BMO Harris Bank NA Mortgage Lending & HMDA Data, 2022

In 2022, BMO Harris Bank NA of Chicago, IL reported 29,061 mortgage applications totaling $7.2 billion, down 2% from 2021. The average application was for $249,392, and applicants reported an average income of $145,265. 47% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Chicago-Naperville, IL (7,655), Phoenix-Mesa-Scottsdale, AZ (2,645) and Milwaukee-Waukesha-West Allis, WI (2,344) (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 29,061
Total Mortgage Loan Application Amount $7,247,595,000
Average Mortgage Loan Application Amount $249,392
Highest Mortgage Loan Application Amount $88,005,000
Average Applicant Income $145,265
Highest Applicant Income $9,307,000

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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cook, Illinois 4,323 $ 928,555,000 $ 214,794 $ 136,000
Maricopa, Arizona 2,466 $ 770,825,000 $ 312,581 $ 163,000
Will, Illinois 1,381 $ 160,375,000 $ 116,129 $ 112,000
DuPage, Illinois 1,228 $ 213,860,000 $ 174,153 $ 141,000
Milwaukee, Wisconsin 1,173 $ 156,245,000 $ 133,201 $ 94,000
Kane, Illinois 818 $ 95,430,000 $ 116,662 $ 108,000
Lake, Illinois 701 $ 137,275,000 $ 195,827 $ 166,000
McHenry, Illinois 664 $ 80,330,000 $ 120,978 $ 121,000
Waukesha, Wisconsin 664 $ 127,190,000 $ 191,551 $ 144,000
Marion, Indiana 545 $ 65,665,000 $ 120,486 $ 106,000
Lake, Indiana 532 $ 54,100,000 $ 101,691 $ 88,000
Dane, Wisconsin 480 $ 102,280,000 $ 213,083 $ 145,000
Hennepin, Minnesota 424 $ 158,500,000 $ 373,820 $ 158,000
Hamilton, Indiana 368 $ 63,800,000 $ 173,369 $ 138,000
Brown, Wisconsin 354 $ 43,460,000 $ 122,768 $ 91,000
Winnebago, Illinois 313 $ 23,625,000 $ 75,479 $ 78,000
Ozaukee, Wisconsin 287 $ 51,845,000 $ 180,644 $ 124,000
Racine, Wisconsin 255 $ 29,745,000 $ 116,647 $ 85,000
Pima, Arizona 252 $ 49,570,000 $ 196,706 $ 141,000
Manatee, Florida 229 $ 62,285,000 $ 271,986 $ 152,000
St. Louis, Missouri 228 $ 48,210,000 $ 211,447 $ 145,000
Washington, Wisconsin 220 $ 34,400,000 $ 156,363 $ 124,000
Morgan, Indiana 209 $ 25,535,000 $ 122,177 $ 78,000
Kenosha, Wisconsin 205 $ 26,965,000 $ 131,536 $ 115,000
Rock, Wisconsin 187 $ 17,575,000 $ 93,983 $ 69,000
Outagamie, Wisconsin 183 $ 25,765,000 $ 140,792 $ 103,000
Pinal, Arizona 179 $ 29,735,000 $ 166,117 $ 114,000
Kendall, Illinois 178 $ 17,990,000 $ 101,067 $ 107,000
Johnson, Kansas 178 $ 39,890,000 $ 224,101 $ 138,000
Hendricks, Indiana 168 $ 25,300,000 $ 150,595 $ 103,000
Los Angeles, California 163 $ 182,275,000 $ 1,118,251 $ 357,000
Yavapai, Arizona 160 $ 36,240,000 $ 226,500 $ 106,000
Sheboygan, Wisconsin 159 $ 17,445,000 $ 109,716 $ 92,000
Winnebago, Wisconsin 155 $ 18,385,000 $ 118,612 $ 99,000
Sarasota, Florida 153 $ 48,795,000 $ 318,921 $ 158,000
Collier, Florida 152 $ 93,840,000 $ 617,368 $ 339,000
Johnson, Indiana 146 $ 17,970,000 $ 123,082 $ 87,000
Walworth, Wisconsin 142 $ 42,370,000 $ 298,380 $ 238,000
Hillsborough, Florida 137 $ 30,065,000 $ 219,452 $ 139,000
Lee, Florida 125 $ 38,865,000 $ 310,920 $ 184,000
Marathon, Wisconsin 123 $ 15,155,000 $ 123,211 $ 105,000
Howard, Indiana 120 $ 10,320,000 $ 86,000 $ 78,000
Sauk, Wisconsin 117 $ 13,805,000 $ 117,991 $ 82,000
Dakota, Minnesota 116 $ 16,290,000 $ 140,431 $ 141,000
Oneida, Wisconsin 116 $ 15,470,000 $ 133,362 $ 95,000
Dodge, Wisconsin 111 $ 11,495,000 $ 103,558 $ 76,000
Porter, Indiana 105 $ 12,335,000 $ 117,476 $ 100,000
Jackson, Missouri 105 $ 15,515,000 $ 147,761 $ 129,000
Fond du Lac, Wisconsin 100 $ 9,930,000 $ 99,300 $ 84,000
St. Louis City, Missouri 96 $ 12,250,000 $ 127,604 $ 95,000
Palm Beach, Florida 94 $ 76,900,000 $ 818,085 $ 358,000
Adams, Wisconsin 92 $ 7,910,000 $ 85,978 $ 68,000
Miami-Dade, Florida 88 $ 66,630,000 $ 757,159 $ 277,000
Anoka, Minnesota 86 $ 8,800,000 $ 102,325 $ 107,000
Ramsey, Minnesota 83 $ 18,925,000 $ 228,012 $ 174,000
Vilas, Wisconsin 81 $ 13,845,000 $ 170,925 $ 106,000
Broward, Florida 78 $ 38,840,000 $ 497,948 $ 232,000
San Diego, California 77 $ 122,315,000 $ 1,588,506 $ 333,000
Portage, Wisconsin 76 $ 9,770,000 $ 128,552 $ 74,000
Pinellas, Florida 75 $ 19,645,000 $ 261,933 $ 178,000
La Crosse, Wisconsin 72 $ 6,220,000 $ 86,388 $ 90,000
Scott, Minnesota 69 $ 10,505,000 $ 152,246 $ 143,000
Wood, Wisconsin 68 $ 14,520,000 $ 213,529 $ 261,000
Boone, Illinois 67 $ 7,215,000 $ 107,686 $ 92,000
Columbia, Wisconsin 66 $ 9,660,000 $ 146,363 $ 88,000
Grundy, Illinois 59 $ 4,635,000 $ 78,559 $ 100,000
Washington, Minnesota 59 $ 8,945,000 $ 151,610 $ 150,000
St. Charles, Missouri 58 $ 7,860,000 $ 135,517 $ 135,000
Manitowoc, Wisconsin 58 $ 6,500,000 $ 112,068 $ 83,000
Clay, Missouri 56 $ 11,810,000 $ 210,892 $ 150,000
Douglas, Wisconsin 56 $ 4,900,000 $ 87,500 $ 57,000
Oconto, Wisconsin 56 $ 7,390,000 $ 131,964 $ 82,000
Boone, Indiana 55 $ 12,925,000 $ 235,000 $ 261,000
Clark, Nevada 52 $ 19,800,000 $ 380,769 $ 189,000
King, Washington 52 $ 40,140,000 $ 771,923 $ 283,000
Calumet, Wisconsin 52 $ 7,160,000 $ 137,692 $ 102,000
Eau Claire, Wisconsin 52 $ 6,960,000 $ 133,846 $ 131,000
Jefferson, Wisconsin 51 $ 6,855,000 $ 134,411 $ 99,000
Orange, Florida 50 $ 24,190,000 $ 483,800 $ 323,000
Orange, California 49 $ 42,215,000 $ 861,530 $ 383,000
Carver, Minnesota 48 $ 7,530,000 $ 156,875 $ 156,000
Lincoln, Wisconsin 48 $ 3,880,000 $ 80,833 $ 75,000
Waupaca, Wisconsin 47 $ 4,975,000 $ 105,851 $ 66,000
Charlotte, Florida 46 $ 6,790,000 $ 147,608 $ 100,000
Juneau, Wisconsin 46 $ 5,030,000 $ 109,347 $ 149,000
Marinette, Wisconsin 46 $ 4,720,000 $ 102,608 $ 72,000
Wyandotte, Kansas 45 $ 5,755,000 $ 127,888 $ 90,000
Waushara, Wisconsin 45 $ 6,065,000 $ 134,777 $ 86,000
Coconino, Arizona 43 $ 15,775,000 $ 366,860 $ 212,000
Riverside, California 40 $ 33,700,000 $ 842,500 $ 411,000
Hancock, Indiana 40 $ 5,800,000 $ 145,000 $ 117,000
Travis, Texas 40 $ 87,690,000 $ 2,192,250 $ 361,000
Marquette, Wisconsin 40 $ 4,080,000 $ 102,000 $ 60,000
Shawano, Wisconsin 40 $ 4,050,000 $ 101,250 $ 78,000
Pasco, Florida 36 $ 5,660,000 $ 157,222 $ 124,000
Madison, Indiana 36 $ 3,170,000 $ 88,055 $ 77,000
Chippewa, Wisconsin 35 $ 4,955,000 $ 141,571 $ 68,000
Williamson, Texas 34 $ 16,340,000 $ 480,588 $ 262,000
St. Louis, Minnesota 33 $ 5,535,000 $ 167,727 $ 160,000
DeKalb, Illinois 32 $ 3,470,000 $ 108,437 $ 99,000
Jefferson, Missouri 32 $ 4,640,000 $ 145,000 $ 89,000
Iowa, Wisconsin 32 $ 3,250,000 $ 101,562 $ 66,000
Ashland, Wisconsin 31 $ 3,595,000 $ 115,967 $ 106,000
Harris, Texas 30 $ 17,510,000 $ 583,666 $ 267,000
Bayfield, Wisconsin 30 $ 4,000,000 $ 133,333 $ 69,000
Denver, Colorado 29 $ 24,765,000 $ 853,965 $ 293,000
Fulton, Georgia 29 $ 17,390,000 $ 599,655 $ 292,000
Dallas, Texas 29 $ 59,065,000 $ 2,036,724 $ 500,000
St. Croix, Wisconsin 29 $ 3,805,000 $ 131,206 $ 120,000
Collin, Texas 28 $ 17,470,000 $ 623,928 $ 285,000
Duval, Florida 26 $ 5,330,000 $ 205,000 $ 141,000
Kankakee, Illinois 26 $ 1,620,000 $ 62,307 $ 94,000
Dunn, Wisconsin 26 $ 4,870,000 $ 187,307 $ 94,000
LaPorte, Indiana 25 $ 4,275,000 $ 171,000 $ 105,000
Green Lake, Wisconsin 25 $ 4,075,000 $ 163,000 $ 65,000
Contra Costa, California 24 $ 20,050,000 $ 835,416 $ 273,000
Sacramento, California 24 $ 18,350,000 $ 764,583 $ 285,000
Santa Clara, California 24 $ 22,120,000 $ 921,666 $ 387,000
San Mateo, California 23 $ 26,145,000 $ 1,136,739 $ 456,000
Tipton, Indiana 23 $ 2,105,000 $ 91,521 $ 70,000
Wright, Minnesota 23 $ 2,395,000 $ 104,130 $ 138,000
Williamson, Tennessee 23 $ 23,295,000 $ 1,012,826 $ 346,000
Door, Wisconsin 23 $ 12,305,000 $ 535,000 $ 243,000
Alameda, California 22 $ 20,500,000 $ 931,818 $ 278,000
Polk, Florida 21 $ 3,655,000 $ 174,047 $ 124,000
Seminole, Florida 21 $ 3,535,000 $ 168,333 $ 179,000
Mecklenburg, North Carolina 21 $ 18,145,000 $ 864,047 $ 230,000
Kewaunee, Wisconsin 21 $ 2,555,000 $ 121,666 $ 118,000
Richland, Wisconsin 21 $ 1,885,000 $ 89,761 $ 68,000
St. Johns, Florida 20 $ 9,010,000 $ 450,500 $ 221,000
Rush, Indiana 20 $ 1,070,000 $ 53,500 $ 40,000
San Bernardino, California 19 $ 8,845,000 $ 465,526 $ 212,000
San Francisco, California 19 $ 23,255,000 $ 1,223,947 $ 334,000
Sherburne, Minnesota 19 $ 1,825,000 $ 96,052 $ 136,000
Multnomah, Oregon 19 $ 12,525,000 $ 659,210 $ 269,000
Salt Lake, Utah 19 $ 13,505,000 $ 710,789 $ 217,000
Clark, Wisconsin 19 $ 1,535,000 $ 80,789 $ 81,000
Grant, Wisconsin 19 $ 2,435,000 $ 128,157 $ 108,000
Navajo, Arizona 18 $ 4,360,000 $ 242,222 $ 218,000
Cobb, Georgia 18 $ 67,180,000 $ 3,732,222 $ 235,000
Fresno, California 17 $ 9,615,000 $ 565,588 $ 311,000
Lake, Florida 17 $ 10,865,000 $ 639,117 $ 429,000
Madison, Illinois 17 $ 705,000 $ 41,470 $ 119,000
St. Clair, Illinois 17 $ 1,245,000 $ 73,235 $ 119,000
Crawford, Kansas 17 $ 1,035,000 $ 60,882 $ 68,000
Cuyahoga, Ohio 17 $ 6,815,000 $ 400,882 $ 276,000
Fairfax, Virginia 17 $ 12,775,000 $ 751,470 $ 313,000
Buchanan, Missouri 16 $ 1,190,000 $ 74,375 $ 62,000
Tarrant, Texas 16 $ 8,750,000 $ 546,875 $ 731,000
Green, Wisconsin 16 $ 1,440,000 $ 90,000 $ 103,000
Arapahoe, Colorado 15 $ 7,175,000 $ 478,333 $ 226,000
Douglas, Colorado 15 $ 13,035,000 $ 869,000 $ 361,000
Jefferson, Colorado 15 $ 10,735,000 $ 715,666 $ 220,000
Osceola, Florida 15 $ 4,185,000 $ 279,000 $ 157,000
DeKalb, Georgia 15 $ 8,715,000 $ 581,000 $ 200,000
LaSalle, Illinois 15 $ 1,645,000 $ 109,666 $ 78,000
Middlesex, Massachusetts 15 $ 10,445,000 $ 696,333 $ 254,000
Berrien, Michigan 15 $ 12,125,000 $ 808,333 $ 572,000
Beaufort, South Carolina 15 $ 25,555,000 $ 1,703,666 $ 632,000
Charleston, South Carolina 15 $ 11,515,000 $ 767,666 $ 322,000
Davidson, Tennessee 15 $ 5,375,000 $ 358,333 $ 229,000
Placer, California 14 $ 11,580,000 $ 827,142 $ 277,000
Ventura, California 14 $ 13,010,000 $ 929,285 $ 354,000
Brevard, Florida 14 $ 3,380,000 $ 241,428 $ 135,000
Volusia, Florida 14 $ 6,280,000 $ 448,571 $ 1,073,000
Franklin, Ohio 14 $ 3,480,000 $ 248,571 $ 182,000
Snohomish, Washington 14 $ 7,430,000 $ 530,714 $ 202,000
Pierce, Wisconsin 14 $ 2,700,000 $ 192,857 $ 142,000
St. Lucie, Florida 13 $ 1,695,000 $ 130,384 $ 131,000
Bexar, Texas 13 $ 8,735,000 $ 671,923 $ 331,000
El Paso, Colorado 12 $ 7,120,000 $ 593,333 $ 228,000
Oakland, Michigan 12 $ 5,830,000 $ 485,833 $ 294,000
Montgomery, Texas 12 $ 5,180,000 $ 431,666 $ 220,000
Pierce, Washington 12 $ 6,090,000 $ 507,500 $ 152,000
Sedgwick, Kansas 11 $ 3,915,000 $ 355,909 $ 224,000
Montgomery, Maryland 11 $ 10,205,000 $ 927,727 $ 1,719,000
Wayne, Michigan 11 $ 1,115,000 $ 101,363 $ 116,000
Rice, Minnesota 11 $ 885,000 $ 80,454 $ 91,000
Boone, Missouri 11 $ 2,685,000 $ 244,090 $ 140,000
Platte, Missouri 11 $ 3,675,000 $ 334,090 $ 190,000
Bernalillo, New Mexico 11 $ 4,575,000 $ 415,909 $ 178,000
Walton, Florida 10 $ 5,580,000 $ 558,000 $ 445,000
Ogle, Illinois 10 $ 650,000 $ 65,000 $ 137,000
Putnam, Indiana 10 $ 1,600,000 $ 160,000 $ 92,000
Shelby, Indiana 10 $ 650,000 $ 65,000 $ 63,000
Macomb, Michigan 10 $ 2,430,000 $ 243,000 $ 116,000
New York, New York 10 $ 17,360,000 $ 1,736,000 $ 524,000
Wake, North Carolina 10 $ 3,050,000 $ 305,000 $ 150,000
Denton, Texas 10 $ 10,990,000 $ 1,099,000 $ 872,000
Spokane, Washington 10 $ 7,160,000 $ 716,000 $ 334,000
Mohave, Arizona 9 $ 1,965,000 $ 218,333 $ 154,000
Marin, California 9 $ 10,915,000 $ 1,212,777 $ 503,000
Santa Barbara, California 9 $ 5,895,000 $ 655,000 $ 258,000
Sumter, Florida 9 $ 1,445,000 $ 160,555 $ 145,000
Forsyth, Georgia 9 $ 2,575,000 $ 286,111 $ 103,000
Hawaii, Hawaii 9 $ 12,805,000 $ 1,422,777 $ 424,000
Ada, Idaho 9 $ 55,955,000 $ 6,217,222 $ 279,000
Sangamon, Illinois 9 $ 2,845,000 $ 316,111 $ 222,000
Monroe, Indiana 9 $ 1,395,000 $ 155,000 $ 253,000
Wayne, Indiana 9 $ 675,000 $ 75,000 $ 66,000
Norfolk, Massachusetts 9 $ 7,215,000 $ 801,666 $ 250,000
Franklin, Missouri 9 $ 645,000 $ 71,666 $ 83,000
Greene, Missouri 9 $ 3,395,000 $ 377,222 $ 243,000
Warren, Missouri 9 $ 1,075,000 $ 119,444 $ 74,000
Horry, South Carolina 9 $ 6,255,000 $ 695,000 $ 137,000
Loudoun, Virginia 9 $ 5,095,000 $ 566,111 $ 221,000
Crawford, Wisconsin 9 $ 475,000 $ 52,777 $ 65,000
Vernon, Wisconsin 9 $ 675,000 $ 75,000 $ 100,000
Yuma, Arizona 8 $ 630,000 $ 78,750 $ 106,000
Monterey, California 8 $ 10,570,000 $ 1,321,250 $ 219,000
San Joaquin, California 8 $ 3,380,000 $ 422,500 $ 131,000
Larimer, Colorado 8 $ 4,120,000 $ 515,000 $ 648,000
Marion, Florida 8 $ 710,000 $ 88,750 $ 54,000
Suffolk, Massachusetts 8 $ 5,750,000 $ 718,750 $ 960,000
Cass, Missouri 8 $ 930,000 $ 116,250 $ 70,000
Monmouth, New Jersey 8 $ 7,210,000 $ 901,250 $ 442,000
Clackamas, Oregon 8 $ 3,960,000 $ 495,000 $ 247,000
Allegheny, Pennsylvania 8 $ 3,320,000 $ 415,000 $ 207,000
Delaware, Pennsylvania 8 $ 5,300,000 $ 662,500 $ 396,000
Utah, Utah 8 $ 4,920,000 $ 615,000 $ 193,000
Monroe, Wisconsin 8 $ 620,000 $ 77,500 $ 89,000
Jefferson, Alabama 7 $ 4,195,000 $ 599,285 $ 463,000
Gila, Arizona 7 $ 1,815,000 $ 259,285 $ 93,000
Boulder, Colorado 7 $ 4,055,000 $ 579,285 $ 183,000
District of Columbia, District Of Columbia 7 $ 635,000 $ 90,714 $ 161,000
Bay, Florida 7 $ 1,035,000 $ 147,857 $ 184,000
Indian River, Florida 7 $ 26,005,000 $ 3,715,000 $ 1,299,000
Gwinnett, Georgia 7 $ 1,275,000 $ 182,142 $ 147,000
Maui, Hawaii 7 $ 14,865,000 $ 2,123,571 $ 699,000
Jo Daviess, Illinois 7 $ 735,000 $ 105,000 $ 117,000
McLean, Illinois 7 $ 1,025,000 $ 146,428 $ 97,000
Grant, Indiana 7 $ 285,000 $ 40,714 $ 87,000
Leavenworth, Kansas 7 $ 1,145,000 $ 163,571 $ 150,000
Anne Arundel, Maryland 7 $ 6,665,000 $ 952,142 $ 177,000
Allegan, Michigan 7 $ 4,125,000 $ 589,285 $ 468,000
Kent, Michigan 7 $ 1,005,000 $ 143,571 $ 210,000
Crow Wing, Minnesota 7 $ 2,755,000 $ 393,571 $ 279,000
Olmsted, Minnesota 7 $ 3,805,000 $ 543,571 $ 333,000
Dona Ana, New Mexico 7 $ 2,285,000 $ 326,428 $ 232,000
Santa Fe, New Mexico 7 $ 5,485,000 $ 783,571 $ 351,000
Gaston, North Carolina 7 $ 525,000 $ 75,000 $ 114,000
Oklahoma, Oklahoma 7 $ 4,555,000 $ 650,714 $ 441,000
Philadelphia, Pennsylvania 7 $ 4,545,000 $ 649,285 $ 286,000
Greenville, South Carolina 7 $ 755,000 $ 107,857 $ 57,000
Shelby, Tennessee 7 $ 1,615,000 $ 230,714 $ 186,000
Fort Bend, Texas 7 $ 4,045,000 $ 577,857 $ 449,000
Summit, Utah 7 $ 14,045,000 $ 2,006,428 $ 716,000
Forest, Wisconsin 7 $ 655,000 $ 93,571 $ 30,000
Langlade, Wisconsin 7 $ 595,000 $ 85,000 $ 79,000
San Luis Obispo, California 6 $ 5,880,000 $ 980,000 $ 189,000
Tulare, California 6 $ 3,350,000 $ 558,333 $ 192,000
Fairfield, Connecticut 6 $ 3,940,000 $ 656,666 $ 240,000
Okaloosa, Florida 6 $ 3,410,000 $ 568,333 $ 208,000
Williamson, Illinois 6 $ 360,000 $ 60,000 $ 98,000
Delaware, Indiana 6 $ 460,000 $ 76,666 $ 90,000
Henry, Indiana 6 $ 680,000 $ 113,333 $ 83,000
Starke, Indiana 6 $ 1,300,000 $ 216,666 $ 178,000
Tippecanoe, Indiana 6 $ 1,470,000 $ 245,000 $ 81,000
Barnstable, Massachusetts 6 $ 4,810,000 $ 801,666 $ 257,000
Essex, Massachusetts 6 $ 3,530,000 $ 588,333 $ 213,000
Antrim, Michigan 6 $ 3,110,000 $ 518,333 $ 332,000
Chisago, Minnesota 6 $ 770,000 $ 128,333 $ 149,000
Stearns, Minnesota 6 $ 1,640,000 $ 273,333 $ 198,000
Christian, Missouri 6 $ 1,530,000 $ 255,000 $ 142,000
Gallatin, Montana 6 $ 5,120,000 $ 853,333 $ 455,000
Bergen, New Jersey 6 $ 3,580,000 $ 596,666 $ 231,000
Cape May, New Jersey 6 $ 4,200,000 $ 700,000 $ 112,000
Somerset, New Jersey 6 $ 3,260,000 $ 543,333 $ 230,000
Kings, New York 6 $ 5,510,000 $ 918,333 $ 429,000
Onondaga, New York 6 $ 1,400,000 $ 233,333 $ 99,000
Buncombe, North Carolina 6 $ 6,370,000 $ 1,061,666 $ 226,000
Hamilton, Ohio 6 $ 1,510,000 $ 251,666 $ 194,000
Tulsa, Oklahoma 6 $ 2,420,000 $ 403,333 $ 234,000
Sumner, Tennessee 6 $ 6,820,000 $ 1,136,666 $ 267,000
Arlington, Virginia 6 $ 6,990,000 $ 1,165,000 $ 546,000
Iron, Wisconsin 6 $ 500,000 $ 83,333 $ 157,000
Trempealeau, Wisconsin 6 $ 540,000 $ 90,000 $ 73,000
Anchorage, Alaska 5 $ 2,555,000 $ 511,000 $ 274,000
Santa Cruz, Arizona 5 $ 365,000 $ 73,000 $ 76,000
Santa Cruz, California 5 $ 5,475,000 $ 1,095,000 $ 426,000
Adams, Colorado 5 $ 1,175,000 $ 235,000 $ 182,000
Eagle, Colorado 5 $ 8,115,000 $ 1,623,000 $ 316,000
Pitkin, Colorado 5 $ 13,435,000 $ 2,687,000 $ 231,000
Alachua, Florida 5 $ 1,385,000 $ 277,000 $ 170,000
Flagler, Florida 5 $ 395,000 $ 79,000 $ 170,000
Monroe, Florida 5 $ 3,445,000 $ 689,000 $ 798,000
Nassau, Florida 5 $ 4,585,000 $ 917,000 $ 913,000
Cherokee, Georgia 5 $ 2,645,000 $ 529,000 $ 160,000
Henry, Georgia 5 $ 1,755,000 $ 351,000 $ 83,000
Bonneville, Idaho 5 $ 975,000 $ 195,000 $ 254,000
Macon, Illinois 5 $ 415,000 $ 83,000 $ 54,000
Peoria, Illinois 5 $ 815,000 $ 163,000 $ 85,000
Allen, Indiana 5 $ 1,545,000 $ 309,000 $ 132,000
Polk, Iowa 5 $ 715,000 $ 143,000 $ 107,000
East Baton Rouge, Louisiana 5 $ 1,275,000 $ 255,000 $ 228,000
Orleans, Louisiana 5 $ 3,575,000 $ 715,000 $ 302,000
Menominee, Michigan 5 $ 875,000 $ 175,000 $ 82,000
Van Buren, Michigan 5 $ 1,075,000 $ 215,000 $ 164,000
Houston, Minnesota 5 $ 845,000 $ 169,000 $ 59,000
Stone, Missouri 5 $ 595,000 $ 119,000 $ 115,000
Douglas, Nebraska 5 $ 2,525,000 $ 505,000 $ 243,000
Washoe, Nevada 5 $ 3,265,000 $ 653,000 $ 303,000
Suffolk, New York 5 $ 4,685,000 $ 937,000 $ 482,000
Union, North Carolina 5 $ 2,245,000 $ 449,000 $ 543,000
Jackson, Oregon 5 $ 2,615,000 $ 523,000 $ 155,000
Washington, Oregon 5 $ 3,075,000 $ 615,000 $ 211,000
Lexington, South Carolina 5 $ 775,000 $ 155,000 $ 75,000
Richland, South Carolina 5 $ 865,000 $ 173,000 $ 209,000
Knox, Tennessee 5 $ 285,000 $ 57,000 $ 161,000
Rockwall, Texas 5 $ 6,375,000 $ 1,275,000 $ 371,000
Kitsap, Washington 5 $ 1,755,000 $ 351,000 $ 176,000
Thurston, Washington 5 $ 4,105,000 $ 821,000 $ 279,000
Whatcom, Washington 5 $ 4,385,000 $ 877,000 $ 606,000
Jackson, Wisconsin 5 $ 545,000 $ 109,000 $ 73,000
Sawyer, Wisconsin 5 $ 585,000 $ 117,000 $ 107,000
Pulaski, Arkansas 4 $ 600,000 $ 150,000 $ 155,000
El Dorado, California 4 $ 2,230,000 $ 557,500 $ 131,000
Madera, California 4 $ 2,000,000 $ 500,000 $ 128,000
Stanislaus, California 4 $ 1,240,000 $ 310,000 $ 181,000
Grand, Colorado 4 $ 5,470,000 $ 1,367,500 $ 561,000
Hartford, Connecticut 4 $ 1,160,000 $ 290,000 $ 172,000
Citrus, Florida 4 $ 680,000 $ 170,000 $ 103,000
Hernando, Florida 4 $ 610,000 $ 152,500 $ 99,000
Chatham, Georgia 4 $ 2,320,000 $ 580,000 $ 116,000
Honolulu, Hawaii 4 $ 3,130,000 $ 782,500 $ 231,000
Champaign, Illinois 4 $ 460,000 $ 115,000 $ 324,000
Rock Island, Illinois 4 $ 1,130,000 $ 282,500 $ 221,000
Stephenson, Illinois 4 $ 550,000 $ 137,500 $ 108,000
Bartholomew, Indiana 4 $ 420,000 $ 105,000 $ 74,000
Brown, Indiana 4 $ 750,000 $ 187,500 $ 99,000
Cass, Indiana 4 $ 660,000 $ 165,000 $ 87,000
Clay, Indiana 4 $ 520,000 $ 130,000 $ 71,000
Jasper, Indiana 4 $ 350,000 $ 87,500 $ 67,000
Kosciusko, Indiana 4 $ 2,370,000 $ 592,500 $ 521,000
Newton, Indiana 4 $ 980,000 $ 245,000 $ 86,000
Parke, Indiana 4 $ 310,000 $ 77,500 $ 107,000
St. Joseph, Indiana 4 $ 500,000 $ 125,000 $ 46,000
Scott, Iowa 4 $ 360,000 $ 90,000 $ 141,000
Shawnee, Kansas 4 $ 240,000 $ 60,000 $ 78,000
Jefferson, Kentucky 4 $ 130,000 $ 32,500 $ 45,000
St. Joseph, Michigan 4 $ 770,000 $ 192,500 $ 239,000
Aitkin, Minnesota 4 $ 860,000 $ 215,000 $ 120,000
Brown, Minnesota 4 $ 300,000 $ 75,000 $ 92,000
Isanti, Minnesota 4 $ 130,000 $ 32,500 $ 94,000
Jasper, Missouri 4 $ 320,000 $ 80,000 $ 107,000
Flathead, Montana 4 $ 2,210,000 $ 552,500 $ 66,000
Lewis and Clark, Montana 4 $ 2,710,000 $ 677,500 $ 321,000
Douglas, Nevada 4 $ 2,400,000 $ 600,000 $ 356,000
Rockingham, New Hampshire 4 $ 2,180,000 $ 545,000 $ 214,000
Camden, New Jersey 4 $ 2,470,000 $ 617,500 $ 339,000
Hudson, New Jersey 4 $ 1,480,000 $ 370,000 $ 224,000
Middlesex, New Jersey 4 $ 1,350,000 $ 337,500 $ 140,000
Bronx, New York 4 $ 480,000 $ 120,000 $ 116,000
Cass, North Dakota 4 $ 940,000 $ 235,000 $ 133,000
Lane, Oregon 4 $ 1,990,000 $ 497,500 $ 253,000
Montgomery, Pennsylvania 4 $ 4,110,000 $ 1,027,500 $ 421,000
Minnehaha, South Dakota 4 $ 2,250,000 $ 562,500 $ 230,000
Maury, Tennessee 4 $ 1,050,000 $ 262,500 $ 139,000
Sevier, Tennessee 4 $ 1,060,000 $ 265,000 $ 137,000
El Paso, Texas 4 $ 1,420,000 $ 355,000 $ 189,000
Alexandria, Virginia 4 $ 2,340,000 $ 585,000 $ 215,000
Benton, Washington 4 $ 730,000 $ 182,500 $ 194,000
Clark, Washington 4 $ 1,720,000 $ 430,000 $ 219,000
Barron, Wisconsin 4 $ 410,000 $ 102,500 $ 81,000
Menominee, Wisconsin 4 $ 530,000 $ 132,500 $ 138,000
Rusk, Wisconsin 4 $ 390,000 $ 97,500 $ 97,000
Talladega, Alabama 3 $ 795,000 $ 265,000 $ 200,000
Cochise, Arizona 3 $ 195,000 $ 65,000 $ 87,000
Benton, Arkansas 3 $ 1,245,000 $ 415,000 $ 193,000
Kern, California 3 $ 685,000 $ 228,333 $ 177,000
Nevada, California 3 $ 2,875,000 $ 958,333 $ 369,000
Solano, California 3 $ 115,000 $ 38,333 $ 98,000
Sonoma, California 3 $ 1,575,000 $ 525,000 $ 555,000
Broomfield, Colorado 3 $ 2,695,000 $ 898,333 $ 308,000
Gunnison, Colorado 3 $ 1,295,000 $ 431,666 $ 737,000
La Plata, Colorado 3 $ 2,575,000 $ 858,333 $ 451,000
Mesa, Colorado 3 $ 2,795,000 $ 931,666 $ 301,000
New Haven, Connecticut 3 $ 275,000 $ 91,666 $ 106,000
Escambia, Florida 3 $ 355,000 $ 118,333 $ 69,000
Franklin, Florida 3 $ 1,145,000 $ 381,666 $ 92,000
Martin, Florida 3 $ 2,585,000 $ 861,666 $ 350,000
Santa Rosa, Florida 3 $ 1,045,000 $ 348,333 $ 44,000
Bryan, Georgia 3 $ 1,605,000 $ 535,000 $ 98,000
Clayton, Georgia 3 $ 405,000 $ 135,000 $ 108,000
Douglas, Georgia 3 $ 1,115,000 $ 371,666 $ 117,000
Greene, Georgia 3 $ 1,365,000 $ 455,000 $ 173,000
Muscogee, Georgia 3 $ 285,000 $ 95,000 $ 87,000
Paulding, Georgia 3 $ 415,000 $ 138,333 $ 158,000
Richmond, Georgia 3 $ 825,000 $ 275,000 $ 115,000
Bonner, Idaho 3 $ 1,915,000 $ 638,333 $ 441,000
Carroll, Illinois 3 $ 695,000 $ 231,666 $ 109,000
Lee, Illinois 3 $ 345,000 $ 115,000 $ 106,000
Randolph, Illinois 3 $ 195,000 $ 65,000 $ 118,000
Saline, Illinois 3 $ 95,000 $ 31,666 $ 35,000
Clinton, Indiana 3 $ 315,000 $ 105,000 $ 154,000
Decatur, Indiana 3 $ 515,000 $ 171,666 $ 4,000
Fayette, Indiana 3 $ 185,000 $ 61,666 $ 42,000
Miami, Indiana 3 $ 125,000 $ 41,666 $ 90,000
Owen, Indiana 3 $ 535,000 $ 178,333 $ 80,000
Sullivan, Indiana 3 $ 175,000 $ 58,333 $ 51,000
Dubuque, Iowa 3 $ 1,515,000 $ 505,000 $ 218,000
Linn, Iowa 3 $ 1,015,000 $ 338,333 $ 137,000
Story, Iowa 3 $ 535,000 $ 178,333 $ 64,000
Butler, Kansas 3 $ 405,000 $ 135,000 $ 136,000
Douglas, Kansas 3 $ 855,000 $ 285,000 $ 235,000
Caddo, Louisiana 3 $ 605,000 $ 201,666 $ 92,000
St. Tammany, Louisiana 3 $ 45,000 $ 15,000 $ 81,000
Baltimore, Maryland 3 $ 815,000 $ 271,666 $ 197,000
Charles, Maryland 3 $ 525,000 $ 175,000 $ 163,000
Frederick, Maryland 3 $ 2,025,000 $ 675,000 $ 259,000
Howard, Maryland 3 $ 2,415,000 $ 805,000 $ 116,000
Prince George's, Maryland 3 $ 545,000 $ 181,666 $ 143,000
Cass, Michigan 3 $ 1,855,000 $ 618,333 $ 745,000
Charlevoix, Michigan 3 $ 5,855,000 $ 1,951,666 $ 1,001,000
Gogebic, Michigan 3 $ 395,000 $ 131,666 $ 132,000
Ottawa, Michigan 3 $ 3,105,000 $ 1,035,000 $ 631,000
Goodhue, Minnesota 3 $ 305,000 $ 101,666 $ 59,000
Mille Lacs, Minnesota 3 $ 175,000 $ 58,333 $ 75,000
Mower, Minnesota 3 $ 75,000 $ 25,000 $ 177,000
DeSoto, Mississippi 3 $ 135,000 $ 45,000 $ 87,000
Hinds, Mississippi 3 $ 45,000 $ 15,000 $ 65,000
Camden, Missouri 3 $ 235,000 $ 78,333 $ 43,000
Gasconade, Missouri 3 $ 135,000 $ 45,000 $ 35,000
Lincoln, Missouri 3 $ 345,000 $ 115,000 $ 60,000
Taney, Missouri 3 $ 315,000 $ 105,000 $ 89,000
Texas, Missouri 3 $ 155,000 $ 51,666 $ 39,000
Essex, New Jersey 3 $ 1,745,000 $ 581,666 $ 260,000
Morris, New Jersey 3 $ 3,475,000 $ 1,158,333 $ 436,000
Ocean, New Jersey 3 $ 2,205,000 $ 735,000 $ 630,000
Union, New Jersey 3 $ 725,000 $ 241,666 $ 222,000
Erie, New York 3 $ 135,000 $ 45,000 $ 82,000
Nassau, New York 3 $ 585,000 $ 195,000 $ 307,000
Queens, New York 3 $ 1,685,000 $ 561,666 $ 173,000
Brunswick, North Carolina 3 $ 1,295,000 $ 431,666 $ 100,000
Durham, North Carolina 3 $ 695,000 $ 231,666 $ 147,000
Forsyth, North Carolina 3 $ 65,000 $ 21,666 $ 71,000
Moore, North Carolina 3 $ 645,000 $ 215,000 $ 225,000
Greene, Ohio 3 $ 165,000 $ 55,000 $ 62,000
Lorain, Ohio 3 $ 605,000 $ 201,666 $ 108,000
Mahoning, Ohio 3 $ 355,000 $ 118,333 $ 94,000
Summit, Ohio 3 $ 1,165,000 $ 388,333 $ 282,000
Mayes, Oklahoma 3 $ 205,000 $ 68,333 $ 158,000
Deschutes, Oregon 3 $ 1,365,000 $ 455,000 $ 317,000
Klamath, Oregon 3 $ 315,000 $ 105,000 $ 56,000
Yamhill, Oregon 3 $ 975,000 $ 325,000 $ 167,000
Spartanburg, South Carolina 3 $ 435,000 $ 145,000 $ 135,000
York, South Carolina 3 $ 925,000 $ 308,333 $ 174,000
Hamilton, Tennessee 3 $ 1,695,000 $ 565,000 $ 244,000
Monroe, Tennessee 3 $ 455,000 $ 151,666 $ 113,000
Wilson, Tennessee 3 $ 485,000 $ 161,666 $ 118,000
Brazoria, Texas 3 $ 745,000 $ 248,333 $ 135,000
Galveston, Texas 3 $ 945,000 $ 315,000 $ 150,000
Lubbock, Texas 3 $ 2,145,000 $ 715,000 $ 234,000
Parker, Texas 3 $ 2,045,000 $ 681,666 $ 185,000
Davis, Utah 3 $ 1,635,000 $ 545,000 $ 200,000
Washington, Utah 3 $ 2,145,000 $ 715,000 $ 158,000
Richmond City, Virginia 3 $ 1,115,000 $ 371,666 $ 103,000
Virginia Beach, Virginia 3 $ 1,865,000 $ 621,666 $ 202,000
Burnett, Wisconsin 3 $ 215,000 $ 71,666 $ 243,000
Washburn, Wisconsin 3 $ 3,865,000 $ 1,288,333 $ 1,851,000
Baldwin, Alabama 2 $ 920,000 $ 460,000 $ 493,000
Cullman, Alabama 2 $ 180,000 $ 90,000 $ 219,000
Lee, Alabama 2 $ 290,000 $ 145,000 $ 32,000
Mobile, Alabama 2 $ 160,000 $ 80,000 $ 318,000
Montgomery, Alabama 2 $ 120,000 $ 60,000 $ 218,000
Apache, Arizona 2 $ 370,000 $ 185,000 $ 101,000
Garland, Arkansas 2 $ 1,320,000 $ 660,000 $ 144,000
Butte, California 2 $ 1,510,000 $ 755,000 $ 437,000
Lake, California 2 $ 160,000 $ 80,000 $ 341,000
Merced, California 2 $ 490,000 $ 245,000 $ 152,000
Napa, California 2 $ 3,210,000 $ 1,605,000 $ 700,000
Shasta, California 2 $ 1,660,000 $ 830,000 $ 363,000
Montrose, Colorado 2 $ 1,670,000 $ 835,000 $ 447,000
Summit, Colorado 2 $ 1,910,000 $ 955,000 $ 390,000
Weld, Colorado 2 $ 1,310,000 $ 655,000 $ 296,000
Litchfield, Connecticut 2 $ 2,380,000 $ 1,190,000 $ 534,000
New London, Connecticut 2 $ 1,380,000 $ 690,000 $ 175,000
Jefferson, Florida 2 $ 810,000 $ 405,000 $ 106,000
Leon, Florida 2 $ 260,000 $ 130,000 $ 94,000
Levy, Florida 2 $ 490,000 $ 245,000 $ 73,000
Madison, Florida 2 $ 110,000 $ 55,000 $ 58,000
Putnam, Florida 2 $ 80,000 $ 40,000 $ 65,000
Glynn, Georgia 2 $ 4,230,000 $ 2,115,000 $ 1,198,000
Hall, Georgia 2 $ 760,000 $ 380,000 $ 24,000
Newton, Georgia 2 $ 210,000 $ 105,000 $ 60,000
Bannock, Idaho 2 $ 1,630,000 $ 815,000 $ 228,000
Blaine, Idaho 2 $ 6,100,000 $ 3,050,000 $ 2,832,000
Adams, Illinois 2 $ 420,000 $ 210,000 $ 212,000
Alexander, Illinois 2 $ 120,000 $ 60,000 $ 98,000
Christian, Illinois 2 $ 40,000 $ 20,000 $ 51,000
Coles, Illinois 2 $ 30,000 $ 15,000 $ 4,000
Henry, Illinois 2 $ 180,000 $ 90,000 $ 97,000
Marshall, Illinois 2 $ 180,000 $ 90,000 $ 71,000
Putnam, Illinois 2 $ 330,000 $ 165,000 $ 198,000
Tazewell, Illinois 2 $ 30,000 $ 15,000 $ 25,000
Vermilion, Illinois 2 $ 270,000 $ 135,000 $ 20,000
Carroll, Indiana 2 $ 90,000 $ 45,000 $ 60,000
Elkhart, Indiana 2 $ 140,000 $ 70,000 $ 48,000
Floyd, Indiana 2 $ 510,000 $ 255,000 $ 280,000
Greene, Indiana 2 $ 70,000 $ 35,000 $ 42,000
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Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2022

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 9,724 $1,066,610,000 $109,000 $4,005,000 $122,000 $5,088,000
Other Purpose 8,219 $1,322,865,000 $160,000 $33,255,000 $135,000 $8,450,000
Home Purchase 5,299 $3,170,220,000 $598,000 $62,275,000 $231,000 $9,307,000
Cash-out Refinancing 4,988 $1,079,030,000 $216,000 $27,115,000 $114,000 $6,475,000
Refinancing 831 $608,870,000 $733,000 $88,005,000 $160,000 $2,643,000
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 19,014 $3,621,830,000 $190,000 $33,255,000 $135,000 $8,450,000
Not Provided 3,823 $1,875,395,000 $490,000 $16,085,000 $229,000 $9,307,000
Hispanic 2,839 $360,795,000 $127,000 $4,555,000 $96,000 $2,421,000
Black or African American 1,472 $160,140,000 $108,000 $3,265,000 $98,000 $4,671,000
Asian 1,109 $298,585,000 $269,000 $4,675,000 $186,000 $6,161,000
Not applicable 325 $771,815,000 $2,389,000 $88,005,000 $56,000 $171,000
American Indian or Alaskan Native 169 $28,265,000 $167,000 $2,555,000 $186,000 $6,400,000
Native Hawaiian or Other Pacific Islander 17 $2,105,000 $123,000 $495,000 $119,000 $748,000

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) 28,742 $7,186,040,000 $250,000 $88,005,000 $146,000 $9,307,000
FHA-insured (Federal Housing Administration) 319 $61,555,000 $192,000 $595,000 $63,000 $247,000
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 13,672 $4,014,000,000 $293,000 $88,005,000 $159,000 $9,307,000
Application Denied By Financial Institution 8,257 $1,301,935,000 $157,000 $8,755,000 $104,000 $8,450,000
Application Withdrawn By Applicant 3,080 $795,030,000 $258,000 $5,355,000 $185,000 $6,455,000
File Closed For Incompleteness 2,654 $446,250,000 $168,000 $6,005,000 $152,000 $4,150,000
Application Approved But Not Accepted 426 $73,340,000 $172,000 $7,485,000 $115,000 $895,000
Preapproval Denied by Financial Institution 334 $165,540,000 $495,000 $10,005,000 $122,000 $1,836,000
Preapproval Approved but not Accepted 327 $178,125,000 $544,000 $3,605,000 $217,000 $4,455,000
Loan Purchased By The Institution 311 $273,375,000 $879,000 $1,985,000 $56,000 $171,000

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 20,470 $5,780,120,000 $282,000 $88,005,000 $162,000 $9,307,000
Debt-To-Income Ratio 3,623 $783,495,000 $216,000 $10,005,000 $71,000 $1,551,000
Credit History 3,085 $271,355,000 $87,000 $1,505,000 $106,000 $8,450,000
Collateral 1,078 $203,290,000 $188,000 $8,755,000 $162,000 $6,400,000
Other 380 $79,050,000 $208,000 $4,675,000 $159,000 $3,500,000
Unverifiable Information 322 $81,300,000 $252,000 $4,505,000 $162,000 $3,084,000
Insufficient Cash (Downpayment, Closing Cost) 38 $14,500,000 $381,000 $1,655,000 $136,000 $476,000
Employment History 35 $8,605,000 $245,000 $1,665,000 $71,000 $350,000
Credit Application Incomplete 30 $25,880,000 $862,000 $2,005,000 $490,000 $3,072,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2022 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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