BMO Harris Bank NA Mortgage Lending & HMDA Data, 2021
In 2021, BMO Harris Bank NA of Chicago, IL reported 29,518 mortgage applications totaling $6.7 billion, up 11% from 2020. The average application was for $225,917, and applicants reported an average income of $135,259. 45% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Chicago-Naperville, IL (8,124), Milwaukee-Waukesha-West Allis, WI (2,496) and Phoenix-Mesa-Scottsdale, AZ (2,170) (applications in parentheses).
| Mortgage Company & Address | BMO Harris Bank NA 111 W. Monroe Chicago, IL 60606 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 29,518 |
| Total Mortgage Loan Application Amount | $6,668,620,000 |
| Average Mortgage Loan Application Amount | $225,917 |
| Highest Mortgage Loan Application Amount | $20,965,000 |
| Average Applicant Income | $135,259 |
| Highest Applicant Income | $9,159,000 |
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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 8,124 | $ 1,438,000,000 | $ 177,006 | $ 125,000 |
| Milwaukee-Waukesha-West Allis, WI | 2,496 | $ 425,570,000 | $ 170,500 | $ 117,000 |
| Outside any metro area | 2,311 | $ 446,285,000 | $ 193,113 | $ 134,815 |
| Phoenix-Mesa-Scottsdale, AZ | 2,170 | $ 535,100,000 | $ 246,589 | $ 145,000 |
| Indianapolis-Carmel-Anderson, IN | 1,625 | $ 222,925,000 | $ 137,184 | $ 94,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,154 | $ 222,650,000 | $ 192,937 | $ 152,221 |
| Elgin, IL | 1,029 | $ 128,195,000 | $ 124,582 | $ 109,000 |
| Lake County-Kenosha County, IL-WI | 972 | $ 191,480,000 | $ 196,995 | $ 163,841 |
| Madison, WI | 711 | $ 146,765,000 | $ 206,420 | $ 132,000 |
| Gary, IN | 662 | $ 80,120,000 | $ 121,027 | $ 99,000 |
| St. Louis, MO-IL | 475 | $ 101,045,000 | $ 212,726 | $ 134,840 |
| Kansas City, MO-KS | 447 | $ 78,695,000 | $ 176,051 | $ 139,371 |
| Green Bay, WI | 443 | $ 66,635,000 | $ 150,417 | $ 90,000 |
| North Port-Sarasota-Bradenton, FL | 370 | $ 124,280,000 | $ 335,891 | $ 168,000 |
| Rockford, IL | 370 | $ 33,740,000 | $ 91,189 | $ 91,000 |
| Appleton, WI | 271 | $ 35,335,000 | $ 130,387 | $ 98,000 |
| Racine, WI | 253 | $ 32,475,000 | $ 128,359 | $ 85,000 |
| Tucson, AZ | 216 | $ 43,840,000 | $ 202,962 | $ 118,000 |
| Tampa-St. Petersburg-Clearwater, FL | 206 | $ 43,540,000 | $ 211,359 | $ 152,000 |
| Janesville-Beloit, WI | 203 | $ 22,615,000 | $ 111,403 | $ 79,000 |
| Wausau, WI | 196 | $ 20,810,000 | $ 106,173 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 183 | $ 189,465,000 | $ 1,035,327 | $ 373,000 |
| Oshkosh-Neenah, WI | 168 | $ 23,750,000 | $ 141,369 | $ 99,000 |
| Sheboygan, WI | 165 | $ 21,665,000 | $ 131,303 | $ 85,000 |
| Prescott Valley-Prescott, AZ | 153 | $ 40,935,000 | $ 267,549 | $ 115,000 |
| Naples-Immokalee-Marco Island, FL | 137 | $ 100,245,000 | $ 731,715 | $ 345,000 |
| Kokomo, IN | 132 | $ 11,580,000 | $ 87,727 | $ 132,000 |
| Seattle-Bellevue-Everett, WA | 127 | $ 131,795,000 | $ 1,037,755 | $ 225,000 |
| Fond Du Lac, WI | 124 | $ 14,040,000 | $ 113,225 | $ 78,000 |
| Cape Coral-Fort Myers, FL | 118 | $ 40,960,000 | $ 347,118 | $ 193,000 |
| Atlanta-Sandy Springs-Roswell, GA | 109 | $ 63,605,000 | $ 583,532 | $ 230,000 |
| Orlando-Kissimmee-Sanford, FL | 89 | $ 22,235,000 | $ 249,831 | $ 186,000 |
| Oakland-Hayward-Berkeley, CA | 87 | $ 65,055,000 | $ 747,758 | $ 190,000 |
| Denver-Aurora-Lakewood, CO | 86 | $ 48,850,000 | $ 568,023 | $ 321,000 |
| La Crosse-Onalaska, WI-MN | 86 | $ 10,080,000 | $ 117,209 | $ 77,511 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 85 | $ 56,585,000 | $ 665,705 | $ 257,000 |
| Eau Claire, WI | 82 | $ 10,000,000 | $ 121,951 | $ 80,000 |
| Anaheim-Santa Ana-Irvine, CA | 80 | $ 78,410,000 | $ 980,125 | $ 309,000 |
| San Diego-Carlsbad, CA | 80 | $ 65,430,000 | $ 817,875 | $ 421,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 77 | $ 40,015,000 | $ 519,675 | $ 208,831 |
| Miami-Miami Beach-Kendall, FL | 76 | $ 73,180,000 | $ 962,894 | $ 313,000 |
| San Francisco-Redwood City-South San Francisco, CA | 72 | $ 89,050,000 | $ 1,236,805 | $ 754,000 |
| Duluth, MN-WI | 71 | $ 9,935,000 | $ 139,929 | $ 97,422 |
| Riverside-San Bernardino-Ontario, CA | 67 | $ 33,425,000 | $ 498,880 | $ 244,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 63 | $ 33,655,000 | $ 534,206 | $ 306,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 63 | $ 61,285,000 | $ 972,777 | $ 242,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 48 | $ 29,100,000 | $ 606,250 | $ 196,000 |
| Punta Gorda, FL | 48 | $ 7,720,000 | $ 160,833 | $ 106,000 |
| Austin-Round Rock, TX | 46 | $ 29,860,000 | $ 649,130 | $ 232,000 |
| Las Vegas-Henderson-Paradise, NV | 42 | $ 14,690,000 | $ 349,761 | $ 197,000 |
| Boston, MA | 39 | $ 36,245,000 | $ 929,358 | $ 610,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 39 | $ 20,585,000 | $ 527,820 | $ 162,000 |
| Baltimore-Columbia-Towson, MD | 38 | $ 8,930,000 | $ 235,000 | $ 144,000 |
| Charlotte-Concord-Gastonia, NC-SC | 37 | $ 11,055,000 | $ 298,783 | $ 132,054 |
| Houston-The Woodlands-Sugar Land, TX | 37 | $ 20,965,000 | $ 566,621 | $ 222,000 |
| Jacksonville, FL | 37 | $ 12,795,000 | $ 345,810 | $ 202,000 |
| New York-Jersey City-White Plains, NY-NJ | 33 | $ 8,945,000 | $ 271,060 | $ 200,727 |
| Portland-Vancouver-Hillsboro, OR-WA | 33 | $ 14,085,000 | $ 426,818 | $ 216,848 |
| Cambridge-Newton-Framingham, MA | 32 | $ 23,410,000 | $ 731,562 | $ 292,000 |
| Dallas-Plano-Irving, TX | 28 | $ 17,540,000 | $ 626,428 | $ 195,000 |
| Montgomery County-Bucks County-Chester County, PA | 28 | $ 16,110,000 | $ 575,357 | $ 324,000 |
| Flagstaff, AZ | 22 | $ 9,630,000 | $ 437,727 | $ 163,000 |
| New York-Newark, NY | 21 | $ 6,135,000 | $ 292,142 | $ 283,476 |
| Terre Haute, IN | 21 | $ 2,425,000 | $ 115,476 | $ 83,000 |
| Bridgeport-Stamford-Norwalk, CT | 20 | $ 11,140,000 | $ 557,000 | $ 208,000 |
| Pittsburgh, PA | 20 | $ 4,020,000 | $ 201,000 | $ 110,000 |
| Michigan City-La Porte, IN | 19 | $ 2,945,000 | $ 155,000 | $ 101,000 |
| Newark, NJ-PA | 19 | $ 9,075,000 | $ 477,631 | $ 197,000 |
| Niles-Benton Harbor, MI | 19 | $ 10,315,000 | $ 542,894 | $ 495,000 |
| Washington-Baltimore-Arlington, DC | 19 | $ 12,535,000 | $ 659,736 | $ 450,000 |
| Warren-Troy-Farmington Hills, MI | 18 | $ 5,410,000 | $ 300,555 | $ 153,000 |
| Boise City, ID | 17 | $ 7,945,000 | $ 467,352 | $ 143,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 17 | $ 2,385,000 | $ 140,294 | $ 122,000 |
| Lakeland-Winter Haven, FL | 17 | $ 2,135,000 | $ 125,588 | $ 91,000 |
| San Rafael, CA | 17 | $ 14,705,000 | $ 865,000 | $ 249,000 |
| Charleston-North Charleston, SC | 16 | $ 9,610,000 | $ 600,625 | $ 379,000 |
| The Villages, FL | 16 | $ 3,210,000 | $ 200,625 | $ 87,000 |
| Kankakee, IL | 15 | $ 1,365,000 | $ 91,000 | $ 73,000 |
| Raleigh, NC | 15 | $ 2,285,000 | $ 152,333 | $ 164,000 |
| St. Joseph, MO-KS | 15 | $ 1,295,000 | $ 86,333 | $ 75,000 |
| Ocala, FL | 14 | $ 1,830,000 | $ 130,714 | $ 100,000 |
| Salt Lake City, UT | 14 | $ 4,940,000 | $ 352,857 | $ 129,000 |
| Bloomington, IN | 13 | $ 2,125,000 | $ 163,461 | $ 81,000 |
| Philadelphia, PA | 13 | $ 5,925,000 | $ 455,769 | $ 175,000 |
| Springfield, MO | 13 | $ 1,775,000 | $ 136,538 | $ 212,000 |
| Albuquerque, NM | 12 | $ 3,640,000 | $ 303,333 | $ 94,000 |
| Crestview-Fort Walton Beach-Destin, FL | 12 | $ 39,160,000 | $ 3,263,333 | $ 1,705,000 |
| Rochester, MN | 12 | $ 2,130,000 | $ 177,500 | $ 105,000 |
| Durham-Chapel Hill, NC | 11 | $ 3,685,000 | $ 335,000 | $ 143,000 |
| Fort Wayne, IN | 11 | $ 2,615,000 | $ 237,727 | $ 334,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 2,305,000 | $ 209,545 | $ 122,000 |
| Santa Rosa, CA | 11 | $ 7,705,000 | $ 700,454 | $ 184,000 |
| Spokane-Spokane Valley, WA | 11 | $ 3,415,000 | $ 310,454 | $ 157,000 |
| Boulder, CO | 10 | $ 8,190,000 | $ 819,000 | $ 343,000 |
| Cincinnati, OH-KY-IN | 10 | $ 1,520,000 | $ 152,000 | $ 145,600 |
| Grand Rapids-Wyoming, MI | 10 | $ 2,860,000 | $ 286,000 | $ 161,000 |
| Homosassa Springs, FL | 10 | $ 1,150,000 | $ 115,000 | $ 79,000 |
| Memphis, TN-MS-AR | 10 | $ 1,600,000 | $ 160,000 | $ 159,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 2,170,000 | $ 217,000 | $ 93,800 |
| Provo-Orem, UT | 10 | $ 4,190,000 | $ 419,000 | $ 197,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 2,200,000 | $ 220,000 | $ 113,700 |
| Asheville, NC | 9 | $ 4,145,000 | $ 460,555 | $ 101,000 |
| Cleveland-Elyria, OH | 9 | $ 1,895,000 | $ 210,555 | $ 90,000 |
| Colorado Springs, CO | 9 | $ 2,285,000 | $ 253,888 | $ 136,000 |
| Columbus, OH | 9 | $ 765,000 | $ 85,000 | $ 166,000 |
| Davenport-Moline-Rock Island, IA-IL | 9 | $ 745,000 | $ 82,777 | $ 123,444 |
| Fort Worth-Arlington, TX | 9 | $ 1,595,000 | $ 177,222 | $ 191,000 |
| Lake Havasu City-Kingman, AZ | 9 | $ 2,135,000 | $ 237,222 | $ 112,000 |
| Louisville/Jefferson County, KY-IN | 9 | $ 1,365,000 | $ 151,666 | $ 109,555 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 1,485,000 | $ 165,000 | $ 91,000 |
| Port St. Lucie, FL | 9 | $ 1,285,000 | $ 142,777 | $ 141,000 |
| Santa Maria-Santa Barbara, CA | 9 | $ 7,015,000 | $ 779,444 | $ 398,000 |
| Sebastian-Vero Beach, FL | 9 | $ 7,065,000 | $ 785,000 | $ 242,000 |
| Bloomington, IL | 8 | $ 1,370,000 | $ 171,250 | $ 102,000 |
| Kahului-Wailuku-Lahaina, HI | 8 | $ 10,790,000 | $ 1,348,750 | $ 1,997,000 |
| Lafayette-West Lafayette, IN | 8 | $ 1,020,000 | $ 127,500 | $ 69,000 |
| Lawrence, KS | 8 | $ 1,350,000 | $ 168,750 | $ 131,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 5,610,000 | $ 701,250 | $ 243,000 |
| Reno, NV | 8 | $ 7,840,000 | $ 980,000 | $ 281,000 |
| Sierra Vista-Douglas, AZ | 8 | $ 1,570,000 | $ 196,250 | $ 228,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,780,000 | $ 222,500 | $ 81,000 |
| Wichita, KS | 8 | $ 2,210,000 | $ 276,250 | $ 142,000 |
| Barnstable Town, MA | 7 | $ 4,415,000 | $ 630,714 | $ 206,000 |
| Birmingham-Hoover, AL | 7 | $ 12,535,000 | $ 1,790,714 | $ 270,000 |
| Fayetteville, NC | 7 | $ 1,095,000 | $ 156,428 | $ 186,000 |
| Oklahoma City, OK | 7 | $ 1,575,000 | $ 225,000 | $ 190,000 |
| Peoria, IL | 7 | $ 825,000 | $ 117,857 | $ 73,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 6,445,000 | $ 920,714 | $ 299,000 |
| Anchorage, AK | 6 | $ 480,000 | $ 80,000 | $ 200,000 |
| Ann Arbor, MI | 6 | $ 2,410,000 | $ 401,666 | $ 223,000 |
| Bellingham, WA | 6 | $ 2,740,000 | $ 456,666 | $ 286,000 |
| Camden, NJ | 6 | $ 1,250,000 | $ 208,333 | $ 278,000 |
| Coeur D'Alene, ID | 6 | $ 2,790,000 | $ 465,000 | $ 129,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 600,000 | $ 100,000 | $ 108,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 5,490,000 | $ 915,000 | $ 92,000 |
| Nassau County-Suffolk County, NY | 6 | $ 1,660,000 | $ 276,666 | $ 266,000 |
| Providence-Warwick, RI-MA | 6 | $ 1,020,000 | $ 170,000 | $ 94,333 |
| Rockingham County-Strafford County, NH | 6 | $ 4,630,000 | $ 771,666 | $ 4,603,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 5,400,000 | $ 900,000 | $ 130,000 |
| Tulsa, OK | 6 | $ 970,000 | $ 161,666 | $ 162,000 |
| Urban Honolulu, HI | 6 | $ 3,850,000 | $ 641,666 | $ 50,000 |
| Yuma, AZ | 6 | $ 1,200,000 | $ 200,000 | $ 135,000 |
| Bend-Redmond, OR | 5 | $ 3,615,000 | $ 723,000 | $ 270,000 |
| Columbus, GA-AL | 5 | $ 545,000 | $ 109,000 | $ 107,800 |
| Decatur, IL | 5 | $ 495,000 | $ 99,000 | $ 87,000 |
| Fresno, CA | 5 | $ 2,325,000 | $ 465,000 | $ 126,000 |
| Gainesville, FL | 5 | $ 775,000 | $ 155,000 | $ 213,000 |
| Greeley, CO | 5 | $ 1,495,000 | $ 299,000 | $ 111,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 965,000 | $ 193,000 | $ 245,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,515,000 | $ 303,000 | $ 269,000 |
| New Orleans-Metairie, LA | 5 | $ 1,855,000 | $ 371,000 | $ 260,000 |
| Olympia-Tumwater, WA | 5 | $ 1,885,000 | $ 377,000 | $ 172,000 |
| Richmond, VA | 5 | $ 1,305,000 | $ 261,000 | $ 77,000 |
| San Antonio-New Braunfels, TX | 5 | $ 515,000 | $ 103,000 | $ 84,000 |
| Savannah, GA | 5 | $ 695,000 | $ 139,000 | $ 102,000 |
| Tacoma-Lakewood, WA | 5 | $ 2,365,000 | $ 473,000 | $ 106,000 |
| Vallejo-Fairfield, CA | 5 | $ 2,465,000 | $ 493,000 | $ 89,000 |
| Winston-Salem, NC | 5 | $ 405,000 | $ 81,000 | $ 55,000 |
| Worcester, MA-CT | 5 | $ 2,605,000 | $ 521,000 | $ 26,200 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 630,000 | $ 157,500 | $ 59,500 |
| Baton Rouge, LA | 4 | $ 180,000 | $ 45,000 | $ 151,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,620,000 | $ 405,000 | $ 60,000 |
| Canton-Massillon, OH | 4 | $ 110,000 | $ 27,500 | $ 77,000 |
| Carbondale-Marion, IL | 4 | $ 370,000 | $ 92,500 | $ 76,000 |
| Chattanooga, TN-GA | 4 | $ 810,000 | $ 202,500 | $ 138,000 |
| Clarksville, TN-KY | 4 | $ 1,150,000 | $ 287,500 | $ 93,000 |
| Columbia, MO | 4 | $ 1,870,000 | $ 467,500 | $ 230,000 |
| Columbia, SC | 4 | $ 470,000 | $ 117,500 | $ 193,000 |
| Fort Collins, CO | 4 | $ 1,640,000 | $ 410,000 | $ 193,000 |
| Huntsville, AL | 4 | $ 1,680,000 | $ 420,000 | $ 101,000 |
| Killeen-Temple, TX | 4 | $ 100,000 | $ 25,000 | $ 44,000 |
| Knoxville, TN | 4 | $ 1,610,000 | $ 402,500 | $ 108,000 |
| Lafayette, LA | 4 | $ 310,000 | $ 77,500 | $ 54,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 1,450,000 | $ 362,500 | $ 180,000 |
| Portland-South Portland, ME | 4 | $ 1,910,000 | $ 477,500 | $ 265,000 |
| Salinas, CA | 4 | $ 3,720,000 | $ 930,000 | $ 1,375,000 |
| Santa Fe, NM | 4 | $ 3,800,000 | $ 950,000 | $ 278,000 |
| Sioux Falls, SD | 4 | $ 750,000 | $ 187,500 | $ 104,000 |
| Springfield, IL | 4 | $ 1,380,000 | $ 345,000 | $ 95,000 |
| St. George, UT | 4 | $ 1,350,000 | $ 337,500 | $ 198,000 |
| Wilmington, NC | 4 | $ 1,430,000 | $ 357,500 | $ 89,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 445,000 | $ 148,333 | $ 77,666 |
| Charlottesville, VA | 3 | $ 1,355,000 | $ 451,666 | $ 316,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 225,000 | $ 75,000 | $ 66,000 |
| Des Moines-West Des Moines, IA | 3 | $ 1,235,000 | $ 411,666 | $ 251,000 |
| Elkhart-Goshen, IN | 3 | $ 765,000 | $ 255,000 | $ 82,000 |
| Evansville, IN-KY | 3 | $ 105,000 | $ 35,000 | $ 46,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 275,000 | $ 91,666 | $ 165,000 |
| Harrisburg-Carlisle, PA | 3 | $ 695,000 | $ 231,666 | $ 301,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 1,205,000 | $ 401,666 | $ 87,000 |
| Hot Springs, AR | 3 | $ 55,000 | $ 18,333 | $ 31,000 |
| Jefferson City, MO | 3 | $ 195,000 | $ 65,000 | $ 39,000 |
| Jonesboro, AR | 3 | $ 95,000 | $ 31,666 | $ 57,000 |
| Lawton, OK | 3 | $ 365,000 | $ 121,666 | $ 55,000 |
| Lexington-Fayette, KY | 3 | $ 2,305,000 | $ 768,333 | $ 167,000 |
| Mankato-North Mankato, MN | 3 | $ 655,000 | $ 218,333 | $ 192,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 925,000 | $ 308,333 | $ 169,000 |
| Owensboro, KY | 3 | $ 295,000 | $ 98,333 | $ 95,000 |
| Panama City, FL | 3 | $ 965,000 | $ 321,666 | $ 145,000 |
| Spartanburg, SC | 3 | $ 925,000 | $ 308,333 | $ 60,000 |
| Stockton-Lodi, CA | 3 | $ 955,000 | $ 318,333 | $ 115,000 |
| Tallahassee, FL | 3 | $ 1,815,000 | $ 605,000 | $ 229,000 |
| Toledo, OH | 3 | $ 125,000 | $ 41,666 | $ 67,000 |
| Trenton, NJ | 3 | $ 2,975,000 | $ 991,666 | $ 464,000 |
| Wilmington, DE-MD-NJ | 3 | $ 635,000 | $ 211,666 | $ 124,000 |
| Akron, OH | 2 | $ 570,000 | $ 285,000 | $ 62,000 |
| Bakersfield, CA | 2 | $ 140,000 | $ 70,000 | $ 112,000 |
| Brownsville-Harlingen, TX | 2 | $ 30,000 | $ 15,000 | $ 26,000 |
| Carson City, NV | 2 | $ 370,000 | $ 185,000 | $ 97,000 |
| Cedar Rapids, IA | 2 | $ 170,000 | $ 85,000 | $ 31,000 |
| Columbus, IN | 2 | $ 110,000 | $ 55,000 | $ 113,000 |
| Corpus Christi, TX | 2 | $ 320,000 | $ 160,000 | $ 39,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 930,000 | $ 465,000 | $ 578,000 |
| Erie, PA | 2 | $ 40,000 | $ 20,000 | $ 3,209,000 |
| Eugene, OR | 2 | $ 700,000 | $ 350,000 | $ 331,000 |
| Greensboro-High Point, NC | 2 | $ 180,000 | $ 90,000 | $ 54,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 420,000 | $ 210,000 | $ 84,000 |
| Iowa City, IA | 2 | $ 500,000 | $ 250,000 | $ 72,000 |
| Jackson, MS | 2 | $ 670,000 | $ 335,000 | $ 134,000 |
| Kalamazoo-Portage, MI | 2 | $ 710,000 | $ 355,000 | $ 210,000 |
| Lancaster, PA | 2 | $ 1,110,000 | $ 555,000 | $ 0 |
| Madera, CA | 2 | $ 230,000 | $ 115,000 | $ 146,000 |
| Manchester-Nashua, NH | 2 | $ 120,000 | $ 60,000 | $ 174,000 |
| Manhattan, KS | 2 | $ 450,000 | $ 225,000 | $ 174,000 |
| Mobile, AL | 2 | $ 40,000 | $ 20,000 | $ 53,000 |
| Montgomery, AL | 2 | $ 230,000 | $ 115,000 | $ 117,000 |
| Napa, CA | 2 | $ 2,230,000 | $ 1,115,000 | $ 4,000 |
| New Bern, NC | 2 | $ 1,360,000 | $ 680,000 | $ 23,000 |
| New Haven-Milford, CT | 2 | $ 70,000 | $ 35,000 | $ 49,000 |
| Ocean City, NJ | 2 | $ 860,000 | $ 430,000 | $ 287,000 |
| Ogden-Clearfield, UT | 2 | $ 1,200,000 | $ 600,000 | $ 53,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 160,000 | $ 80,000 | $ 202,000 |
| Pueblo, CO | 2 | $ 170,000 | $ 85,000 | $ 98,000 |
| Saginaw, MI | 2 | $ 50,000 | $ 25,000 | $ 21,000 |
| Salem, OR | 2 | $ 1,500,000 | $ 750,000 | $ 0 |
| Salisbury, MD-DE | 2 | $ 1,420,000 | $ 710,000 | $ 0 |
| Sebring, FL | 2 | $ 140,000 | $ 70,000 | $ 67,000 |
| Sioux City, IA-NE-SD | 2 | $ 60,000 | $ 30,000 | $ 61,000 |
| Springfield, MA | 2 | $ 190,000 | $ 95,000 | $ 97,000 |
| St. Cloud, MN | 2 | $ 5,740,000 | $ 2,870,000 | $ 59,000 |
| Warner Robins, GA | 2 | $ 540,000 | $ 270,000 | $ 241,000 |
| Wenatchee, WA | 2 | $ 1,130,000 | $ 565,000 | $ 250,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 70,000 | $ 35,000 | $ 125,000 |
| Amarillo, TX | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 115,000 | $ 115,000 | $ 164,000 |
| Brunswick, GA | 1 | $ 1,235,000 | $ 1,235,000 | $ 40,000 |
| Burlington, NC | 1 | $ 105,000 | $ 105,000 | $ 128,000 |
| Burlington-South Burlington, VT | 1 | $ 1,605,000 | $ 1,605,000 | $ 3,266,000 |
| Cape Girardeau, MO-IL | 1 | $ 105,000 | $ 105,000 | $ 157,000 |
| Champaign-Urbana, IL | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Cheyenne, WY | 1 | $ 515,000 | $ 515,000 | $ 290,000 |
| Cleveland, TN | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Dalton, GA | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Danville, IL | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Decatur, AL | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
| Dubuque, IA | 1 | $ 335,000 | $ 335,000 | $ 81,000 |
| East Stroudsburg, PA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| El Paso, TX | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 525,000 | $ 525,000 | $ 236,000 |
| Florence, SC | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Gettysburg, PA | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Grand Forks, ND-MN | 1 | $ 305,000 | $ 305,000 | $ 189,000 |
| Grand Island, NE | 1 | $ 15,000 | $ 15,000 | $ 63,000 |
| Grand Junction, CO | 1 | $ 355,000 | $ 355,000 | $ 400,000 |
| Grants Pass, OR | 1 | $ 805,000 | $ 805,000 | $ 57,000 |
| Hinesville, GA | 1 | $ 15,000 | $ 15,000 | $ 189,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Ithaca, NY | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Jackson, MI | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Jackson, TN | 1 | $ 25,000 | $ 25,000 | $ 10,000 |
| Johnson City, TN | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Joplin, MO | 1 | $ 195,000 | $ 195,000 | $ 165,000 |
| Kennewick-Richland, WA | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Lansing-East Lansing, MI | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Las Cruces, NM | 1 | $ 15,000 | $ 15,000 | $ 97,000 |
| Longview, TX | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Lubbock, TX | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Lynchburg, VA | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Macon-Bibb County, GA | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Medford, OR | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Merced, CA | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Modesto, CA | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Muncie, IN | 1 | $ 35,000 | $ 35,000 | $ 91,000 |
| Muskegon, MI | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Norwich-New London, CT | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Odessa, TX | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Pine Bluff, AR | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Pittsfield, MA | 1 | $ 525,000 | $ 525,000 | $ 314,000 |
| Rapid City, SD | 1 | $ 45,000 | $ 45,000 | $ 152,000 |
| Reading, PA | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Redding, CA | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Rochester, NY | 1 | $ 395,000 | $ 395,000 | $ 45,000 |
| Rocky Mount, NC | 1 | $ 15,000 | $ 15,000 | $ 124,000 |
| Shreveport-Bossier City, LA | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Springfield, OH | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Staunton-Waynesboro, VA | 1 | $ 15,000 | $ 15,000 | $ 18,000 |
| Texarkana, TX-AR | 1 | $ 225,000 | $ 225,000 | $ 77,000 |
| Topeka, KS | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Waco, TX | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Wheeling, WV-OH | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Winchester, VA-WV | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| York-Hanover, PA | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2021
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 | 8,022 | $812,700,000 | $101,000 | $4,555,000 | $122,000 | $3,734,000 |
| Other Purpose | 6,829 | $1,056,775,000 | $154,000 | $10,005,000 | $128,000 | $6,473,000 |
| Cash-out Refinancing | 6,747 | $1,388,785,000 | $205,000 | $10,325,000 | $107,000 | $8,727,000 |
| Home Purchase | 4,236 | $2,004,160,000 | $473,000 | $15,505,000 | $186,000 | $9,159,000 |
| Refinancing | 3,684 | $1,406,200,000 | $381,000 | $20,965,000 | $171,000 | $8,727,000 |
| 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 | 20,134 | $3,697,740,000 | $183,000 | $11,925,000 | $128,000 | $9,159,000 |
| Not Provided | 3,217 | $1,158,825,000 | $360,000 | $15,505,000 | $212,000 | $8,727,000 |
| Hispanic | 2,406 | $290,950,000 | $120,000 | $1,205,000 | $86,000 | $6,473,000 |
| Black or African American | 1,195 | $146,575,000 | $122,000 | $9,995,000 | $97,000 | $2,650,000 |
| Asian | 1,105 | $229,695,000 | $207,000 | $2,525,000 | $154,000 | $5,600,000 |
| Not applicable | 1,004 | $1,052,200,000 | $1,048,000 | $20,965,000 | $0 | $0 |
| American Indian or Alaskan Native | 159 | $18,355,000 | $115,000 | $965,000 | $103,000 | $806,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $5,490,000 | $274,000 | $3,005,000 | $117,000 | $498,000 |
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) | 29,414 | $6,649,810,000 | $226,000 | $20,965,000 | $134,000 | $9,159,000 |
| FHA-insured (Federal Housing Administration) | 104 | $18,810,000 | $180,000 | $595,000 | $61,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 13,303 | $3,072,145,000 | $230,000 | $20,965,000 | $147,000 | $9,159,000 |
| Application Denied By Financial Institution | 7,950 | $1,161,550,000 | $146,000 | $9,995,000 | $98,000 | $6,473,000 |
| File Closed For Incompleteness | 3,328 | $607,290,000 | $182,000 | $8,205,000 | $155,000 | $6,240,000 |
| Application Withdrawn By Applicant | 3,085 | $641,585,000 | $207,000 | $6,785,000 | $153,000 | $8,250,000 |
| Loan Purchased By The Institution | 987 | $949,705,000 | $962,000 | $1,985,000 | $0 | $0 |
| Application Approved But Not Accepted | 464 | $76,050,000 | $163,000 | $3,205,000 | $126,000 | $2,347,000 |
| Preapproval Denied by Financial Institution | 262 | $98,220,000 | $374,000 | $3,005,000 | $100,000 | $1,702,000 |
| Preapproval Approved but not Accepted | 139 | $62,075,000 | $446,000 | $1,845,000 | $153,000 | $805,000 |
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 | 21,306 | $5,408,850,000 | $253,000 | $20,965,000 | $149,000 | $9,159,000 |
| Debt-To-Income Ratio | 3,106 | $629,350,000 | $202,000 | $9,005,000 | $60,000 | $1,149,000 |
| Credit History | 2,970 | $303,000,000 | $102,000 | $9,995,000 | $109,000 | $6,473,000 |
| Collateral | 1,387 | $190,175,000 | $137,000 | $3,005,000 | $137,000 | $2,067,000 |
| Unverifiable Information | 389 | $72,915,000 | $187,000 | $1,205,000 | $134,000 | $2,299,000 |
| Other | 293 | $45,405,000 | $154,000 | $1,685,000 | $139,000 | $2,500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $13,115,000 | $319,000 | $1,715,000 | $113,000 | $630,000 |
| Employment History | 26 | $5,810,000 | $223,000 | $685,000 | $56,000 | $203,000 |
| 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 2021 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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