BMO Harris Bank NA Mortgage Lending & HMDA Data, 2025
In 2025, BMO Harris Bank NA of Chicago, IL reported 37,895 mortgage applications totaling $15.1 billion, down 10% from 2024. The average application was for $397,308, and applicants reported an average income of $203,081. 44% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Chicago-Naperville, IL (6,320), Los Angeles-Long Beach-Glendale, CA (2,269) and Milwaukee-Waukesha-West Allis, WI (1,861) (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 | 37,895 |
| Total Mortgage Loan Application Amount | $15,056,005,000 |
| Average Mortgage Loan Application Amount | $397,308 |
| Highest Mortgage Loan Application Amount | $47,805,000 |
| Average Applicant Income | $203,081 |
| Highest Applicant Income | $9,382,000 |
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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 6,320 | $ 1,331,720,000 | $ 210,715 | $ 146,000 |
| Outside any metro area | 5,298 | $ 2,248,810,000 | $ 424,463 | $ 177,160 |
| Los Angeles-Long Beach-Glendale, CA | 2,269 | $ 2,056,705,000 | $ 906,436 | $ 382,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,861 | $ 407,675,000 | $ 219,062 | $ 121,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,552 | $ 560,300,000 | $ 361,018 | $ 200,000 |
| Oakland-Hayward-Berkeley, CA | 1,476 | $ 930,290,000 | $ 630,277 | $ 267,000 |
| Indianapolis-Carmel-Anderson, IN | 1,172 | $ 188,770,000 | $ 161,066 | $ 119,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,100 | $ 1,164,320,000 | $ 1,058,472 | $ 375,000 |
| Denver-Aurora-Lakewood, CO | 1,027 | $ 351,335,000 | $ 342,098 | $ 191,000 |
| Elgin, IL | 808 | $ 130,760,000 | $ 161,831 | $ 126,000 |
| Anaheim-Santa Ana-Irvine, CA | 772 | $ 623,250,000 | $ 807,318 | $ 358,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 728 | $ 153,690,000 | $ 211,112 | $ 179,730 |
| Lake County-Kenosha County, IL-WI | 581 | $ 142,845,000 | $ 245,860 | $ 205,000 |
| San Francisco-Redwood City-South San Francisco, CA | 560 | $ 635,540,000 | $ 1,134,892 | $ 463,000 |
| Madison, WI | 515 | $ 116,295,000 | $ 225,815 | $ 123,000 |
| Lake County-Porter County-Jasper County, IN | 508 | $ 71,130,000 | $ 140,019 | $ 102,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 483 | $ 268,605,000 | $ 556,118 | $ 235,000 |
| Kansas City, MO-KS | 457 | $ 87,995,000 | $ 192,549 | $ 146,192 |
| Riverside-San Bernardino-Ontario, CA | 455 | $ 179,775,000 | $ 395,109 | $ 262,000 |
| Stockton-Lodi, CA | 403 | $ 90,295,000 | $ 224,057 | $ 130,000 |
| Omaha-Council Bluffs, NE-IA | 383 | $ 50,945,000 | $ 133,015 | $ 120,657 |
| St. Louis, MO-IL | 371 | $ 82,865,000 | $ 223,355 | $ 150,706 |
| Albuquerque, NM | 351 | $ 62,555,000 | $ 178,219 | $ 112,000 |
| Rockford, IL | 327 | $ 35,265,000 | $ 107,844 | $ 83,000 |
| Tucson, AZ | 314 | $ 62,730,000 | $ 199,777 | $ 141,000 |
| Modesto, CA | 313 | $ 57,475,000 | $ 183,626 | $ 109,000 |
| San Diego-Carlsbad, CA | 297 | $ 244,165,000 | $ 822,104 | $ 352,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 275 | $ 109,305,000 | $ 397,472 | $ 193,850 |
| Green Bay, WI | 261 | $ 46,485,000 | $ 178,103 | $ 106,000 |
| North Port-Sarasota-Bradenton, FL | 251 | $ 61,775,000 | $ 246,115 | $ 131,000 |
| Janesville-Beloit, WI | 206 | $ 31,820,000 | $ 154,466 | $ 90,000 |
| Des Moines-West Des Moines, IA | 200 | $ 25,810,000 | $ 129,050 | $ 101,000 |
| Fresno, CA | 194 | $ 48,110,000 | $ 247,989 | $ 181,000 |
| Kenosha, WI | 184 | $ 27,080,000 | $ 147,173 | $ 123,000 |
| Appleton, WI | 182 | $ 35,170,000 | $ 193,241 | $ 127,000 |
| Racine, WI | 170 | $ 26,220,000 | $ 154,235 | $ 95,000 |
| Las Vegas-Henderson-Paradise, NV | 166 | $ 64,840,000 | $ 390,602 | $ 280,000 |
| Santa Rosa, CA | 158 | $ 65,000,000 | $ 411,392 | $ 244,000 |
| Wichita, KS | 150 | $ 16,040,000 | $ 106,933 | $ 99,000 |
| Vallejo-Fairfield, CA | 141 | $ 28,445,000 | $ 201,737 | $ 139,000 |
| Prescott Valley-Prescott, AZ | 135 | $ 32,255,000 | $ 238,925 | $ 149,000 |
| Seattle-Bellevue-Everett, WA | 124 | $ 128,190,000 | $ 1,033,790 | $ 426,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 117 | $ 72,865,000 | $ 622,777 | $ 433,000 |
| Sheboygan, WI | 115 | $ 16,065,000 | $ 139,695 | $ 91,000 |
| Kokomo, IN | 114 | $ 10,910,000 | $ 95,701 | $ 71,000 |
| Yakima, WA | 107 | $ 24,445,000 | $ 228,457 | $ 111,000 |
| Oshkosh-Neenah, WI | 105 | $ 15,985,000 | $ 152,238 | $ 111,000 |
| Wausau, WI | 101 | $ 13,275,000 | $ 131,435 | $ 100,000 |
| Visalia-Porterville, CA | 99 | $ 16,085,000 | $ 162,474 | $ 120,000 |
| San Rafael, CA | 86 | $ 65,800,000 | $ 765,116 | $ 367,000 |
| Tampa, FL | 86 | $ 23,030,000 | $ 267,790 | $ 147,000 |
| La Crosse-Onalaska, WI-MN | 84 | $ 10,780,000 | $ 128,333 | $ 93,857 |
| Boulder, CO | 83 | $ 25,785,000 | $ 310,662 | $ 218,000 |
| Reno, NV | 82 | $ 41,960,000 | $ 511,707 | $ 218,000 |
| Santa Cruz-Watsonville, CA | 80 | $ 48,950,000 | $ 611,875 | $ 276,000 |
| Fond Du Lac, WI | 79 | $ 11,415,000 | $ 144,493 | $ 94,000 |
| Salt Lake City, UT | 79 | $ 54,815,000 | $ 693,860 | $ 321,000 |
| Cape Coral-Fort Myers, FL | 77 | $ 24,525,000 | $ 318,506 | $ 230,000 |
| Fort Collins, CO | 77 | $ 18,535,000 | $ 240,714 | $ 144,000 |
| Grand Junction, CO | 73 | $ 18,455,000 | $ 252,808 | $ 176,000 |
| Naples-Immokalee-Marco Island, FL | 73 | $ 32,695,000 | $ 447,876 | $ 264,000 |
| Bakersfield, CA | 68 | $ 17,810,000 | $ 261,911 | $ 160,000 |
| Eau Claire, WI | 68 | $ 16,000,000 | $ 235,294 | $ 230,000 |
| Santa Maria-Santa Barbara, CA | 67 | $ 43,845,000 | $ 654,402 | $ 410,000 |
| Greeley, CO | 66 | $ 16,000,000 | $ 242,424 | $ 146,000 |
| Miami-Miami Beach-Kendall, FL | 66 | $ 126,650,000 | $ 1,918,939 | $ 656,000 |
| Duluth, MN-WI | 63 | $ 6,685,000 | $ 106,111 | $ 78,365 |
| Oklahoma City, OK | 63 | $ 15,635,000 | $ 248,174 | $ 156,000 |
| Las Cruces, NM | 61 | $ 5,985,000 | $ 98,114 | $ 74,000 |
| Chico, CA | 55 | $ 7,175,000 | $ 130,454 | $ 107,000 |
| Napa, CA | 53 | $ 72,085,000 | $ 1,360,094 | $ 351,000 |
| Boise City, ID | 52 | $ 18,900,000 | $ 363,461 | $ 252,000 |
| Lincoln, NE | 50 | $ 8,310,000 | $ 166,200 | $ 106,000 |
| Cedar Rapids, IA | 47 | $ 6,305,000 | $ 134,148 | $ 90,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 47 | $ 48,955,000 | $ 1,041,595 | $ 377,000 |
| New York-Jersey City-White Plains, NY-NJ | 43 | $ 74,885,000 | $ 1,741,511 | $ 1,435,348 |
| Flagstaff, AZ | 42 | $ 21,080,000 | $ 501,904 | $ 280,000 |
| Kennewick-Richland, WA | 41 | $ 9,385,000 | $ 228,902 | $ 148,000 |
| Orlando-Kissimmee-Sanford, FL | 41 | $ 19,585,000 | $ 477,682 | $ 238,000 |
| Tulsa, OK | 41 | $ 5,405,000 | $ 131,829 | $ 109,000 |
| Hanford-Corcoran, CA | 39 | $ 6,205,000 | $ 159,102 | $ 95,000 |
| Cheyenne, WY | 37 | $ 4,895,000 | $ 132,297 | $ 103,000 |
| Salinas, CA | 37 | $ 33,765,000 | $ 912,567 | $ 462,000 |
| St. Petersburg-Clearwater-Largo, FL | 35 | $ 17,965,000 | $ 513,285 | $ 217,000 |
| Ames, IA | 33 | $ 2,485,000 | $ 75,303 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 33 | $ 31,835,000 | $ 964,696 | $ 543,000 |
| Atlanta-Sandy Springs-Roswell, GA | 31 | $ 10,925,000 | $ 352,419 | $ 291,000 |
| Colorado Springs, CO | 31 | $ 12,545,000 | $ 404,677 | $ 286,000 |
| Houston-The Woodlands-Sugar Land, TX | 27 | $ 19,955,000 | $ 739,074 | $ 482,000 |
| Jacksonville, FL | 27 | $ 19,145,000 | $ 709,074 | $ 408,000 |
| Rochester, MN | 26 | $ 3,350,000 | $ 128,846 | $ 100,000 |
| Tacoma-Lakewood, WA | 26 | $ 17,650,000 | $ 678,846 | $ 337,000 |
| Bend-Redmond, OR | 25 | $ 22,925,000 | $ 917,000 | $ 365,000 |
| Enid, OK | 24 | $ 1,330,000 | $ 55,416 | $ 62,000 |
| Merced, CA | 24 | $ 3,770,000 | $ 157,083 | $ 148,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 24 | $ 19,660,000 | $ 819,166 | $ 800,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 24 | $ 16,800,000 | $ 700,000 | $ 329,000 |
| Arlington-Alexandria-Reston, VA-WV | 23 | $ 24,885,000 | $ 1,081,956 | $ 584,000 |
| Punta Gorda, FL | 23 | $ 4,635,000 | $ 201,521 | $ 112,000 |
| Everett, WA | 22 | $ 16,220,000 | $ 737,272 | $ 363,000 |
| Grand Island, NE | 22 | $ 2,520,000 | $ 114,545 | $ 82,000 |
| Provo-Orem, UT | 22 | $ 19,130,000 | $ 869,545 | $ 429,000 |
| Lakeland-Winter Haven, FL | 21 | $ 3,075,000 | $ 146,428 | $ 140,000 |
| Michigan City-La Porte, IN | 20 | $ 3,270,000 | $ 163,500 | $ 133,000 |
| Ogden-Clearfield, UT | 19 | $ 11,545,000 | $ 607,631 | $ 255,000 |
| Fargo, ND-MN | 18 | $ 4,180,000 | $ 232,222 | $ 159,333 |
| Lake Havasu City-Kingman, AZ | 18 | $ 3,110,000 | $ 172,777 | $ 125,000 |
| Kankakee, IL | 17 | $ 2,245,000 | $ 132,058 | $ 117,000 |
| Spokane-Spokane Valley, WA | 17 | $ 10,745,000 | $ 632,058 | $ 341,000 |
| St. Cloud, MN | 17 | $ 2,755,000 | $ 162,058 | $ 140,000 |
| Casper, WY | 16 | $ 3,110,000 | $ 194,375 | $ 181,000 |
| Charleston-North Charleston, SC | 16 | $ 11,540,000 | $ 721,250 | $ 538,000 |
| Dallas-Plano-Irving, TX | 16 | $ 19,290,000 | $ 1,205,625 | $ 578,000 |
| Iowa City, IA | 16 | $ 2,410,000 | $ 150,625 | $ 91,000 |
| Newark, NJ-PA | 16 | $ 10,400,000 | $ 650,000 | $ 458,000 |
| Austin-Round Rock, TX | 15 | $ 20,675,000 | $ 1,378,333 | $ 966,000 |
| Eugene, OR | 15 | $ 7,695,000 | $ 513,000 | $ 348,000 |
| Yuba City, CA | 15 | $ 3,245,000 | $ 216,333 | $ 113,000 |
| Memphis, TN-MS-AR | 14 | $ 2,450,000 | $ 175,000 | $ 208,142 |
| South Bend-Mishawaka, IN-MI | 14 | $ 4,910,000 | $ 350,714 | $ 270,714 |
| Washington-Baltimore-Arlington, DC | 14 | $ 13,460,000 | $ 961,428 | $ 513,000 |
| Cambridge-Newton-Framingham, MA | 12 | $ 11,460,000 | $ 955,000 | $ 446,000 |
| Medford, OR | 12 | $ 9,340,000 | $ 778,333 | $ 540,000 |
| Ocala, FL | 12 | $ 2,640,000 | $ 220,000 | $ 175,000 |
| Baltimore-Columbia-Towson, MD | 11 | $ 5,465,000 | $ 496,818 | $ 388,000 |
| Nassau County-Suffolk County, NY | 11 | $ 43,935,000 | $ 3,994,090 | $ 1,961,000 |
| Raleigh, NC | 11 | $ 8,115,000 | $ 737,727 | $ 831,000 |
| St. Joseph, MO-KS | 11 | $ 1,725,000 | $ 156,818 | $ 83,000 |
| Bellingham, WA | 10 | $ 7,460,000 | $ 746,000 | $ 297,000 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 4,750,000 | $ 475,000 | $ 234,200 |
| Columbus, OH | 10 | $ 1,700,000 | $ 170,000 | $ 146,000 |
| Marietta, GA | 10 | $ 2,380,000 | $ 238,000 | $ 728,000 |
| Salem, OR | 10 | $ 4,570,000 | $ 457,000 | $ 311,000 |
| Warren-Troy-Farmington Hills, MI | 10 | $ 3,150,000 | $ 315,000 | $ 476,000 |
| Bridgeport-Stamford-Norwalk, CT | 9 | $ 41,845,000 | $ 4,649,444 | $ 911,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 4,945,000 | $ 549,444 | $ 207,000 |
| Fort Worth-Arlington, TX | 9 | $ 6,405,000 | $ 711,666 | $ 257,000 |
| Lakewood-New Brunswick, NJ | 9 | $ 4,765,000 | $ 529,444 | $ 522,000 |
| Pueblo, CO | 9 | $ 1,055,000 | $ 117,222 | $ 75,000 |
| Washington, DC-MD | 9 | $ 9,745,000 | $ 1,082,777 | $ 1,412,333 |
| Bloomington, IN | 8 | $ 2,540,000 | $ 317,500 | $ 126,000 |
| Carson City, NV | 8 | $ 1,330,000 | $ 166,250 | $ 139,000 |
| Cincinnati, OH-KY-IN | 8 | $ 1,620,000 | $ 202,500 | $ 187,500 |
| Durham-Chapel Hill, NC | 8 | $ 2,260,000 | $ 282,500 | $ 202,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 5,490,000 | $ 686,250 | $ 305,000 |
| Port St. Lucie, FL | 8 | $ 3,900,000 | $ 487,500 | $ 153,000 |
| Rapid City, SD | 8 | $ 5,800,000 | $ 725,000 | $ 413,000 |
| Santa Fe, NM | 8 | $ 3,050,000 | $ 381,250 | $ 236,000 |
| Springfield, MO | 8 | $ 2,170,000 | $ 271,250 | $ 175,000 |
| Bremerton-Silverdale, WA | 7 | $ 4,425,000 | $ 632,142 | $ 224,000 |
| Chattanooga, TN-GA | 7 | $ 2,495,000 | $ 356,428 | $ 298,571 |
| Cleveland, OH | 7 | $ 2,925,000 | $ 417,857 | $ 350,000 |
| Evansville, IN-KY | 7 | $ 1,795,000 | $ 256,428 | $ 280,000 |
| Kahului-Wailuku-Lahaina, HI | 7 | $ 12,475,000 | $ 1,782,142 | $ 215,000 |
| Knoxville, TN | 7 | $ 2,515,000 | $ 359,285 | $ 295,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 905,000 | $ 129,285 | $ 190,142 |
| Pittsburgh, PA | 7 | $ 2,955,000 | $ 422,142 | $ 402,000 |
| Wildwood-The Villages, FL | 7 | $ 1,505,000 | $ 215,000 | $ 107,000 |
| Boston, MA | 6 | $ 5,390,000 | $ 898,333 | $ 389,000 |
| Champaign-Urbana, IL | 6 | $ 1,300,000 | $ 216,666 | $ 265,000 |
| Columbia, MO | 6 | $ 1,500,000 | $ 250,000 | $ 167,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 840,000 | $ 140,000 | $ 160,333 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 11,340,000 | $ 1,890,000 | $ 1,405,000 |
| Logan, UT-ID | 6 | $ 3,950,000 | $ 658,333 | $ 261,000 |
| Olympia-Tumwater, WA | 6 | $ 2,420,000 | $ 403,333 | $ 191,000 |
| Portland-South Portland, ME | 6 | $ 21,690,000 | $ 3,615,000 | $ 2,418,000 |
| Sioux Falls, SD | 6 | $ 2,150,000 | $ 358,333 | $ 217,000 |
| St. George, UT | 6 | $ 4,800,000 | $ 800,000 | $ 751,000 |
| Albany, OR | 5 | $ 2,435,000 | $ 487,000 | $ 312,000 |
| Bozeman, MT | 5 | $ 10,325,000 | $ 2,065,000 | $ 1,197,000 |
| College Station-Bryan, TX | 5 | $ 975,000 | $ 195,000 | $ 523,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 955,000 | $ 191,000 | $ 144,000 |
| Gainesville, FL | 5 | $ 495,000 | $ 99,000 | $ 25,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 875,000 | $ 175,000 | $ 57,000 |
| Johnson City, TN | 5 | $ 1,235,000 | $ 247,000 | $ 139,000 |
| Lawrence, KS | 5 | $ 1,385,000 | $ 277,000 | $ 169,000 |
| Niles-Benton Harbor, MI | 5 | $ 4,165,000 | $ 833,000 | $ 863,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,765,000 | $ 353,000 | $ 166,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 1,455,000 | $ 291,000 | $ 214,000 |
| Redding, CA | 5 | $ 2,555,000 | $ 511,000 | $ 282,000 |
| Sierra Vista-Douglas, AZ | 5 | $ 885,000 | $ 177,000 | $ 173,000 |
| Terre Haute, IN | 5 | $ 605,000 | $ 121,000 | $ 75,000 |
| Topeka, KS | 5 | $ 875,000 | $ 175,000 | $ 71,000 |
| Wenatchee, WA | 5 | $ 2,305,000 | $ 461,000 | $ 251,000 |
| Columbia, SC | 4 | $ 330,000 | $ 82,500 | $ 29,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 860,000 | $ 215,000 | $ 224,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,710,000 | $ 427,500 | $ 180,000 |
| Homosassa Springs, FL | 4 | $ 450,000 | $ 112,500 | $ 100,000 |
| Huntington-Ashland, WV-KY-OH | 4 | $ 270,000 | $ 67,500 | $ 70,000 |
| Jackson, MS | 4 | $ 1,190,000 | $ 297,500 | $ 230,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 590,000 | $ 147,500 | $ 75,000 |
| New Haven-Milford, CT | 4 | $ 1,230,000 | $ 307,500 | $ 367,000 |
| Providence-Warwick, RI-MA | 4 | $ 2,270,000 | $ 567,500 | $ 258,000 |
| Richmond, VA | 4 | $ 1,230,000 | $ 307,500 | $ 399,000 |
| Savannah, GA | 4 | $ 1,660,000 | $ 415,000 | $ 243,000 |
| Sioux City, IA-NE-SD | 4 | $ 210,000 | $ 52,500 | $ 90,000 |
| Springfield, IL | 4 | $ 780,000 | $ 195,000 | $ 80,000 |
| Bloomington, IL | 3 | $ 1,175,000 | $ 391,666 | $ 158,000 |
| Burlington-South Burlington, VT | 3 | $ 2,465,000 | $ 821,666 | $ 222,000 |
| Columbus, IN | 3 | $ 285,000 | $ 95,000 | $ 109,000 |
| Corvallis, OR | 3 | $ 645,000 | $ 215,000 | $ 60,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,085,000 | $ 361,666 | $ 284,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 815,000 | $ 271,666 | $ 655,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 235,000 | $ 78,333 | $ 90,000 |
| El Centro, CA | 3 | $ 1,005,000 | $ 335,000 | $ 201,000 |
| Elkhart-Goshen, IN | 3 | $ 145,000 | $ 48,333 | $ 38,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 3,755,000 | $ 1,251,666 | $ 785,000 |
| Greensboro-High Point, NC | 3 | $ 1,155,000 | $ 385,000 | $ 267,000 |
| Idaho Falls, ID | 3 | $ 2,175,000 | $ 725,000 | $ 248,000 |
| Jackson, TN | 3 | $ 385,000 | $ 128,333 | $ 222,000 |
| Lafayette, LA | 3 | $ 3,605,000 | $ 1,201,666 | $ 393,000 |
| Lafayette-West Lafayette, IN | 3 | $ 715,000 | $ 238,333 | $ 146,000 |
| Lexington-Fayette, KY | 3 | $ 2,185,000 | $ 728,333 | $ 575,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 445,000 | $ 148,333 | $ 211,000 |
| Peoria, IL | 3 | $ 1,055,000 | $ 351,666 | $ 375,000 |
| Pittsfield, MA | 3 | $ 1,725,000 | $ 575,000 | $ 157,000 |
| Rockingham County-Strafford County, NH | 3 | $ 2,985,000 | $ 995,000 | $ 446,000 |
| Sebastian-Vero Beach, FL | 3 | $ 1,325,000 | $ 441,666 | $ 419,000 |
| Traverse City, MI | 3 | $ 3,305,000 | $ 1,101,666 | $ 131,000 |
| Twin Falls, ID | 3 | $ 1,065,000 | $ 355,000 | $ 198,000 |
| Urban Honolulu, HI | 3 | $ 9,615,000 | $ 3,205,000 | $ 2,512,000 |
| Wilmington, NC | 3 | $ 1,755,000 | $ 585,000 | $ 573,000 |
| Winston-Salem, NC | 3 | $ 1,475,000 | $ 491,666 | $ 64,000 |
| Akron, OH | 2 | $ 1,390,000 | $ 695,000 | $ 498,000 |
| Anchorage, AK | 2 | $ 990,000 | $ 495,000 | $ 234,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 4,610,000 | $ 2,305,000 | $ 3,400,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 250,000 | $ 125,000 | $ 183,000 |
| Barnstable Town, MA | 2 | $ 4,910,000 | $ 2,455,000 | $ 1,105,000 |
| Billings, MT | 2 | $ 770,000 | $ 385,000 | $ 316,000 |
| Charlottesville, VA | 2 | $ 550,000 | $ 275,000 | $ 753,000 |
| Coeur D'Alene, ID | 2 | $ 3,110,000 | $ 1,555,000 | $ 496,000 |
| Columbus, GA-AL | 2 | $ 3,140,000 | $ 1,570,000 | $ 995,000 |
| Corpus Christi, TX | 2 | $ 870,000 | $ 435,000 | $ 197,000 |
| Decatur, IL | 2 | $ 100,000 | $ 50,000 | $ 174,000 |
| El Paso, TX | 2 | $ 510,000 | $ 255,000 | $ 265,000 |
| Fayetteville, NC | 2 | $ 420,000 | $ 210,000 | $ 95,000 |
| Grand Forks, ND-MN | 2 | $ 850,000 | $ 425,000 | $ 295,000 |
| Hammond, LA | 2 | $ 90,000 | $ 45,000 | $ 100,000 |
| Helena, MT | 2 | $ 900,000 | $ 450,000 | $ 239,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 160,000 | $ 80,000 | $ 78,000 |
| Joplin, MO | 2 | $ 760,000 | $ 380,000 | $ 189,000 |
| Lawton, OK | 2 | $ 220,000 | $ 110,000 | $ 77,000 |
| Longview, TX | 2 | $ 610,000 | $ 305,000 | $ 85,000 |
| Missoula, MT | 2 | $ 150,000 | $ 75,000 | $ 184,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 1,300,000 | $ 650,000 | $ 491,000 |
| New Orleans-Metairie, LA | 2 | $ 1,510,000 | $ 755,000 | $ 492,000 |
| Panama City, FL | 2 | $ 960,000 | $ 480,000 | $ 43,000 |
| San Antonio-New Braunfels, TX | 2 | $ 260,000 | $ 130,000 | $ 187,000 |
| Tallahassee, FL | 2 | $ 330,000 | $ 165,000 | $ 265,000 |
| Tyler, TX | 2 | $ 1,770,000 | $ 885,000 | $ 524,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 330,000 | $ 165,000 | $ 296,500 |
| Waterloo-Cedar Falls, IA | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Watertown-Fort Drum, NY | 2 | $ 2,350,000 | $ 1,175,000 | $ 1,251,000 |
| Wilmington, DE-MD-NJ | 2 | $ 440,000 | $ 220,000 | $ 146,000 |
| Worcester, MA-CT | 2 | $ 470,000 | $ 235,000 | $ 301,000 |
| Yuma, AZ | 2 | $ 470,000 | $ 235,000 | $ 301,000 |
| Albany, GA | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 215,000 | $ 215,000 | $ 141,000 |
| Ann Arbor, MI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Asheville, NC | 1 | $ 285,000 | $ 285,000 | $ 30,000 |
| Baton Rouge, LA | 1 | $ 345,000 | $ 345,000 | $ 131,000 |
| Beckley, WV | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Binghamton, NY | 1 | $ 155,000 | $ 155,000 | $ 814,000 |
| Birmingham-Hoover, AL | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Bismarck, ND | 1 | $ 535,000 | $ 535,000 | $ 375,000 |
| Camden, NJ | 1 | $ 555,000 | $ 555,000 | $ 315,000 |
| Canton-Massillon, OH | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 35,000 | $ 35,000 | $ 129,000 |
| Cleveland, TN | 1 | $ 105,000 | $ 105,000 | $ 232,000 |
| Farmington, NM | 1 | $ 655,000 | $ 655,000 | $ 412,000 |
| Fort Wayne, IN | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Goldsboro, NC | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Grants Pass, OR | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Great Falls, MT | 1 | $ 115,000 | $ 115,000 | $ 250,000 |
| Greenville, NC | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 565,000 | $ 565,000 | $ 163,000 |
| Harrisburg-Carlisle, PA | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Hattiesburg, MS | 1 | $ 185,000 | $ 185,000 | $ 16,000 |
| Hot Springs, AR | 1 | $ 155,000 | $ 155,000 | $ 255,000 |
| Jefferson City, MO | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Kalamazoo-Portage, MI | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 475,000 | $ 475,000 | $ 140,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 325,000 | $ 325,000 | $ 825,000 |
| Lake Charles, LA | 1 | $ 65,000 | $ 65,000 | $ 234,000 |
| Lansing-East Lansing, MI | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Lewiston, ID-WA | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Lexington Park, MD | 1 | $ 65,000 | $ 65,000 | $ 288,000 |
| Lynchburg, VA | 1 | $ 65,000 | $ 65,000 | $ 325,000 |
| Macon-Bibb County, GA | 1 | $ 105,000 | $ 105,000 | $ 205,000 |
| Mankato-North Mankato, MN | 1 | $ 695,000 | $ 695,000 | $ 335,000 |
| Mansfield, OH | 1 | $ 615,000 | $ 615,000 | $ 717,000 |
| Morristown, TN | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Muncie, IN | 1 | $ 105,000 | $ 105,000 | $ 74,000 |
| Paducah, KY-IL | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Philadelphia, PA | 1 | $ 895,000 | $ 895,000 | $ 870,000 |
| Rochester, NY | 1 | $ 295,000 | $ 295,000 | $ 198,000 |
| Rome, GA | 1 | $ 215,000 | $ 215,000 | $ 111,000 |
| Saginaw, MI | 1 | $ 55,000 | $ 55,000 | $ 160,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Spartanburg, SC | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Staunton-Waynesboro, VA | 1 | $ 3,255,000 | $ 3,255,000 | $ 160,000 |
| Texarkana, TX-AR | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Toledo, OH | 1 | $ 175,000 | $ 175,000 | $ 96,000 |
| Valdosta, GA | 1 | $ 15,000 | $ 15,000 | $ 85,000 |
| Walla Walla, WA | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Warner Robins, GA | 1 | $ 225,000 | $ 225,000 | $ 522,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2025
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 | 10,844 | $1,884,700,000 | $173,000 | $6,705,000 | $152,000 | $5,885,000 |
| Home Purchase | 8,875 | $7,430,015,000 | $837,000 | $47,805,000 | $313,000 | $9,382,000 |
| Cash-out Refinancing | 8,428 | $2,315,690,000 | $274,000 | $15,005,000 | $154,000 | $6,012,000 |
| Other Purpose | 8,379 | $1,907,765,000 | $227,000 | $20,805,000 | $168,000 | $9,197,000 |
| Refinancing | 1,369 | $1,517,835,000 | $1,108,000 | $47,105,000 | $412,000 | $8,007,000 |
| 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 | 23,059 | $7,811,715,000 | $338,000 | $20,805,000 | $192,000 | $9,382,000 |
| Hispanic | 5,613 | $1,321,045,000 | $235,000 | $5,075,000 | $131,000 | $8,642,000 |
| Asian | 4,653 | $3,410,415,000 | $732,000 | $15,005,000 | $298,000 | $6,018,000 |
| Not Provided | 2,511 | $1,783,925,000 | $710,000 | $16,505,000 | $344,000 | $9,258,000 |
| Black or African American | 1,703 | $367,185,000 | $215,000 | $9,505,000 | $135,000 | $4,854,000 |
| American Indian or Alaskan Native | 245 | $53,375,000 | $217,000 | $1,845,000 | $144,000 | $2,060,000 |
| Native Hawaiian or Other Pacific Islander | 57 | $13,985,000 | $245,000 | $2,205,000 | $166,000 | $851,000 |
| Not applicable | 53 | $293,855,000 | $5,544,000 | $47,805,000 | $133,000 | $172,000 |
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) | 36,977 | $14,801,425,000 | $400,000 | $47,805,000 | $206,000 | $9,382,000 |
| FHA-insured (Federal Housing Administration) | 869 | $238,805,000 | $274,000 | $995,000 | $84,000 | $700,000 |
| VA-guaranteed (Veterans Administration) | 49 | $15,775,000 | $321,000 | $805,000 | $103,000 | $259,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 16,529 | $6,715,305,000 | $406,000 | $47,805,000 | $214,000 | $9,382,000 |
| Application Denied By Financial Institution | 11,613 | $3,623,095,000 | $311,000 | $20,805,000 | $152,000 | $9,258,000 |
| Application Withdrawn By Applicant | 4,396 | $2,409,300,000 | $548,000 | $14,005,000 | $284,000 | $8,282,000 |
| File Closed For Incompleteness | 2,576 | $667,760,000 | $259,000 | $8,505,000 | $222,000 | $7,210,000 |
| Preapproval Approved but not Accepted | 1,130 | $944,570,000 | $835,000 | $4,905,000 | $277,000 | $5,025,000 |
| Preapproval Denied by Financial Institution | 680 | $445,080,000 | $654,000 | $11,705,000 | $170,000 | $4,729,000 |
| Application Approved But Not Accepted | 547 | $128,985,000 | $235,000 | $4,095,000 | $157,000 | $1,948,000 |
| Loan Purchased By The Institution | 424 | $121,910,000 | $287,000 | $1,075,000 | $108,000 | $407,000 |
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 | 25,602 | $10,987,830,000 | $429,000 | $47,805,000 | $227,000 | $9,382,000 |
| Debt-To-Income Ratio | 6,347 | $2,218,865,000 | $349,000 | $16,505,000 | $101,000 | $2,447,000 |
| Credit History | 2,573 | $420,425,000 | $163,000 | $7,155,000 | $152,000 | $9,258,000 |
| Collateral | 1,163 | $368,205,000 | $316,000 | $9,505,000 | $224,000 | $6,012,000 |
| Credit Application Incomplete | 837 | $583,455,000 | $697,000 | $15,005,000 | $307,000 | $9,000,000 |
| Other | 706 | $247,630,000 | $350,000 | $20,805,000 | $248,000 | $7,000,000 |
| Unverifiable Information | 550 | $179,250,000 | $325,000 | $4,025,000 | $213,000 | $8,642,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 75 | $37,215,000 | $496,000 | $3,005,000 | $229,000 | $3,939,000 |
| Employment History | 42 | $13,130,000 | $312,000 | $1,415,000 | $89,000 | $589,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2025 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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