20,000 $ 18,000
Wabash, Indiana 2 $ 50,000 $ 25,000 $ 70,000
White, Indiana 2 $ 250,000 $ 125,000 $ 68,000
Whitley, Indiana 2 $ 350,000 $ 175,000 $ 77,000
Allamakee, Iowa 2 $ 150,000 $ 75,000 $ 38,000
Woodbury, Iowa 2 $ 60,000 $ 30,000 $ 61,000
Atchison, Kansas 2 $ 320,000 $ 160,000 $ 110,000
Daviess, Kentucky 2 $ 230,000 $ 115,000 $ 110,000
Fayette, Kentucky 2 $ 1,160,000 $ 580,000 $ 107,000
Kenton, Kentucky 2 $ 60,000 $ 30,000 $ 124,000
Simpson, Kentucky 2 $ 320,000 $ 160,000 $ 115,000
Spencer, Kentucky 2 $ 50,000 $ 25,000 $ 73,000
East Baton Rouge, Louisiana 2 $ 50,000 $ 25,000 $ 77,000
Lafayette, Louisiana 2 $ 210,000 $ 105,000 $ 74,000
Orleans, Louisiana 2 $ 670,000 $ 335,000 $ 226,000
Harford, Maryland 2 $ 310,000 $ 155,000 $ 296,000
Bristol, Massachusetts 2 $ 100,000 $ 50,000 $ 123,000
Hampden, Massachusetts 2 $ 190,000 $ 95,000 $ 97,000
Plymouth, Massachusetts 2 $ 2,760,000 $ 1,380,000 $ 0
Iron, Michigan 2 $ 240,000 $ 120,000 $ 57,000
Kalamazoo, Michigan 2 $ 710,000 $ 355,000 $ 210,000
Keweenaw, Michigan 2 $ 190,000 $ 95,000 $ 37,000
Livingston, Michigan 2 $ 460,000 $ 230,000 $ 233,000
Manistee, Michigan 2 $ 280,000 $ 140,000 $ 61,000
Mecosta, Michigan 2 $ 70,000 $ 35,000 $ 107,000
Saginaw, Michigan 2 $ 50,000 $ 25,000 $ 21,000
Schoolcraft, Michigan 2 $ 280,000 $ 140,000 $ 21,000
Jackson, Minnesota 2 $ 80,000 $ 40,000 $ 111,000
Kandiyohi, Minnesota 2 $ 760,000 $ 380,000 $ 477,000
Koochiching, Minnesota 2 $ 350,000 $ 175,000 $ 93,000
Lake, Minnesota 2 $ 410,000 $ 205,000 $ 30,000
McLeod, Minnesota 2 $ 230,000 $ 115,000 $ 49,000
Morrison, Minnesota 2 $ 130,000 $ 65,000 $ 27,000
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Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2021

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
Home Improvement 8,022 $812,700,000 $101,000 $4,555,000 $122,000 $3,734,000
Other Purpose 6,829 $1,056,775,000 $154,000 $10,005,000 $128,000 $6,473,000
Cash-out Refinancing 6,747 $1,388,785,000 $205,000 $10,325,000 $107,000 $8,727,000
Home Purchase 4,236 $2,004,160,000 $473,000 $15,505,000 $186,000 $9,159,000
Refinancing 3,684 $1,406,200,000 $381,000 $20,965,000 $171,000 $8,727,000
Not Applicable 0 $0 $0 $0 $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 20,134 $3,697,740,000 $183,000 $11,925,000 $128,000 $9,159,000
Not Provided 3,217 $1,158,825,000 $360,000 $15,505,000 $212,000 $8,727,000
Hispanic 2,406 $290,950,000 $120,000 $1,205,000 $86,000 $6,473,000
Black or African American 1,195 $146,575,000 $122,000 $9,995,000 $97,000 $2,650,000
Asian 1,105 $229,695,000 $207,000 $2,525,000 $154,000 $5,600,000
Not applicable 1,004 $1,052,200,000 $1,048,000 $20,965,000 $0 $0
American Indian or Alaskan Native 159 $18,355,000 $115,000 $965,000 $103,000 $806,000
Native Hawaiian or Other Pacific Islander 20 $5,490,000 $274,000 $3,005,000 $117,000 $498,000

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) 29,414 $6,649,810,000 $226,000 $20,965,000 $134,000 $9,159,000
FHA-insured (Federal Housing Administration) 104 $18,810,000 $180,000 $595,000 $61,000 $264,000
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 13,303 $3,072,145,000 $230,000 $20,965,000 $147,000 $9,159,000
Application Denied By Financial Institution 7,950 $1,161,550,000 $146,000 $9,995,000 $98,000 $6,473,000
File Closed For Incompleteness 3,328 $607,290,000 $182,000 $8,205,000 $155,000 $6,240,000
Application Withdrawn By Applicant 3,085 $641,585,000 $207,000 $6,785,000 $153,000 $8,250,000
Loan Purchased By The Institution 987 $949,705,000 $962,000 $1,985,000 $0 $0
Application Approved But Not Accepted 464 $76,050,000 $163,000 $3,205,000 $126,000 $2,347,000
Preapproval Denied by Financial Institution 262 $98,220,000 $374,000 $3,005,000 $100,000 $1,702,000
Preapproval Approved but not Accepted 139 $62,075,000 $446,000 $1,845,000 $153,000 $805,000

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 21,306 $5,408,850,000 $253,000 $20,965,000 $149,000 $9,159,000
Debt-To-Income Ratio 3,106 $629,350,000 $202,000 $9,005,000 $60,000 $1,149,000
Credit History 2,970 $303,000,000 $102,000 $9,995,000 $109,000 $6,473,000
Collateral 1,387 $190,175,000 $137,000 $3,005,000 $137,000 $2,067,000
Unverifiable Information 389 $72,915,000 $187,000 $1,205,000 $134,000 $2,299,000
Other 293 $45,405,000 $154,000 $1,685,000 $139,000 $2,500,000
Insufficient Cash (Downpayment, Closing Cost) 41 $13,115,000 $319,000 $1,715,000 $113,000 $630,000
Employment History 26 $5,810,000 $223,000 $685,000 $56,000 $203,000
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 2021 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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