BMO Harris Bank NA Mortgage Lending & HMDA Data, 2018
In 2018, BMO Harris Bank NA of Chicago, IL reported 34,689 mortgage applications totaling $6.2 billion, up 48% from 2017. The average application was for $177,939, and applicants reported an average income of $120,452. 51% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Chicago-Naperville-Arlington Heights, IL (11,119), Milwaukee-Waukesha-West Allis, WI (3,463) and Phoenix-Mesa-Scottsdale, AZ (2,026) (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 | 34,689 |
| Total Mortgage Loan Application Amount | $6,172,545,000 |
| Average Mortgage Loan Application Amount | $177,939 |
| Highest Mortgage Loan Application Amount | $51,005,000 |
| Average Applicant Income | $120,452 |
| Highest Applicant Income | $8,365,000 |
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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Arlington Heights, IL | 11,119 | $ 1,704,655,000 | $ 153,310 | $ 123,000 |
| Milwaukee-Waukesha-West Allis, WI | 3,463 | $ 498,815,000 | $ 144,041 | $ 111,000 |
| Outside any metro area | 3,052 | $ 405,670,000 | $ 132,919 | $ 107,519 |
| Phoenix-Mesa-Scottsdale, AZ | 2,026 | $ 464,730,000 | $ 229,383 | $ 143,000 |
| Indianapolis-Carmel-Anderson, IN | 1,661 | $ 201,695,000 | $ 121,429 | $ 89,000 |
| Lake County-Kenosha County, IL-WI | 1,495 | $ 317,595,000 | $ 212,438 | $ 140,897 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,176 | $ 272,830,000 | $ 231,998 | $ 133,891 |
| Elgin, IL | 1,134 | $ 134,460,000 | $ 118,571 | $ 98,000 |
| Madison, WI | 1,012 | $ 165,270,000 | $ 163,310 | $ 124,000 |
| Gary, IN | 749 | $ 69,385,000 | $ 92,636 | $ 83,000 |
| Green Bay, WI | 641 | $ 75,435,000 | $ 117,683 | $ 87,000 |
| Kansas City, MO-KS | 581 | $ 85,715,000 | $ 147,530 | $ 93,540 |
| Rockford, IL | 513 | $ 36,495,000 | $ 71,140 | $ 70,000 |
| North Port-Sarasota-Bradenton, FL | 483 | $ 113,505,000 | $ 235,000 | $ 149,000 |
| St. Louis, MO-IL | 476 | $ 73,640,000 | $ 154,705 | $ 133,285 |
| Appleton, WI | 347 | $ 47,205,000 | $ 136,037 | $ 101,000 |
| Janesville-Beloit, WI | 330 | $ 29,490,000 | $ 89,363 | $ 81,000 |
| Racine, WI | 326 | $ 35,780,000 | $ 109,754 | $ 91,000 |
| Sheboygan, WI | 261 | $ 27,115,000 | $ 103,888 | $ 80,000 |
| Kokomo, IN | 215 | $ 17,135,000 | $ 79,697 | $ 65,000 |
| Tucson, AZ | 214 | $ 37,000,000 | $ 172,897 | $ 110,000 |
| Wausau, WI | 191 | $ 19,725,000 | $ 103,272 | $ 84,000 |
| Oshkosh-Neenah, WI | 178 | $ 25,320,000 | $ 142,247 | $ 103,000 |
| Prescott, AZ | 158 | $ 31,650,000 | $ 200,316 | $ 111,000 |
| Tampa-St. Petersburg-Clearwater, FL | 145 | $ 27,625,000 | $ 190,517 | $ 141,000 |
| Fond Du Lac, WI | 140 | $ 21,260,000 | $ 151,857 | $ 69,000 |
| Naples-Immokalee-Marco Island, FL | 134 | $ 58,070,000 | $ 433,358 | $ 232,000 |
| Cape Coral-Fort Myers, FL | 118 | $ 36,630,000 | $ 310,423 | $ 220,000 |
| Eau Claire, WI | 117 | $ 14,625,000 | $ 125,000 | $ 93,000 |
| La Crosse-Onalaska, WI-MN | 96 | $ 9,600,000 | $ 100,000 | $ 79,625 |
| Duluth, MN-WI | 79 | $ 6,545,000 | $ 82,848 | $ 89,632 |
| Los Angeles-Long Beach-Glendale, CA | 75 | $ 82,665,000 | $ 1,102,200 | $ 395,000 |
| Denver-Aurora-Lakewood, CO | 56 | $ 41,710,000 | $ 744,821 | $ 344,000 |
| Seattle-Bellevue-Everett, WA | 55 | $ 38,775,000 | $ 705,000 | $ 182,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 46 | $ 41,100,000 | $ 893,478 | $ 128,000 |
| Anaheim-Santa Ana-Irvine, CA | 43 | $ 54,725,000 | $ 1,272,674 | $ 734,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 43 | $ 49,705,000 | $ 1,155,930 | $ 348,000 |
| Orlando-Kissimmee-Sanford, FL | 42 | $ 15,890,000 | $ 378,333 | $ 170,000 |
| Oakland-Hayward-Berkeley, CA | 41 | $ 31,685,000 | $ 772,804 | $ 180,000 |
| Punta Gorda, FL | 40 | $ 6,450,000 | $ 161,250 | $ 97,000 |
| Riverside-San Bernardino-Ontario, CA | 37 | $ 19,505,000 | $ 527,162 | $ 286,000 |
| San Diego-Carlsbad, CA | 33 | $ 27,815,000 | $ 842,878 | $ 982,000 |
| Las Vegas-Henderson-Paradise, NV | 29 | $ 8,325,000 | $ 287,068 | $ 195,000 |
| Kankakee, IL | 28 | $ 2,790,000 | $ 99,642 | $ 98,000 |
| San Francisco-Redwood City-South San Francisco, CA | 28 | $ 25,360,000 | $ 905,714 | $ 529,000 |
| Atlanta-Sandy Springs-Roswell, GA | 27 | $ 11,335,000 | $ 419,814 | $ 121,000 |
| Flagstaff, AZ | 26 | $ 8,790,000 | $ 338,076 | $ 252,000 |
| Miami-Miami Beach-Kendall, FL | 25 | $ 28,795,000 | $ 1,151,800 | $ 696,000 |
| Charlotte-Concord-Gastonia, NC-SC | 24 | $ 15,590,000 | $ 649,583 | $ 198,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 24 | $ 12,690,000 | $ 528,750 | $ 218,708 |
| St. Joseph, MO-KS | 24 | $ 2,460,000 | $ 102,500 | $ 90,000 |
| Houston-The Woodlands-Sugar Land, TX | 22 | $ 31,910,000 | $ 1,450,454 | $ 392,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 21 | $ 9,575,000 | $ 455,952 | $ 1,145,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 14,055,000 | $ 669,285 | $ 196,571 |
| Michigan City-La Porte, IN | 20 | $ 3,960,000 | $ 198,000 | $ 98,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 19 | $ 9,785,000 | $ 515,000 | $ 317,000 |
| New York-Jersey City-White Plains, NY-NJ | 19 | $ 16,815,000 | $ 885,000 | $ 339,000 |
| Bloomington, IN | 17 | $ 1,995,000 | $ 117,352 | $ 118,000 |
| Terre Haute, IN | 17 | $ 1,595,000 | $ 93,823 | $ 70,000 |
| Jacksonville, FL | 16 | $ 6,810,000 | $ 425,625 | $ 102,000 |
| Dallas-Plano-Irving, TX | 15 | $ 8,535,000 | $ 569,000 | $ 189,000 |
| Cincinnati, OH-KY-IN | 14 | $ 1,500,000 | $ 107,142 | $ 82,928 |
| Sacramento--Roseville--Arden-Arcade, CA | 14 | $ 6,130,000 | $ 437,857 | $ 165,000 |
| Newark, NJ-PA | 13 | $ 10,495,000 | $ 807,307 | $ 383,000 |
| Springfield, MO | 13 | $ 1,885,000 | $ 145,000 | $ 124,000 |
| Charleston-North Charleston, SC | 12 | $ 9,480,000 | $ 790,000 | $ 319,000 |
| Sebastian-Vero Beach, FL | 11 | $ 4,285,000 | $ 389,545 | $ 242,000 |
| Austin-Round Rock, TX | 10 | $ 5,940,000 | $ 594,000 | $ 302,000 |
| Bellingham, WA | 10 | $ 4,830,000 | $ 483,000 | $ 192,000 |
| Columbus, OH | 10 | $ 2,310,000 | $ 231,000 | $ 79,000 |
| Lakeland-Winter Haven, FL | 10 | $ 800,000 | $ 80,000 | $ 59,000 |
| Montgomery County-Bucks County-Chester County, PA | 10 | $ 4,600,000 | $ 460,000 | $ 106,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 5,370,000 | $ 537,000 | $ 196,000 |
| Warren-Troy-Farmington Hills, MI | 10 | $ 6,000,000 | $ 600,000 | $ 188,000 |
| Boston, MA | 9 | $ 7,165,000 | $ 796,111 | $ 145,000 |
| Cambridge-Newton-Framingham, MA | 9 | $ 6,595,000 | $ 732,777 | $ 698,000 |
| Champaign-Urbana, IL | 9 | $ 1,565,000 | $ 173,888 | $ 128,000 |
| Lafayette-West Lafayette, IN | 9 | $ 635,000 | $ 70,555 | $ 49,000 |
| Peoria, IL | 9 | $ 495,000 | $ 55,000 | $ 52,000 |
| Asheville, NC | 8 | $ 5,420,000 | $ 677,500 | $ 305,000 |
| Daphne-Fairhope-Foley, AL | 8 | $ 2,800,000 | $ 350,000 | $ 301,000 |
| Fort Wayne, IN | 8 | $ 980,000 | $ 122,500 | $ 74,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 2,190,000 | $ 273,750 | $ 146,000 |
| Tacoma-Lakewood, WA | 8 | $ 4,930,000 | $ 616,250 | $ 247,000 |
| Homosassa Springs, FL | 7 | $ 935,000 | $ 133,571 | $ 126,000 |
| Panama City, FL | 7 | $ 1,155,000 | $ 165,000 | $ 117,000 |
| The Villages, FL | 7 | $ 1,365,000 | $ 195,000 | $ 154,000 |
| Bloomington, IL | 6 | $ 620,000 | $ 103,333 | $ 63,000 |
| Cleveland-Elyria, OH | 6 | $ 1,760,000 | $ 293,333 | $ 137,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 1,250,000 | $ 208,333 | $ 110,000 |
| Durham-Chapel Hill, NC | 6 | $ 3,890,000 | $ 648,333 | $ 233,000 |
| Gainesville, FL | 6 | $ 2,460,000 | $ 410,000 | $ 362,000 |
| Joplin, MO | 6 | $ 1,650,000 | $ 275,000 | $ 199,000 |
| Lawrence, KS | 6 | $ 1,110,000 | $ 185,000 | $ 245,000 |
| Niles-Benton Harbor, MI | 6 | $ 1,860,000 | $ 310,000 | $ 224,000 |
| Olympia-Tumwater, WA | 6 | $ 2,180,000 | $ 363,333 | $ 132,000 |
| Rockingham County-Strafford County, NH | 6 | $ 4,690,000 | $ 781,666 | $ 2,764,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 1,480,000 | $ 246,666 | $ 292,000 |
| St. Cloud, MN | 6 | $ 520,000 | $ 86,666 | $ 88,000 |
| Topeka, KS | 6 | $ 1,130,000 | $ 188,333 | $ 128,000 |
| Albuquerque, NM | 5 | $ 2,185,000 | $ 437,000 | $ 194,000 |
| Boise City, ID | 5 | $ 2,085,000 | $ 417,000 | $ 140,000 |
| Fort Collins, CO | 5 | $ 1,445,000 | $ 289,000 | $ 345,000 |
| Fresno, CA | 5 | $ 3,305,000 | $ 661,000 | $ 191,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 915,000 | $ 183,000 | $ 122,400 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 1,105,000 | $ 221,000 | $ 125,000 |
| Philadelphia, PA | 5 | $ 2,585,000 | $ 517,000 | $ 123,000 |
| Pittsburgh, PA | 5 | $ 1,045,000 | $ 209,000 | $ 94,000 |
| Rochester, MN | 5 | $ 1,425,000 | $ 285,000 | $ 383,000 |
| San Rafael, CA | 5 | $ 2,385,000 | $ 477,000 | $ 109,000 |
| Sierra Vista-Douglas, AZ | 5 | $ 955,000 | $ 191,000 | $ 116,000 |
| Spokane-Spokane Valley, WA | 5 | $ 1,305,000 | $ 261,000 | $ 97,000 |
| Tallahassee, FL | 5 | $ 1,685,000 | $ 337,000 | $ 274,000 |
| Ann Arbor, MI | 4 | $ 1,710,000 | $ 427,500 | $ 397,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 2,380,000 | $ 595,000 | $ 265,000 |
| Birmingham-Hoover, AL | 4 | $ 3,170,000 | $ 792,500 | $ 176,000 |
| Boulder, CO | 4 | $ 4,300,000 | $ 1,075,000 | $ 61,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 2,500,000 | $ 625,000 | $ 282,000 |
| Brunswick, GA | 4 | $ 4,650,000 | $ 1,162,500 | $ 0 |
| Columbia, SC | 4 | $ 1,280,000 | $ 320,000 | $ 65,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 3,070,000 | $ 767,500 | $ 263,000 |
| Des Moines-West Des Moines, IA | 4 | $ 15,660,000 | $ 3,915,000 | $ 132,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 860,000 | $ 215,000 | $ 110,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 2,660,000 | $ 665,000 | $ 72,000 |
| Knoxville, TN | 4 | $ 930,000 | $ 232,500 | $ 100,000 |
| Memphis, TN-MS-AR | 4 | $ 1,080,000 | $ 270,000 | $ 152,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,250,000 | $ 312,500 | $ 153,500 |
| New Orleans-Metairie, LA | 4 | $ 2,120,000 | $ 530,000 | $ 0 |
| Ocala, FL | 4 | $ 410,000 | $ 102,500 | $ 69,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 3,810,000 | $ 952,500 | $ 217,000 |
| Richmond, VA | 4 | $ 610,000 | $ 152,500 | $ 96,000 |
| Salt Lake City, UT | 4 | $ 2,670,000 | $ 667,500 | $ 256,000 |
| Santa Rosa, CA | 4 | $ 5,740,000 | $ 1,435,000 | $ 822,000 |
| Toledo, OH | 4 | $ 490,000 | $ 122,500 | $ 82,000 |
| Wichita, KS | 4 | $ 1,660,000 | $ 415,000 | $ 247,000 |
| Winston-Salem, NC | 4 | $ 430,000 | $ 107,500 | $ 83,000 |
| Anchorage, AK | 3 | $ 1,095,000 | $ 365,000 | $ 1,547,000 |
| Barnstable Town, MA | 3 | $ 1,955,000 | $ 651,666 | $ 139,000 |
| Bremerton-Silverdale, WA | 3 | $ 3,135,000 | $ 1,045,000 | $ 454,000 |
| Chattanooga, TN-GA | 3 | $ 385,000 | $ 128,333 | $ 104,000 |
| Clarksville, TN-KY | 3 | $ 245,000 | $ 81,666 | $ 54,333 |
| Colorado Springs, CO | 3 | $ 1,205,000 | $ 401,666 | $ 74,000 |
| Columbia, MO | 3 | $ 565,000 | $ 188,333 | $ 47,000 |
| Columbus, IN | 3 | $ 335,000 | $ 111,666 | $ 60,000 |
| Dubuque, IA | 3 | $ 315,000 | $ 105,000 | $ 105,000 |
| Evansville, IN-KY | 3 | $ 585,000 | $ 195,000 | $ 121,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,805,000 | $ 601,666 | $ 604,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 1,125,000 | $ 375,000 | $ 208,000 |
| Mankato-North Mankato, MN | 3 | $ 1,065,000 | $ 355,000 | $ 351,000 |
| Muncie, IN | 3 | $ 235,000 | $ 78,333 | $ 137,000 |
| New Haven-Milford, CT | 3 | $ 1,655,000 | $ 551,666 | $ 401,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 735,000 | $ 245,000 | $ 51,000 |
| Port St. Lucie, FL | 3 | $ 525,000 | $ 175,000 | $ 142,000 |
| Portland-South Portland, ME | 3 | $ 1,585,000 | $ 528,333 | $ 80,000 |
| Provo-Orem, UT | 3 | $ 2,105,000 | $ 701,666 | $ 205,000 |
| Reno, NV | 3 | $ 2,035,000 | $ 678,333 | $ 504,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 2,415,000 | $ 805,000 | $ 0 |
| Silver Spring-Frederick-Rockville, MD | 3 | $ 2,675,000 | $ 891,666 | $ 0 |
| Tulsa, OK | 3 | $ 855,000 | $ 285,000 | $ 178,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,025,000 | $ 341,666 | $ 351,000 |
| York-Hanover, PA | 3 | $ 525,000 | $ 175,000 | $ 87,000 |
| Akron, OH | 2 | $ 130,000 | $ 65,000 | $ 78,000 |
| Coeur D'Alene, ID | 2 | $ 1,790,000 | $ 895,000 | $ 404,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 130,000 | $ 65,000 | $ 25,000 |
| Dothan, AL | 2 | $ 290,000 | $ 145,000 | $ 250,000 |
| Gainesville, GA | 2 | $ 510,000 | $ 255,000 | $ 61,000 |
| Greensboro-High Point, NC | 2 | $ 690,000 | $ 345,000 | $ 100,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 12,530,000 | $ 6,265,000 | $ 158,000 |
| Huntsville, AL | 2 | $ 530,000 | $ 265,000 | $ 83,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 2,890,000 | $ 1,445,000 | $ 917,000 |
| Kalamazoo-Portage, MI | 2 | $ 310,000 | $ 155,000 | $ 58,000 |
| Longview, WA | 2 | $ 440,000 | $ 220,000 | $ 71,000 |
| Manchester-Nashua, NH | 2 | $ 910,000 | $ 455,000 | $ 200,000 |
| Manhattan, KS | 2 | $ 520,000 | $ 260,000 | $ 189,000 |
| Mansfield, OH | 2 | $ 160,000 | $ 80,000 | $ 40,000 |
| Monroe, MI | 2 | $ 240,000 | $ 120,000 | $ 79,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 750,000 | $ 375,000 | $ 157,000 |
| Oklahoma City, OK | 2 | $ 1,010,000 | $ 505,000 | $ 240,000 |
| Pittsfield, MA | 2 | $ 460,000 | $ 230,000 | $ 300,000 |
| Salinas, CA | 2 | $ 3,970,000 | $ 1,985,000 | $ 784,000 |
| San Antonio-New Braunfels, TX | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 2 | $ 260,000 | $ 130,000 | $ 166,000 |
| Stockton-Lodi, CA | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Urban Honolulu, HI | 2 | $ 1,160,000 | $ 580,000 | $ 360,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 365,000 | $ 365,000 | $ 300,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Auburn-Opelika, AL | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 28,215,000 | $ 28,215,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Bowling Green, KY | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Burlington-South Burlington, VT | 1 | $ 245,000 | $ 245,000 | $ 208,000 |
| Camden, NJ | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 545,000 | $ 545,000 | $ 422,000 |
| Carbondale-Marion, IL | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Charleston, WV | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| College Station-Bryan, TX | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Dayton, OH | 1 | $ 125,000 | $ 125,000 | $ 182,000 |
| Decatur, IL | 1 | $ 2,715,000 | $ 2,715,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Eugene, OR | 1 | $ 385,000 | $ 385,000 | $ 220,000 |
| Fargo, ND-MN | 1 | $ 35,000 | $ 35,000 | $ 240,000 |
| Farmington, NM | 1 | $ 645,000 | $ 645,000 | $ 550,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Flint, MI | 1 | $ 45,000 | $ 45,000 | $ 110,000 |
| Florence-Muscle Shoals, AL | 1 | $ 125,000 | $ 125,000 | $ 21,000 |
| Fort Smith, AR-OK | 1 | $ 115,000 | $ 115,000 | $ 84,000 |
| Goldsboro, NC | 1 | $ 95,000 | $ 95,000 | $ 140,000 |
| Greeley, CO | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Houma-Thibodaux, LA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Jackson, TN | 1 | $ 75,000 | $ 75,000 | $ 85,000 |
| Lancaster, PA | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 805,000 | $ 805,000 | $ 698,000 |
| Lincoln, NE | 1 | $ 125,000 | $ 125,000 | $ 129,000 |
| Logan, UT-ID | 1 | $ 235,000 | $ 235,000 | $ 174,000 |
| Madera, CA | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 315,000 | $ 315,000 | $ 144,000 |
| Medford, OR | 1 | $ 855,000 | $ 855,000 | $ 199,000 |
| Midland, TX | 1 | $ 525,000 | $ 525,000 | $ 425,000 |
| Morristown, TN | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Ocean City, NJ | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Providence-Warwick, RI-MA | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Raleigh, NC | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Roanoke, VA | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Saginaw, MI | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Salem, OR | 1 | $ 55,000 | $ 55,000 | $ 91,000 |
| Salisbury, MD-DE | 1 | $ 545,000 | $ 545,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Santa Fe, NM | 1 | $ 525,000 | $ 525,000 | $ 131,000 |
| Sebring, FL | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Shreveport-Bossier City, LA | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Sioux Falls, SD | 1 | $ 305,000 | $ 305,000 | $ 70,000 |
| Spartanburg, SC | 1 | $ 65,000 | $ 65,000 | $ 71,000 |
| Springfield, OH | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| St. George, UT | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| State College, PA | 1 | $ 205,000 | $ 205,000 | $ 86,000 |
| Tuscaloosa, AL | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Twin Falls, ID | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Vallejo-Fairfield, CA | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Yuma, AZ | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 9,202 | $1,535,880,000 | $166,000 | $12,005,000 | $112,000 | $6,484,000 |
| Other Purpose | 9,094 | $936,540,000 | $102,000 | $4,305,000 | $114,000 | $7,456,000 |
| Home Purchase | 6,714 | $2,173,440,000 | $323,000 | $51,005,000 | $148,000 | $8,023,000 |
| Refinancing | 5,149 | $952,705,000 | $185,000 | $15,855,000 | $122,000 | $8,365,000 |
| Home Improvement | 4,198 | $340,670,000 | $81,000 | $1,995,000 | $107,000 | $5,777,000 |
| Not Applicable | 332 | $233,310,000 | $702,000 | $1,915,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 25,988 | $4,024,130,000 | $154,000 | $6,005,000 | $119,000 | $6,484,000 |
| Hispanic | 3,019 | $318,495,000 | $105,000 | $1,805,000 | $72,000 | $1,032,000 |
| Not Provided | 2,087 | $647,655,000 | $310,000 | $15,855,000 | $217,000 | $8,365,000 |
| Asian | 1,400 | $280,570,000 | $200,000 | $3,005,000 | $137,000 | $5,368,000 |
| Black or African American | 1,349 | $146,775,000 | $108,000 | $11,215,000 | $85,000 | $1,260,000 |
| Not applicable | 667 | $730,655,000 | $1,095,000 | $51,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 125 | $15,635,000 | $125,000 | $1,005,000 | $125,000 | $4,200,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $3,185,000 | $127,000 | $305,000 | $96,000 | $229,000 |
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) | 34,141 | $6,090,275,000 | $178,000 | $51,005,000 | $121,000 | $8,365,000 |
| FHA-insured (Federal Housing Administration) | 548 | $82,270,000 | $150,000 | $445,000 | $57,000 | $225,000 |
| 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 | 17,771 | $3,189,795,000 | $179,000 | $51,005,000 | $129,000 | $8,023,000 |
| Application Denied By Financial Institution | 9,989 | $1,355,135,000 | $135,000 | $4,335,000 | $93,000 | $6,428,000 |
| File Closed For Incompleteness | 2,774 | $422,440,000 | $152,000 | $7,355,000 | $141,000 | $5,777,000 |
| Application Withdrawn By Applicant | 2,539 | $505,435,000 | $199,000 | $15,855,000 | $142,000 | $8,365,000 |
| Loan Purchased By The Institution | 634 | $480,930,000 | $758,000 | $2,365,000 | $0 | $0 |
| Application Approved But Not Accepted | 525 | $63,365,000 | $120,000 | $2,175,000 | $110,000 | $1,346,000 |
| Preapproval Denied by Financial Institution | 283 | $80,995,000 | $286,000 | $1,705,000 | $124,000 | $3,000,000 |
| Preapproval Approved but not Accepted | 174 | $74,450,000 | $427,000 | $2,405,000 | $199,000 | $1,601,000 |
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 | 24,417 | $4,736,415,000 | $193,000 | $51,005,000 | $132,000 | $8,365,000 |
| Debt-To-Income Ratio | 4,818 | $774,850,000 | $160,000 | $4,335,000 | $66,000 | $2,438,000 |
| Credit History | 2,653 | $266,505,000 | $100,000 | $2,505,000 | $116,000 | $6,428,000 |
| Collateral | 1,728 | $207,710,000 | $120,000 | $1,615,000 | $117,000 | $6,420,000 |
| Unverifiable Information | 574 | $94,570,000 | $164,000 | $1,705,000 | $129,000 | $3,000,000 |
| Other | 329 | $53,745,000 | $163,000 | $3,005,000 | $141,000 | $1,250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 136 | $34,120,000 | $250,000 | $2,345,000 | $130,000 | $1,486,000 |
| Employment History | 33 | $4,195,000 | $127,000 | $735,000 | $46,000 | $343,000 |
| Mortgage Insurance Denied | 1 | $435,000 | $435,000 | $435,000 | $215,000 | $215,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2018 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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