In 2011, BMO Harris Bank NA of Chicago, IL reported 13,292 mortgage applications totaling $2.8 billion. The average application was for $208,233, and applicants reported an average income of $134,990. 56% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (7,921), Milwaukee-Waukesha-West Allis, WI (878) and Lake County-Kenosha County, IL-WI (739) (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 | 13,292 |
| Total Mortgage Loan Application Amount | $2,767,837,000 |
| Average Mortgage Loan Application Amount | $208,233 |
| Highest Mortgage Loan Application Amount | $8,263,000 |
| Average Applicant Income | $134,990 |
| Highest Applicant Income | $9,644,000 |
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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Joliet-Naperville, IL | 7,921 | $ 1,586,949,000 | $ 200,347 | $ 124,000 |
| Milwaukee-Waukesha-West Allis, WI | 878 | $ 125,125,000 | $ 142,511 | $ 95,000 |
| Lake County-Kenosha County, IL-WI | 739 | $ 222,113,000 | $ 300,558 | $ 161,974 |
| Rockford, IL | 470 | $ 47,643,000 | $ 101,368 | $ 71,000 |
| Gary, IN | 421 | $ 67,463,000 | $ 160,244 | $ 89,000 |
| Indianapolis-Carmel, IN | 264 | $ 40,643,000 | $ 153,950 | $ 112,000 |
| Phoenix-Mesa-Glendale, AZ | 250 | $ 104,494,000 | $ 417,976 | $ 247,000 |
| Kokomo, IN | 157 | $ 15,042,000 | $ 95,808 | $ 61,000 |
| Madison, WI | 109 | $ 17,378,000 | $ 159,431 | $ 96,000 |
| Sheboygan, WI | 82 | $ 9,680,000 | $ 118,048 | $ 77,000 |
| Terre Haute, IN | 78 | $ 5,927,000 | $ 75,987 | $ 64,000 |
| Naples-Marco Island, FL | 63 | $ 36,489,000 | $ 579,190 | $ 419,000 |
| North Port-Bradenton-Sarasota, FL | 59 | $ 21,705,000 | $ 367,881 | $ 282,000 |
| Green Bay, WI | 52 | $ 4,650,000 | $ 89,423 | $ 66,000 |
| Seattle-Bellevue-Everett, WA | 48 | $ 30,908,000 | $ 643,916 | $ 280,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 35 | $ 17,697,000 | $ 505,628 | $ 454,000 |
| Cape Coral-Fort Myers, FL | 33 | $ 7,771,000 | $ 235,484 | $ 358,000 |
| Tucson, AZ | 33 | $ 9,976,000 | $ 302,303 | $ 189,000 |
| Kankakee-Bradley, IL | 26 | $ 3,473,000 | $ 133,576 | $ 65,000 |
| La Crosse, WI-MN | 22 | $ 2,897,000 | $ 131,681 | $ 59,000 |
| Racine, WI | 22 | $ 3,469,000 | $ 157,681 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 20 | $ 13,968,000 | $ 698,400 | $ 306,000 |
| Michigan City-La Porte, IN | 19 | $ 4,323,000 | $ 227,526 | $ 432,000 |
| Niles-Benton Harbor, MI | 18 | $ 7,548,000 | $ 419,333 | $ 520,000 |
| Sebastian-Vero Beach, FL | 18 | $ 7,517,000 | $ 417,611 | $ 188,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 3,736,000 | $ 207,555 | $ 208,000 |
| New York-White Plains-Wayne, NY-NJ | 16 | $ 9,841,000 | $ 615,062 | $ 2,254,875 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 8,010,000 | $ 534,000 | $ 300,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 12 | $ 3,171,000 | $ 264,250 | $ 177,666 |
| Bloomington, IN | 11 | $ 1,289,000 | $ 117,181 | $ 65,000 |
| Janesville, WI | 11 | $ 885,000 | $ 80,454 | $ 51,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 4,143,000 | $ 414,300 | $ 292,000 |
| Las Vegas-Paradise, NV | 10 | $ 1,269,000 | $ 126,900 | $ 113,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 6,164,000 | $ 616,400 | $ 239,100 |
| Peoria, IL | 9 | $ 1,887,000 | $ 209,666 | $ 76,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 2,409,000 | $ 267,666 | $ 195,555 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 1,752,000 | $ 219,000 | $ 160,000 |
| Prescott, AZ | 8 | $ 3,741,000 | $ 467,625 | $ 193,000 |
| Anderson, IN | 7 | $ 387,000 | $ 55,285 | $ 61,000 |
| Boston-Quincy, MA | 7 | $ 3,719,000 | $ 531,285 | $ 2,655,000 |
| Denver-Aurora-Broomfield, CO | 7 | $ 2,873,000 | $ 410,428 | $ 127,000 |
| Flagstaff, AZ | 7 | $ 5,051,000 | $ 721,571 | $ 350,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 641,000 | $ 91,571 | $ 180,000 |
| Port St. Lucie, FL | 7 | $ 2,711,000 | $ 387,285 | $ 771,000 |
| Austin-Round Rock-San Marcos, TX | 6 | $ 1,022,000 | $ 170,333 | $ 77,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 5,960,000 | $ 993,333 | $ 526,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 5,332,000 | $ 888,666 | $ 2,753,000 |
| St. Louis, MO-IL | 6 | $ 2,662,000 | $ 443,666 | $ 177,000 |
| Bloomington-Normal, IL | 5 | $ 555,000 | $ 111,000 | $ 122,000 |
| Charleston-North Charleston-Summerville, SC | 5 | $ 7,343,000 | $ 1,468,600 | $ 758,000 |
| Lafayette, IN | 5 | $ 643,000 | $ 128,600 | $ 79,000 |
| Salt Lake City, UT | 5 | $ 4,423,000 | $ 884,600 | $ 357,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 5,822,000 | $ 1,164,400 | $ 2,143,000 |
| Appleton, WI | 4 | $ 676,000 | $ 169,000 | $ 63,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,248,000 | $ 312,000 | $ 229,000 |
| Fond Du Lac, WI | 4 | $ 563,000 | $ 140,750 | $ 79,000 |
| Kansas City, MO-KS | 4 | $ 488,000 | $ 122,000 | $ 71,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 5,240,000 | $ 1,310,000 | $ 759,000 |
| Oshkosh-Neenah, WI | 4 | $ 686,000 | $ 171,500 | $ 65,000 |
| Philadelphia, PA | 4 | $ 1,344,000 | $ 336,000 | $ 114,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 5,378,000 | $ 1,344,500 | $ 820,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 3,992,000 | $ 998,000 | $ 399,000 |
| Asheville, NC | 3 | $ 858,000 | $ 286,000 | $ 306,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 1,005,000 | $ 335,000 | $ 102,000 |
| Boulder, CO | 3 | $ 2,815,000 | $ 938,333 | $ 392,000 |
| Dayton, OH | 3 | $ 513,000 | $ 171,000 | $ 277,000 |
| El Paso, TX | 3 | $ 790,000 | $ 263,333 | $ 139,000 |
| Jacksonville, FL | 3 | $ 592,000 | $ 197,333 | $ 235,000 |
| Kalamazoo-Portage, MI | 3 | $ 398,000 | $ 132,666 | $ 318,000 |
| Lakeland-Winter Haven, FL | 3 | $ 267,000 | $ 89,000 | $ 41,000 |
| Nassau-Suffolk, NY | 3 | $ 2,380,000 | $ 793,333 | $ 296,000 |
| New Orleans-Metairie-Kenner, LA | 3 | $ 1,476,000 | $ 492,000 | $ 313,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,264,000 | $ 421,333 | $ 559,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,683,000 | $ 561,000 | $ 924,333 |
| Punta Gorda, FL | 3 | $ 377,000 | $ 125,666 | $ 107,000 |
| Tulsa, OK | 3 | $ 762,000 | $ 254,000 | $ 144,000 |
| Albuquerque, NM | 2 | $ 330,000 | $ 165,000 | $ 82,000 |
| Anchorage, AK | 2 | $ 619,000 | $ 309,500 | $ 313,000 |
| Baltimore-Towson, MD | 2 | $ 451,000 | $ 225,500 | $ 81,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 512,000 | $ 256,000 | $ 32,000 |
| Bremerton-Silverdale, WA | 2 | $ 733,000 | $ 366,500 | $ 427,000 |
| Burlington-South Burlington, VT | 2 | $ 428,000 | $ 214,000 | $ 140,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 690,000 | $ 345,000 | $ 282,000 |
| Clarksville, TN-KY | 2 | $ 110,000 | $ 55,000 | $ 68,000 |
| Coeur D'Alene, ID | 2 | $ 1,555,000 | $ 777,500 | $ 204,000 |
| Des Moines-West Des Moines, IA | 2 | $ 475,000 | $ 237,500 | $ 208,000 |
| Eau Claire, WI | 2 | $ 701,000 | $ 350,500 | $ 145,000 |
| Fort Collins-Loveland, CO | 2 | $ 299,000 | $ 149,500 | $ 110,000 |
| Las Cruces, NM | 2 | $ 464,000 | $ 232,000 | $ 153,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 425,000 | $ 212,500 | $ 246,000 |
| Modesto, CA | 2 | $ 1,508,000 | $ 754,000 | $ 378,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 2,917,000 | $ 1,458,500 | $ 139,000 |
| Richmond, VA | 2 | $ 1,663,000 | $ 831,500 | $ 907,000 |
| Rochester, MN | 2 | $ 991,000 | $ 495,500 | $ 113,000 |
| Rockingham County-Strafford County, NH | 2 | $ 627,000 | $ 313,500 | $ 146,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 380,000 | $ 190,000 | $ 645,000 |
| San Antonio-New Braunfels, TX | 2 | $ 151,000 | $ 75,500 | $ 38,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 2,000,000 | $ 1,000,000 | $ 169,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 1,149,000 | $ 574,500 | $ 217,000 |
| Tallahassee, FL | 2 | $ 184,000 | $ 92,000 | $ 165,000 |
| Wausau, WI | 2 | $ 395,000 | $ 197,500 | $ 225,000 |
| Wilmington, NC | 2 | $ 865,000 | $ 432,500 | $ 274,000 |
| Ames, IA | 1 | $ 300,000 | $ 300,000 | $ 118,000 |
| Barnstable Town, MA | 1 | $ 600,000 | $ 600,000 | $ 292,000 |
| Bend, OR | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 116,000 | $ 116,000 | $ 103,000 |
| Chattanooga, TN-GA | 1 | $ 74,000 | $ 74,000 | $ 89,000 |
| Colorado Springs, CO | 1 | $ 168,000 | $ 168,000 | $ 184,000 |
| Columbia, SC | 1 | $ 294,000 | $ 294,000 | $ 115,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 82,000 | $ 82,000 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 161,000 | $ 161,000 | $ 172,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 50,000 | $ 50,000 | $ 94,000 |
| Dubuque, IA | 1 | $ 70,000 | $ 70,000 | $ 100,000 |
| Duluth, MN-WI | 1 | $ 417,000 | $ 417,000 | $ 128,000 |
| Edison-New Brunswick, NJ | 1 | $ 417,000 | $ 417,000 | $ 149,000 |
| Elkhart-Goshen, IN | 1 | $ 174,000 | $ 174,000 | $ 36,000 |
| Erie, PA | 1 | $ 259,000 | $ 259,000 | $ 170,000 |
| Evansville, IN-KY | 1 | $ 94,000 | $ 94,000 | $ 26,000 |
| Fort Smith, AR-OK | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Fort Wayne, IN | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Fort Worth-Arlington, TX | 1 | $ 80,000 | $ 80,000 | $ 37,000 |
| Grand Forks, ND-MN | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 49,000 | $ 49,000 | $ 99,000 |
| Holland-Grand Haven, MI | 1 | $ 417,000 | $ 417,000 | $ 99,000 |
| Honolulu, HI | 1 | $ 204,000 | $ 204,000 | $ 196,000 |
| Iowa City, IA | 1 | $ 65,000 | $ 65,000 | $ 137,000 |
| Joplin, MO | 1 | $ 24,000 | $ 24,000 | $ 21,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 174,000 | $ 174,000 | $ 70,000 |
| Knoxville, TN | 1 | $ 229,000 | $ 229,000 | $ 527,000 |
| Lansing-East Lansing, MI | 1 | $ 99,000 | $ 99,000 | $ 81,000 |
| Memphis, TN-MS-AR | 1 | $ 193,000 | $ 193,000 | $ 132,000 |
| Missoula, MT | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Muncie, IN | 1 | $ 60,000 | $ 60,000 | $ 59,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 530,000 | $ 530,000 | $ 556,000 |
| Newark-Union, NJ-PA | 1 | $ 1,480,000 | $ 1,480,000 | $ 400,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 400,000 | $ 400,000 | $ 450,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Palm Coast, FL | 1 | $ 930,000 | $ 930,000 | $ 198,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 718,000 | $ 718,000 | $ 1,030,000 |
| Provo-Orem, UT | 1 | $ 245,000 | $ 245,000 | $ 300,000 |
| Raleigh-Cary, NC | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 920,000 | $ 920,000 | $ 275,000 |
| Sandusky, OH | 1 | $ 563,000 | $ 563,000 | $ 80,000 |
| Santa Fe, NM | 1 | $ 784,000 | $ 784,000 | $ 514,000 |
| Springfield, IL | 1 | $ 76,000 | $ 76,000 | $ 149,000 |
| Springfield, MA | 1 | $ 860,000 | $ 860,000 | $ 410,000 |
| Springfield, MO | 1 | $ 81,000 | $ 81,000 | $ 41,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 338,000 | $ 338,000 | $ 290,000 |
| Wilmington, DE-MD-NJ | 1 | $ 1,000,000 | $ 1,000,000 | $ 500,000 |
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 |
|---|---|---|---|---|---|---|
| Refinancing | 10,676 | $2,236,900,000 | $209,000 | $8,263,000 | $135,000 | $8,000,000 |
| Home Purchase | 2,298 | $506,916,000 | $220,000 | $5,000,000 | $142,000 | $9,644,000 |
| Home Improvement | 318 | $24,021,000 | $75,000 | $1,150,000 | $84,000 | $1,262,000 |
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 | 9,088 | $1,754,997,000 | $193,000 | $6,157,000 | $127,000 | $8,000,000 |
| Not Provided | 2,221 | $704,831,000 | $317,000 | $4,500,000 | $218,000 | $9,644,000 |
| Hispanic | 1,018 | $123,547,000 | $121,000 | $1,500,000 | $70,000 | $3,820,000 |
| Black or African American | 454 | $55,879,000 | $123,000 | $868,000 | $70,000 | $616,000 |
| Asian | 399 | $93,910,000 | $235,000 | $2,100,000 | $143,000 | $2,755,000 |
| Not applicable | 79 | $27,485,000 | $347,000 | $8,263,000 | $0 | $0 |
| American Indian or Alaskan Native | 19 | $4,549,000 | $239,000 | $1,000,000 | $86,000 | $236,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,639,000 | $188,000 | $417,000 | $102,000 | $275,000 |
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) | 12,621 | $2,677,374,000 | $212,000 | $8,263,000 | $139,000 | $9,644,000 |
| FHA-insured (Federal Housing Administration) | 671 | $90,463,000 | $134,000 | $581,000 | $58,000 | $305,000 |
| 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 | 7,439 | $1,527,488,000 | $205,000 | $8,263,000 | $147,000 | $7,572,000 |
| Application Denied By Financial Institution | 2,310 | $439,013,000 | $190,000 | $4,800,000 | $97,000 | $8,000,000 |
| Application Withdrawn By Applicant | 1,982 | $482,393,000 | $243,000 | $4,500,000 | $143,000 | $9,644,000 |
| File Closed For Incompleteness | 712 | $163,029,000 | $228,000 | $1,610,000 | $156,000 | $7,572,000 |
| Application Approved But Not Accepted | 430 | $91,182,000 | $212,000 | $3,000,000 | $151,000 | $2,755,000 |
| Preapproval Denied by Financial Institution | 360 | $51,916,000 | $144,000 | $1,300,000 | $63,000 | $931,000 |
| Loan Purchased By The Institution | 59 | $12,816,000 | $217,000 | $417,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 926 | $186,274,000 | $201,000 | $4,800,000 | $116,000 | $2,273,000 |
| Debt-To-Income Ratio | 918 | $179,491,000 | $195,000 | $2,893,000 | $64,000 | $814,000 |
| Credit History | 512 | $71,755,000 | $140,000 | $3,675,000 | $78,000 | $948,000 |
| Other | 114 | $16,254,000 | $142,000 | $999,000 | $103,000 | $911,000 |
| Unverifiable Information | 75 | $15,769,000 | $210,000 | $1,810,000 | $223,000 | $8,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 57 | $11,118,000 | $195,000 | $1,680,000 | $86,000 | $635,000 |
| Employment History | 48 | $6,474,000 | $134,000 | $417,000 | $79,000 | $688,000 |
| Credit Application Incomplete | 19 | $3,760,000 | $197,000 | $642,000 | $273,000 | $3,471,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2011 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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