BMO Harris Bank NA Mortgage Lending & HMDA Data, 2020
In 2020, BMO Harris Bank NA of Chicago, IL reported 26,664 mortgage applications totaling $5.5 billion, down 16% from 2019. The average application was for $207,513, and applicants reported an average income of $139,065. 42% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Chicago-Naperville, IL (7,760), Milwaukee-Waukesha-West Allis, WI (2,592) and Phoenix-Mesa-Scottsdale, AZ (1,931) (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 | 26,664 |
| Total Mortgage Loan Application Amount | $5,533,150,000 |
| Average Mortgage Loan Application Amount | $207,513 |
| Highest Mortgage Loan Application Amount | $29,145,000 |
| Average Applicant Income | $139,065 |
| Highest Applicant Income | $9,761,000 |
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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 7,760 | $ 1,447,920,000 | $ 186,587 | $ 138,000 |
| Milwaukee-Waukesha-West Allis, WI | 2,592 | $ 463,550,000 | $ 178,838 | $ 122,000 |
| Outside any metro area | 2,141 | $ 377,965,000 | $ 176,536 | $ 126,703 |
| Phoenix-Mesa-Scottsdale, AZ | 1,931 | $ 497,635,000 | $ 257,708 | $ 158,000 |
| Indianapolis-Carmel-Anderson, IN | 1,447 | $ 193,115,000 | $ 133,458 | $ 105,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 999 | $ 215,665,000 | $ 215,880 | $ 161,392 |
| Elgin, IL | 958 | $ 129,620,000 | $ 135,302 | $ 108,000 |
| Lake County-Kenosha County, IL-WI | 936 | $ 192,540,000 | $ 205,705 | $ 153,528 |
| Madison, WI | 799 | $ 168,465,000 | $ 210,844 | $ 139,000 |
| Gary, IN | 636 | $ 72,910,000 | $ 114,638 | $ 95,000 |
| St. Louis, MO-IL | 488 | $ 96,460,000 | $ 197,663 | $ 143,950 |
| Green Bay, WI | 423 | $ 50,145,000 | $ 118,546 | $ 93,000 |
| Rockford, IL | 358 | $ 32,080,000 | $ 89,608 | $ 77,000 |
| North Port-Sarasota-Bradenton, FL | 354 | $ 101,940,000 | $ 287,966 | $ 173,000 |
| Kansas City, MO-KS | 327 | $ 62,865,000 | $ 192,247 | $ 161,391 |
| Appleton, WI | 288 | $ 43,580,000 | $ 151,319 | $ 106,000 |
| Racine, WI | 251 | $ 32,815,000 | $ 130,737 | $ 87,000 |
| Tucson, AZ | 226 | $ 37,260,000 | $ 164,867 | $ 105,000 |
| Wausau, WI | 217 | $ 23,515,000 | $ 108,364 | $ 99,000 |
| Janesville-Beloit, WI | 179 | $ 19,235,000 | $ 107,458 | $ 85,000 |
| Sheboygan, WI | 168 | $ 19,100,000 | $ 113,690 | $ 87,000 |
| Oshkosh-Neenah, WI | 141 | $ 17,985,000 | $ 127,553 | $ 116,000 |
| Tampa-St. Petersburg-Clearwater, FL | 140 | $ 29,740,000 | $ 212,428 | $ 158,000 |
| Prescott Valley-Prescott, AZ | 136 | $ 30,080,000 | $ 221,176 | $ 102,000 |
| Naples-Immokalee-Marco Island, FL | 130 | $ 96,700,000 | $ 743,846 | $ 283,000 |
| Eau Claire, WI | 125 | $ 15,645,000 | $ 125,160 | $ 88,000 |
| Kokomo, IN | 122 | $ 9,760,000 | $ 80,000 | $ 74,000 |
| Fond Du Lac, WI | 120 | $ 12,160,000 | $ 101,333 | $ 91,000 |
| Cape Coral-Fort Myers, FL | 100 | $ 30,190,000 | $ 301,900 | $ 236,000 |
| Orlando-Kissimmee-Sanford, FL | 82 | $ 18,540,000 | $ 226,097 | $ 199,000 |
| Los Angeles-Long Beach-Glendale, CA | 70 | $ 88,810,000 | $ 1,268,714 | $ 457,000 |
| Seattle-Bellevue-Everett, WA | 63 | $ 47,285,000 | $ 750,555 | $ 247,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 62 | $ 29,890,000 | $ 482,096 | $ 260,000 |
| La Crosse-Onalaska, WI-MN | 59 | $ 7,205,000 | $ 122,118 | $ 95,457 |
| Atlanta-Sandy Springs-Roswell, GA | 56 | $ 27,850,000 | $ 497,321 | $ 227,000 |
| Denver-Aurora-Lakewood, CO | 55 | $ 35,505,000 | $ 645,545 | $ 302,000 |
| Miami-Miami Beach-Kendall, FL | 53 | $ 43,375,000 | $ 818,396 | $ 528,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 50 | $ 22,530,000 | $ 450,600 | $ 212,000 |
| Duluth, MN-WI | 48 | $ 6,690,000 | $ 139,375 | $ 107,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 42 | $ 19,620,000 | $ 467,142 | $ 261,428 |
| Oakland-Hayward-Berkeley, CA | 33 | $ 21,825,000 | $ 661,363 | $ 176,000 |
| Riverside-San Bernardino-Ontario, CA | 30 | $ 12,850,000 | $ 428,333 | $ 301,000 |
| San Diego-Carlsbad, CA | 30 | $ 20,670,000 | $ 689,000 | $ 345,000 |
| Flagstaff, AZ | 29 | $ 10,295,000 | $ 355,000 | $ 205,000 |
| Anaheim-Santa Ana-Irvine, CA | 26 | $ 24,040,000 | $ 924,615 | $ 352,000 |
| Charlotte-Concord-Gastonia, NC-SC | 26 | $ 14,680,000 | $ 564,615 | $ 307,000 |
| Punta Gorda, FL | 26 | $ 5,170,000 | $ 198,846 | $ 123,000 |
| Jacksonville, FL | 24 | $ 5,400,000 | $ 225,000 | $ 133,000 |
| Kankakee, IL | 24 | $ 3,170,000 | $ 132,083 | $ 93,000 |
| Las Vegas-Henderson-Paradise, NV | 24 | $ 9,790,000 | $ 407,916 | $ 214,000 |
| Terre Haute, IN | 20 | $ 1,630,000 | $ 81,500 | $ 79,000 |
| New York-Jersey City-White Plains, NY-NJ | 19 | $ 5,735,000 | $ 301,842 | $ 149,315 |
| Cincinnati, OH-KY-IN | 18 | $ 3,860,000 | $ 214,444 | $ 109,000 |
| Dallas-Plano-Irving, TX | 18 | $ 7,000,000 | $ 388,888 | $ 704,000 |
| Niles-Benton Harbor, MI | 18 | $ 10,630,000 | $ 590,555 | $ 356,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 18 | $ 10,680,000 | $ 593,333 | $ 349,000 |
| Michigan City-La Porte, IN | 17 | $ 3,135,000 | $ 184,411 | $ 89,000 |
| San Francisco-Redwood City-South San Francisco, CA | 17 | $ 23,815,000 | $ 1,400,882 | $ 827,000 |
| Charleston-North Charleston, SC | 16 | $ 8,360,000 | $ 522,500 | $ 150,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 16 | $ 13,790,000 | $ 861,875 | $ 132,000 |
| Boston, MA | 15 | $ 7,235,000 | $ 482,333 | $ 358,000 |
| Crestview-Fort Walton Beach-Destin, FL | 15 | $ 14,025,000 | $ 935,000 | $ 1,094,000 |
| Peoria, IL | 15 | $ 2,405,000 | $ 160,333 | $ 191,000 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 3,520,000 | $ 251,428 | $ 124,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 7,050,000 | $ 503,571 | $ 220,000 |
| Raleigh, NC | 14 | $ 2,480,000 | $ 177,142 | $ 182,000 |
| Cambridge-Newton-Framingham, MA | 13 | $ 11,925,000 | $ 917,307 | $ 299,000 |
| Lakeland-Winter Haven, FL | 13 | $ 1,935,000 | $ 148,846 | $ 69,000 |
| Newark, NJ-PA | 13 | $ 11,265,000 | $ 866,538 | $ 510,000 |
| Louisville/Jefferson County, KY-IN | 12 | $ 3,050,000 | $ 254,166 | $ 157,000 |
| Montgomery County-Bucks County-Chester County, PA | 12 | $ 7,160,000 | $ 596,666 | $ 484,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 8,540,000 | $ 711,666 | $ 314,000 |
| Sebastian-Vero Beach, FL | 12 | $ 4,990,000 | $ 415,833 | $ 146,000 |
| St. Joseph, MO-KS | 12 | $ 960,000 | $ 80,000 | $ 77,916 |
| Austin-Round Rock, TX | 11 | $ 7,425,000 | $ 675,000 | $ 639,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 6,985,000 | $ 635,000 | $ 209,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 2,705,000 | $ 245,909 | $ 670,000 |
| Rochester, MN | 11 | $ 2,255,000 | $ 205,000 | $ 113,000 |
| Baltimore-Columbia-Towson, MD | 10 | $ 4,920,000 | $ 492,000 | $ 104,000 |
| Fort Worth-Arlington, TX | 10 | $ 12,200,000 | $ 1,220,000 | $ 444,000 |
| Lake Havasu City-Kingman, AZ | 10 | $ 2,200,000 | $ 220,000 | $ 106,000 |
| Warren-Troy-Farmington Hills, MI | 10 | $ 4,480,000 | $ 448,000 | $ 843,000 |
| Bremerton-Silverdale, WA | 9 | $ 5,435,000 | $ 603,888 | $ 310,000 |
| Fort Wayne, IN | 9 | $ 1,465,000 | $ 162,777 | $ 190,000 |
| New York-Newark, NY | 9 | $ 4,235,000 | $ 470,555 | $ 292,000 |
| Port St. Lucie, FL | 9 | $ 1,785,000 | $ 198,333 | $ 133,000 |
| Sierra Vista-Douglas, AZ | 9 | $ 1,635,000 | $ 181,666 | $ 108,000 |
| Grand Rapids-Wyoming, MI | 8 | $ 1,990,000 | $ 248,750 | $ 140,000 |
| Greensboro-High Point, NC | 8 | $ 2,980,000 | $ 372,500 | $ 321,000 |
| Memphis, TN-MS-AR | 8 | $ 2,930,000 | $ 366,250 | $ 226,000 |
| New Orleans-Metairie, LA | 8 | $ 5,220,000 | $ 652,500 | $ 288,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 2,010,000 | $ 251,250 | $ 102,000 |
| Salt Lake City, UT | 8 | $ 4,010,000 | $ 501,250 | $ 409,000 |
| Santa Rosa, CA | 8 | $ 5,940,000 | $ 742,500 | $ 346,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 1,630,000 | $ 203,750 | $ 181,000 |
| Asheville, NC | 7 | $ 5,885,000 | $ 840,714 | $ 270,000 |
| Gainesville, FL | 7 | $ 1,045,000 | $ 149,285 | $ 126,000 |
| Homosassa Springs, FL | 7 | $ 1,075,000 | $ 153,571 | $ 75,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,315,000 | $ 187,857 | $ 111,000 |
| Philadelphia, PA | 7 | $ 3,615,000 | $ 516,428 | $ 221,000 |
| Spokane-Spokane Valley, WA | 7 | $ 2,505,000 | $ 357,857 | $ 158,000 |
| Albuquerque, NM | 6 | $ 1,610,000 | $ 268,333 | $ 211,000 |
| Carbondale-Marion, IL | 6 | $ 970,000 | $ 161,666 | $ 141,000 |
| Cleveland-Elyria, OH | 6 | $ 910,000 | $ 151,666 | $ 64,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 270,000 | $ 45,000 | $ 50,500 |
| Dayton-Springfield-Kettering, OH | 6 | $ 860,000 | $ 143,333 | $ 130,000 |
| Lafayette-West Lafayette, IN | 6 | $ 590,000 | $ 98,333 | $ 92,000 |
| Nassau County-Suffolk County, NY | 6 | $ 1,100,000 | $ 183,333 | $ 159,000 |
| Ocala, FL | 6 | $ 1,080,000 | $ 180,000 | $ 96,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 2,850,000 | $ 475,000 | $ 300,000 |
| Sebring, FL | 6 | $ 1,090,000 | $ 181,666 | $ 62,000 |
| Wichita, KS | 6 | $ 1,240,000 | $ 206,666 | $ 171,000 |
| Boulder, CO | 5 | $ 2,675,000 | $ 535,000 | $ 315,000 |
| Columbus, OH | 5 | $ 2,245,000 | $ 449,000 | $ 259,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 705,000 | $ 141,000 | $ 178,000 |
| Kennewick-Richland, WA | 5 | $ 1,275,000 | $ 255,000 | $ 166,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 985,000 | $ 197,000 | $ 78,400 |
| Oklahoma City, OK | 5 | $ 555,000 | $ 111,000 | $ 139,000 |
| Richmond, VA | 5 | $ 915,000 | $ 183,000 | $ 110,000 |
| Rockingham County-Strafford County, NH | 5 | $ 2,395,000 | $ 479,000 | $ 194,000 |
| Salinas, CA | 5 | $ 13,015,000 | $ 2,603,000 | $ 740,000 |
| San Antonio-New Braunfels, TX | 5 | $ 695,000 | $ 139,000 | $ 144,000 |
| San Rafael, CA | 5 | $ 6,055,000 | $ 1,211,000 | $ 893,000 |
| Savannah, GA | 5 | $ 2,655,000 | $ 531,000 | $ 237,000 |
| The Villages, FL | 5 | $ 655,000 | $ 131,000 | $ 85,000 |
| Washington-Baltimore-Arlington, DC | 5 | $ 1,305,000 | $ 261,000 | $ 380,000 |
| Bakersfield, CA | 4 | $ 1,010,000 | $ 252,500 | $ 643,000 |
| Barnstable Town, MA | 4 | $ 1,650,000 | $ 412,500 | $ 152,000 |
| Bellingham, WA | 4 | $ 2,290,000 | $ 572,500 | $ 473,000 |
| Bloomington, IN | 4 | $ 430,000 | $ 107,500 | $ 93,000 |
| Champaign-Urbana, IL | 4 | $ 1,420,000 | $ 355,000 | $ 283,000 |
| Fort Collins, CO | 4 | $ 940,000 | $ 235,000 | $ 101,000 |
| Fresno, CA | 4 | $ 1,360,000 | $ 340,000 | $ 129,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 5,770,000 | $ 1,442,500 | $ 185,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,500,000 | $ 375,000 | $ 186,000 |
| Iowa City, IA | 4 | $ 1,080,000 | $ 270,000 | $ 219,000 |
| Lexington-Fayette, KY | 4 | $ 1,470,000 | $ 367,500 | $ 216,000 |
| Mankato-North Mankato, MN | 4 | $ 1,180,000 | $ 295,000 | $ 263,000 |
| Providence-Warwick, RI-MA | 4 | $ 770,000 | $ 192,500 | $ 224,000 |
| Reno, NV | 4 | $ 3,070,000 | $ 767,500 | $ 21,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 16,390,000 | $ 4,097,500 | $ 1,263,000 |
| Springfield, MO | 4 | $ 370,000 | $ 92,500 | $ 86,000 |
| Wilmington, DE-MD-NJ | 4 | $ 430,000 | $ 107,500 | $ 125,750 |
| Yuma, AZ | 4 | $ 420,000 | $ 105,000 | $ 114,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 1,255,000 | $ 418,333 | $ 225,000 |
| Ann Arbor, MI | 3 | $ 1,305,000 | $ 435,000 | $ 90,000 |
| Bend-Redmond, OR | 3 | $ 1,215,000 | $ 405,000 | $ 139,000 |
| Boise City, ID | 3 | $ 1,725,000 | $ 575,000 | $ 603,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 245,000 | $ 81,666 | $ 118,000 |
| Coeur D'Alene, ID | 3 | $ 445,000 | $ 148,333 | $ 77,000 |
| Colorado Springs, CO | 3 | $ 215,000 | $ 71,666 | $ 68,000 |
| Columbia, MO | 3 | $ 685,000 | $ 228,333 | $ 197,000 |
| Columbia, SC | 3 | $ 75,000 | $ 25,000 | $ 79,000 |
| Columbus, IN | 3 | $ 605,000 | $ 201,666 | $ 127,000 |
| Des Moines-West Des Moines, IA | 3 | $ 195,000 | $ 65,000 | $ 78,000 |
| Fargo, ND-MN | 3 | $ 435,000 | $ 145,000 | $ 180,666 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 295,000 | $ 98,333 | $ 49,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 5,355,000 | $ 1,785,000 | $ 638,000 |
| Knoxville, TN | 3 | $ 5,745,000 | $ 1,915,000 | $ 477,000 |
| Lansing-East Lansing, MI | 3 | $ 375,000 | $ 125,000 | $ 76,000 |
| Manchester-Nashua, NH | 3 | $ 405,000 | $ 135,000 | $ 119,000 |
| Muncie, IN | 3 | $ 185,000 | $ 61,666 | $ 78,000 |
| Ocean City, NJ | 3 | $ 1,445,000 | $ 481,666 | $ 629,000 |
| Panama City, FL | 3 | $ 405,000 | $ 135,000 | $ 155,000 |
| St. Cloud, MN | 3 | $ 295,000 | $ 98,333 | $ 38,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,925,000 | $ 641,666 | $ 282,000 |
| Topeka, KS | 3 | $ 1,065,000 | $ 355,000 | $ 181,000 |
| Urban Honolulu, HI | 3 | $ 805,000 | $ 268,333 | $ 140,000 |
| Akron, OH | 2 | $ 80,000 | $ 40,000 | $ 51,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 210,000 | $ 105,000 | $ 200,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 1,160,000 | $ 580,000 | $ 375,000 |
| Baton Rouge, LA | 2 | $ 290,000 | $ 145,000 | $ 150,000 |
| Billings, MT | 2 | $ 1,740,000 | $ 870,000 | $ 482,000 |
| Bloomington, IL | 2 | $ 270,000 | $ 135,000 | $ 50,000 |
| Cedar Rapids, IA | 2 | $ 330,000 | $ 165,000 | $ 113,000 |
| Clarksville, TN-KY | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Danville, IL | 2 | $ 270,000 | $ 135,000 | $ 61,000 |
| Decatur, IL | 2 | $ 70,000 | $ 35,000 | $ 51,000 |
| Durham-Chapel Hill, NC | 2 | $ 610,000 | $ 305,000 | $ 242,000 |
| East Stroudsburg, PA | 2 | $ 230,000 | $ 115,000 | $ 135,000 |
| Elkhart-Goshen, IN | 2 | $ 650,000 | $ 325,000 | $ 77,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 120,000 | $ 60,000 | $ 153,000 |
| Fort Smith, AR-OK | 2 | $ 110,000 | $ 55,000 | $ 69,000 |
| Gainesville, GA | 2 | $ 150,000 | $ 75,000 | $ 84,000 |
| Grand Junction, CO | 2 | $ 400,000 | $ 200,000 | $ 112,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 1,070,000 | $ 535,000 | $ 388,000 |
| Lancaster, PA | 2 | $ 340,000 | $ 170,000 | $ 107,000 |
| Lebanon, PA | 2 | $ 12,260,000 | $ 6,130,000 | $ 108,000 |
| Manhattan, KS | 2 | $ 460,000 | $ 230,000 | $ 124,000 |
| Olympia-Tumwater, WA | 2 | $ 810,000 | $ 405,000 | $ 205,000 |
| Pittsfield, MA | 2 | $ 660,000 | $ 330,000 | $ 142,000 |
| Roanoke, VA | 2 | $ 240,000 | $ 120,000 | $ 98,000 |
| Salisbury, MD-DE | 2 | $ 830,000 | $ 415,000 | $ 141,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 650,000 | $ 325,000 | $ 46,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,250,000 | $ 625,000 | $ 151,000 |
| Santa Fe, NM | 2 | $ 960,000 | $ 480,000 | $ 120,000 |
| Tallahassee, FL | 2 | $ 30,000 | $ 15,000 | $ 65,000 |
| Toledo, OH | 2 | $ 760,000 | $ 380,000 | $ 359,000 |
| Trenton, NJ | 2 | $ 1,510,000 | $ 755,000 | $ 0 |
| Vallejo-Fairfield, CA | 2 | $ 550,000 | $ 275,000 | $ 146,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 350,000 | $ 175,000 | $ 108,000 |
| Wenatchee, WA | 2 | $ 1,350,000 | $ 675,000 | $ 400,000 |
| Winston-Salem, NC | 2 | $ 1,090,000 | $ 545,000 | $ 627,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 100,000 | $ 50,000 | $ 125,000 |
| Altoona, PA | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Ames, IA | 1 | $ 255,000 | $ 255,000 | $ 164,000 |
| Battle Creek, MI | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Beaumont-Port Arthur, TX | 1 | $ 165,000 | $ 165,000 | $ 303,000 |
| Birmingham-Hoover, AL | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| California-Lexington Park, MD | 1 | $ 35,000 | $ 35,000 | $ 282,000 |
| Camden, NJ | 1 | $ 195,000 | $ 195,000 | $ 150,000 |
| Canton-Massillon, OH | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Cape Girardeau, MO-IL | 1 | $ 5,000 | $ 5,000 | $ 45,000 |
| Charlottesville, VA | 1 | $ 495,000 | $ 495,000 | $ 291,000 |
| Chattanooga, TN-GA | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Corpus Christi, TX | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Corvallis, OR | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 15,000 | $ 15,000 | $ 110,000 |
| Dothan, AL | 1 | $ 85,000 | $ 85,000 | $ 104,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 55,000 | $ 55,000 | $ 4,000 |
| Evansville, IN-KY | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Florence-Muscle Shoals, AL | 1 | $ 195,000 | $ 195,000 | $ 609,000 |
| Houma-Thibodaux, LA | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Jackson, MI | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| Jackson, MS | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Jefferson City, MO | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Joplin, MO | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Las Cruces, NM | 1 | $ 335,000 | $ 335,000 | $ 49,000 |
| Lawrence, KS | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 5,000 | $ 5,000 | $ 17,000 |
| Longview, TX | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 65,000 | $ 65,000 | $ 95,000 |
| Monroe, LA | 1 | $ 5,000 | $ 5,000 | $ 80,000 |
| Montgomery, AL | 1 | $ 125,000 | $ 125,000 | $ 13,000 |
| Napa, CA | 1 | $ 755,000 | $ 755,000 | $ 1,348,000 |
| New Bern, NC | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| New Haven-Milford, CT | 1 | $ 15,000 | $ 15,000 | $ 120,000 |
| Norwich-New London, CT | 1 | $ 695,000 | $ 695,000 | $ 2,311,000 |
| Ogden-Clearfield, UT | 1 | $ 305,000 | $ 305,000 | $ 114,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 155,000 | $ 155,000 | $ 129,000 |
| Pittsburgh, PA | 1 | $ 515,000 | $ 515,000 | $ 139,000 |
| Provo-Orem, UT | 1 | $ 85,000 | $ 85,000 | $ 110,000 |
| Pueblo, CO | 1 | $ 245,000 | $ 245,000 | $ 53,000 |
| Rocky Mount, NC | 1 | $ 55,000 | $ 55,000 | $ 1,000 |
| Saginaw, MI | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Springfield, IL | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Springfield, MA | 1 | $ 135,000 | $ 135,000 | $ 18,000 |
| Springfield, OH | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Stockton-Lodi, CA | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Syracuse, NY | 1 | $ 15,000 | $ 15,000 | $ 7,000 |
| Tulsa, OK | 1 | $ 15,000 | $ 15,000 | $ 10,000 |
| Wilmington, NC | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Yakima, WA | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2020
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 6,281 | $855,175,000 | $136,000 | $8,755,000 | $123,000 | $7,530,000 |
| Cash-out Refinancing | 6,203 | $1,179,525,000 | $190,000 | $11,805,000 | $116,000 | $9,761,000 |
| Home Improvement | 6,138 | $582,390,000 | $94,000 | $6,505,000 | $115,000 | $9,474,000 |
| Refinancing | 4,245 | $1,466,345,000 | $345,000 | $13,715,000 | $201,000 | $8,300,000 |
| Home Purchase | 3,795 | $1,449,405,000 | $381,000 | $29,145,000 | $173,000 | $6,508,000 |
| Not Applicable | 2 | $310,000 | $155,000 | $175,000 | $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 | 19,472 | $3,604,170,000 | $185,000 | $13,715,000 | $135,000 | $9,474,000 |
| Not Provided | 2,625 | $974,755,000 | $371,000 | $11,805,000 | $207,000 | $6,324,000 |
| Hispanic | 2,001 | $249,125,000 | $124,000 | $2,385,000 | $92,000 | $5,100,000 |
| Black or African American | 987 | $113,685,000 | $115,000 | $10,705,000 | $92,000 | $2,083,000 |
| Asian | 930 | $202,060,000 | $217,000 | $3,005,000 | $162,000 | $9,761,000 |
| Not applicable | 310 | $323,360,000 | $1,043,000 | $29,145,000 | $0 | $0 |
| American Indian or Alaskan Native | 152 | $22,020,000 | $144,000 | $5,005,000 | $96,000 | $459,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $2,990,000 | $186,000 | $575,000 | $158,000 | $587,000 |
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) | 26,567 | $5,517,575,000 | $207,000 | $29,145,000 | $139,000 | $9,761,000 |
| FHA-insured (Federal Housing Administration) | 97 | $15,575,000 | $160,000 | $475,000 | $58,000 | $184,000 |
| 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 | 11,230 | $2,528,960,000 | $225,000 | $29,145,000 | $155,000 | $9,761,000 |
| Application Denied By Financial Institution | 7,729 | $1,197,355,000 | $154,000 | $10,005,000 | $101,000 | $9,474,000 |
| Application Withdrawn By Applicant | 3,453 | $700,675,000 | $202,000 | $5,005,000 | $158,000 | $8,300,000 |
| File Closed For Incompleteness | 3,207 | $663,295,000 | $206,000 | $10,705,000 | $153,000 | $5,100,000 |
| Application Approved But Not Accepted | 488 | $78,220,000 | $160,000 | $2,365,000 | $130,000 | $1,245,000 |
| Loan Purchased By The Institution | 297 | $259,445,000 | $873,000 | $1,975,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 130 | $51,710,000 | $397,000 | $2,005,000 | $144,000 | $695,000 |
| Preapproval Denied by Financial Institution | 130 | $53,490,000 | $411,000 | $2,455,000 | $126,000 | $1,062,000 |
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 | 18,805 | $4,282,305,000 | $227,000 | $29,145,000 | $155,000 | $9,761,000 |
| Debt-To-Income Ratio | 3,132 | $664,250,000 | $212,000 | $10,005,000 | $67,000 | $2,752,000 |
| Credit History | 2,595 | $260,355,000 | $100,000 | $5,005,000 | $105,000 | $9,474,000 |
| Collateral | 1,293 | $178,895,000 | $138,000 | $4,385,000 | $141,000 | $3,311,000 |
| Other | 391 | $52,495,000 | $134,000 | $1,385,000 | $149,000 | $7,500,000 |
| Unverifiable Information | 383 | $76,875,000 | $200,000 | $5,585,000 | $164,000 | $4,998,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 40 | $14,260,000 | $356,000 | $2,005,000 | $158,000 | $720,000 |
| Employment History | 25 | $3,715,000 | $148,000 | $395,000 | $61,000 | $272,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2020 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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