BMO Harris Bank NA Mortgage Lending & HMDA Data, 2022
In 2022, BMO Harris Bank NA of Chicago, IL reported 29,061 mortgage applications totaling $7.2 billion, down 2% from 2021. The average application was for $249,392, and applicants reported an average income of $145,265. 47% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Chicago-Naperville, IL (7,655), Phoenix-Mesa-Scottsdale, AZ (2,645) and Milwaukee-Waukesha-West Allis, WI (2,344) (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 | 29,061 |
| Total Mortgage Loan Application Amount | $7,247,595,000 |
| Average Mortgage Loan Application Amount | $249,392 |
| Highest Mortgage Loan Application Amount | $88,005,000 |
| Average Applicant Income | $145,265 |
| Highest Applicant Income | $9,307,000 |
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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 7,655 | $ 1,387,755,000 | $ 181,287 | $ 131,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2,645 | $ 800,560,000 | $ 302,669 | $ 160,000 |
| Milwaukee-Waukesha-West Allis, WI | 2,344 | $ 369,680,000 | $ 157,713 | $ 114,000 |
| Outside any metro area | 2,114 | $ 473,410,000 | $ 223,940 | $ 141,657 |
| Indianapolis-Carmel-Anderson, IN | 1,591 | $ 223,165,000 | $ 140,267 | $ 112,000 |
| Elgin, IL | 1,028 | $ 116,890,000 | $ 113,706 | $ 108,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 985 | $ 241,405,000 | $ 245,081 | $ 148,039 |
| Lake County-Kenosha County, IL-WI | 906 | $ 164,240,000 | $ 181,280 | $ 154,460 |
| Gary, IN | 645 | $ 67,765,000 | $ 105,062 | $ 90,000 |
| Madison, WI | 594 | $ 116,630,000 | $ 196,346 | $ 133,000 |
| St. Louis, MO-IL | 471 | $ 77,125,000 | $ 163,747 | $ 124,312 |
| Green Bay, WI | 431 | $ 53,405,000 | $ 123,909 | $ 91,000 |
| Kansas City, MO-KS | 413 | $ 79,325,000 | $ 192,070 | $ 132,084 |
| North Port-Sarasota-Bradenton, FL | 382 | $ 111,080,000 | $ 290,785 | $ 154,000 |
| Rockford, IL | 380 | $ 30,840,000 | $ 81,157 | $ 80,000 |
| Racine, WI | 255 | $ 29,745,000 | $ 116,647 | $ 85,000 |
| Tampa-St. Petersburg-Clearwater, FL | 252 | $ 55,980,000 | $ 222,142 | $ 148,000 |
| Tucson, AZ | 252 | $ 49,570,000 | $ 196,706 | $ 141,000 |
| Appleton, WI | 235 | $ 32,925,000 | $ 140,106 | $ 102,000 |
| Janesville-Beloit, WI | 187 | $ 17,575,000 | $ 93,983 | $ 69,000 |
| Wausau, WI | 171 | $ 19,035,000 | $ 111,315 | $ 97,000 |
| Los Angeles-Long Beach-Glendale, CA | 163 | $ 182,275,000 | $ 1,118,251 | $ 357,000 |
| Prescott Valley-Prescott, AZ | 160 | $ 36,240,000 | $ 226,500 | $ 106,000 |
| Sheboygan, WI | 159 | $ 17,445,000 | $ 109,716 | $ 92,000 |
| Oshkosh-Neenah, WI | 155 | $ 18,385,000 | $ 118,612 | $ 99,000 |
| Naples-Immokalee-Marco Island, FL | 152 | $ 93,840,000 | $ 617,368 | $ 339,000 |
| Cape Coral-Fort Myers, FL | 125 | $ 38,865,000 | $ 310,920 | $ 184,000 |
| Kokomo, IN | 120 | $ 10,320,000 | $ 86,000 | $ 78,000 |
| Atlanta-Sandy Springs-Roswell, GA | 104 | $ 104,565,000 | $ 1,005,432 | $ 187,000 |
| Orlando-Kissimmee-Sanford, FL | 103 | $ 42,775,000 | $ 415,291 | $ 286,000 |
| Fond Du Lac, WI | 100 | $ 9,930,000 | $ 99,300 | $ 84,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 94 | $ 76,900,000 | $ 818,085 | $ 358,000 |
| Duluth, MN-WI | 91 | $ 10,685,000 | $ 117,417 | $ 94,307 |
| Miami-Miami Beach-Kendall, FL | 88 | $ 66,630,000 | $ 757,159 | $ 277,000 |
| Eau Claire, WI | 87 | $ 11,915,000 | $ 136,954 | $ 105,000 |
| Denver-Aurora-Lakewood, CO | 84 | $ 61,170,000 | $ 728,214 | $ 275,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 78 | $ 38,840,000 | $ 497,948 | $ 232,000 |
| La Crosse-Onalaska, WI-MN | 77 | $ 7,065,000 | $ 91,753 | $ 87,987 |
| San Diego-Carlsbad, CA | 77 | $ 122,315,000 | $ 1,588,506 | $ 333,000 |
| Austin-Round Rock, TX | 75 | $ 104,465,000 | $ 1,392,866 | $ 311,000 |
| Dallas-Plano-Irving, TX | 74 | $ 94,660,000 | $ 1,279,189 | $ 441,000 |
| Seattle-Bellevue-Everett, WA | 66 | $ 47,570,000 | $ 720,757 | $ 263,000 |
| Riverside-San Bernardino-Ontario, CA | 59 | $ 42,545,000 | $ 721,101 | $ 348,000 |
| Houston-The Woodlands-Sugar Land, TX | 57 | $ 28,785,000 | $ 505,000 | $ 260,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 56 | $ 32,000,000 | $ 571,428 | $ 257,535 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 53 | $ 37,265,000 | $ 703,113 | $ 260,000 |
| Jacksonville, FL | 52 | $ 18,950,000 | $ 364,423 | $ 253,000 |
| Las Vegas-Henderson-Paradise, NV | 52 | $ 19,800,000 | $ 380,769 | $ 189,000 |
| Anaheim-Santa Ana-Irvine, CA | 49 | $ 42,215,000 | $ 861,530 | $ 383,000 |
| Oakland-Hayward-Berkeley, CA | 46 | $ 40,550,000 | $ 881,521 | $ 275,000 |
| Punta Gorda, FL | 46 | $ 6,790,000 | $ 147,608 | $ 100,000 |
| Flagstaff, AZ | 43 | $ 15,775,000 | $ 366,860 | $ 212,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 43 | $ 32,845,000 | $ 763,837 | $ 278,000 |
| San Francisco-Redwood City-South San Francisco, CA | 42 | $ 49,400,000 | $ 1,176,190 | $ 409,000 |
| Charlotte-Concord-Gastonia, NC-SC | 40 | $ 22,590,000 | $ 564,750 | $ 234,125 |
| Portland-Vancouver-Hillsboro, OR-WA | 40 | $ 22,360,000 | $ 559,000 | $ 238,250 |
| New York-Jersey City-White Plains, NY-NJ | 38 | $ 32,150,000 | $ 846,052 | $ 322,052 |
| Kankakee, IL | 26 | $ 1,620,000 | $ 62,307 | $ 94,000 |
| Michigan City-La Porte, IN | 25 | $ 4,275,000 | $ 171,000 | $ 105,000 |
| Warren-Troy-Farmington Hills, MI | 25 | $ 9,445,000 | $ 377,800 | $ 209,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 24 | $ 22,120,000 | $ 921,666 | $ 387,000 |
| Cleveland-Elyria, OH | 22 | $ 7,870,000 | $ 357,727 | $ 239,000 |
| Cambridge-Newton-Framingham, MA | 21 | $ 13,975,000 | $ 665,476 | $ 242,000 |
| Lakeland-Winter Haven, FL | 21 | $ 3,655,000 | $ 174,047 | $ 124,000 |
| New York-Newark, NY | 21 | $ 14,025,000 | $ 667,857 | $ 354,000 |
| Fort Worth-Arlington, TX | 20 | $ 11,410,000 | $ 570,500 | $ 617,000 |
| Salt Lake City, UT | 20 | $ 13,910,000 | $ 695,500 | $ 211,000 |
| St. Joseph, MO-KS | 20 | $ 1,440,000 | $ 72,000 | $ 65,250 |
| Cincinnati, OH-KY-IN | 19 | $ 4,555,000 | $ 239,736 | $ 181,631 |
| Deltona-Daytona Beach-Ormond Beach, FL | 19 | $ 6,675,000 | $ 351,315 | $ 835,000 |
| Boston, MA | 17 | $ 12,965,000 | $ 762,647 | $ 605,000 |
| Charleston-North Charleston, SC | 17 | $ 12,845,000 | $ 755,588 | $ 301,000 |
| Fresno, CA | 17 | $ 9,615,000 | $ 565,588 | $ 311,000 |
| Columbus, OH | 16 | $ 3,790,000 | $ 236,875 | $ 180,000 |
| Crestview-Fort Walton Beach-Destin, FL | 16 | $ 8,990,000 | $ 561,875 | $ 343,000 |
| Port St. Lucie, FL | 16 | $ 4,280,000 | $ 267,500 | $ 160,000 |
| Springfield, MO | 16 | $ 4,960,000 | $ 310,000 | $ 195,000 |
| Albuquerque, NM | 15 | $ 7,335,000 | $ 489,000 | $ 221,000 |
| Baltimore-Columbia-Towson, MD | 15 | $ 10,495,000 | $ 699,666 | $ 190,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 15 | $ 25,555,000 | $ 1,703,666 | $ 632,000 |
| Niles-Benton Harbor, MI | 15 | $ 12,125,000 | $ 808,333 | $ 572,000 |
| Philadelphia, PA | 15 | $ 9,845,000 | $ 656,333 | $ 345,000 |
| Wichita, KS | 15 | $ 4,515,000 | $ 301,000 | $ 195,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 13,010,000 | $ 929,285 | $ 354,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 3,380,000 | $ 241,428 | $ 135,000 |
| Raleigh, NC | 14 | $ 3,660,000 | $ 261,428 | $ 136,000 |
| San Antonio-New Braunfels, TX | 14 | $ 8,820,000 | $ 630,000 | $ 313,000 |
| Washington-Baltimore-Arlington, DC | 14 | $ 12,230,000 | $ 873,571 | $ 1,171,000 |
| Pittsburgh, PA | 13 | $ 4,765,000 | $ 366,538 | $ 171,000 |
| Terre Haute, IN | 13 | $ 1,165,000 | $ 89,615 | $ 88,000 |
| Bloomington, IN | 12 | $ 1,930,000 | $ 160,833 | $ 210,000 |
| Colorado Springs, CO | 12 | $ 7,120,000 | $ 593,333 | $ 228,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 12 | $ 7,550,000 | $ 629,166 | $ 127,750 |
| Tacoma-Lakewood, WA | 12 | $ 6,090,000 | $ 507,500 | $ 152,000 |
| Columbia, MO | 11 | $ 2,685,000 | $ 244,090 | $ 140,000 |
| Davenport-Moline-Rock Island, IA-IL | 11 | $ 1,995,000 | $ 181,363 | $ 156,909 |
| Detroit-Dearborn-Livonia, MI | 11 | $ 1,115,000 | $ 101,363 | $ 116,000 |
| Grand Rapids-Wyoming, MI | 11 | $ 4,185,000 | $ 380,454 | $ 325,000 |
| Greenville-Anderson-Mauldin, SC | 11 | $ 2,755,000 | $ 250,454 | $ 793,000 |
| Newark, NJ-PA | 11 | $ 6,105,000 | $ 555,000 | $ 268,909 |
| Peoria, IL | 11 | $ 2,035,000 | $ 185,000 | $ 88,000 |
| Columbia, SC | 10 | $ 1,640,000 | $ 164,000 | $ 142,000 |
| Memphis, TN-MS-AR | 10 | $ 1,750,000 | $ 175,000 | $ 156,300 |
| Spokane-Spokane Valley, WA | 10 | $ 7,160,000 | $ 716,000 | $ 334,000 |
| Boise City, ID | 9 | $ 55,955,000 | $ 6,217,222 | $ 279,000 |
| Knoxville, TN | 9 | $ 1,225,000 | $ 136,111 | $ 138,000 |
| Lake Havasu City-Kingman, AZ | 9 | $ 1,965,000 | $ 218,333 | $ 154,000 |
| New Orleans-Metairie, LA | 9 | $ 4,275,000 | $ 475,000 | $ 219,000 |
| Oklahoma City, OK | 9 | $ 4,685,000 | $ 520,555 | $ 366,000 |
| Rochester, MN | 9 | $ 3,905,000 | $ 433,888 | $ 302,000 |
| San Rafael, CA | 9 | $ 10,915,000 | $ 1,212,777 | $ 503,000 |
| Santa Maria-Santa Barbara, CA | 9 | $ 5,895,000 | $ 655,000 | $ 258,000 |
| Springfield, IL | 9 | $ 2,845,000 | $ 316,111 | $ 222,000 |
| The Villages, FL | 9 | $ 1,445,000 | $ 160,555 | $ 145,000 |
| Tulsa, OK | 9 | $ 2,565,000 | $ 285,000 | $ 182,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 7,365,000 | $ 818,333 | $ 167,000 |
| Asheville, NC | 8 | $ 7,380,000 | $ 922,500 | $ 317,000 |
| Durham-Chapel Hill, NC | 8 | $ 1,490,000 | $ 186,250 | $ 141,000 |
| Fort Collins, CO | 8 | $ 4,120,000 | $ 515,000 | $ 648,000 |
| Lafayette-West Lafayette, IN | 8 | $ 1,560,000 | $ 195,000 | $ 75,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 740,000 | $ 92,500 | $ 110,000 |
| Nassau County-Suffolk County, NY | 8 | $ 5,270,000 | $ 658,750 | $ 416,000 |
| Ocala, FL | 8 | $ 710,000 | $ 88,750 | $ 54,000 |
| Providence-Warwick, RI-MA | 8 | $ 5,470,000 | $ 683,750 | $ 147,250 |
| Provo-Orem, UT | 8 | $ 4,920,000 | $ 615,000 | $ 193,000 |
| Richmond, VA | 8 | $ 2,450,000 | $ 306,250 | $ 113,000 |
| Salinas, CA | 8 | $ 10,570,000 | $ 1,321,250 | $ 219,000 |
| St. Cloud, MN | 8 | $ 2,160,000 | $ 270,000 | $ 203,000 |
| Stockton-Lodi, CA | 8 | $ 3,380,000 | $ 422,500 | $ 131,000 |
| Yuma, AZ | 8 | $ 630,000 | $ 78,750 | $ 106,000 |
| Baton Rouge, LA | 7 | $ 1,645,000 | $ 235,000 | $ 194,000 |
| Birmingham-Hoover, AL | 7 | $ 4,195,000 | $ 599,285 | $ 463,000 |
| Bloomington, IL | 7 | $ 1,025,000 | $ 146,428 | $ 97,000 |
| Boulder, CO | 7 | $ 4,055,000 | $ 579,285 | $ 183,000 |
| Camden, NJ | 7 | $ 3,475,000 | $ 496,428 | $ 256,000 |
| Carbondale-Marion, IL | 7 | $ 465,000 | $ 66,428 | $ 102,000 |
| Des Moines-West Des Moines, IA | 7 | $ 1,515,000 | $ 216,428 | $ 144,000 |
| Gainesville, FL | 7 | $ 1,875,000 | $ 267,857 | $ 154,000 |
| Kahului-Wailuku-Lahaina, HI | 7 | $ 14,865,000 | $ 2,123,571 | $ 699,000 |
| Las Cruces, NM | 7 | $ 2,285,000 | $ 326,428 | $ 232,000 |
| Panama City, FL | 7 | $ 1,035,000 | $ 147,857 | $ 184,000 |
| Santa Fe, NM | 7 | $ 5,485,000 | $ 783,571 | $ 351,000 |
| Savannah, GA | 7 | $ 3,925,000 | $ 560,714 | $ 107,000 |
| Sebastian-Vero Beach, FL | 7 | $ 26,005,000 | $ 3,715,000 | $ 1,299,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 2,355,000 | $ 336,428 | $ 345,571 |
| Syracuse, NY | 7 | $ 1,475,000 | $ 210,714 | $ 100,000 |
| Anchorage, AK | 6 | $ 2,610,000 | $ 435,000 | $ 246,000 |
| Barnstable Town, MA | 6 | $ 4,810,000 | $ 801,666 | $ 257,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 3,940,000 | $ 656,666 | $ 240,000 |
| Fargo, ND-MN | 6 | $ 1,030,000 | $ 171,666 | $ 116,666 |
| Montgomery County-Bucks County-Chester County, PA | 6 | $ 5,040,000 | $ 840,000 | $ 330,000 |
| Muncie, IN | 6 | $ 460,000 | $ 76,666 | $ 90,000 |
| Ocean City, NJ | 6 | $ 4,200,000 | $ 700,000 | $ 112,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,400,000 | $ 233,333 | $ 59,000 |
| Reno, NV | 6 | $ 4,430,000 | $ 738,333 | $ 341,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 5,880,000 | $ 980,000 | $ 189,000 |
| Visalia-Porterville, CA | 6 | $ 3,350,000 | $ 558,333 | $ 192,000 |
| Akron, OH | 5 | $ 1,585,000 | $ 317,000 | $ 190,000 |
| Bellingham, WA | 5 | $ 4,385,000 | $ 877,000 | $ 606,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,755,000 | $ 351,000 | $ 176,000 |
| Champaign-Urbana, IL | 5 | $ 585,000 | $ 117,000 | $ 286,000 |
| Chattanooga, TN-GA | 5 | $ 1,935,000 | $ 387,000 | $ 167,600 |
| Columbus, GA-AL | 5 | $ 555,000 | $ 111,000 | $ 478,600 |
| Decatur, IL | 5 | $ 415,000 | $ 83,000 | $ 54,000 |
| Fort Wayne, IN | 5 | $ 1,545,000 | $ 309,000 | $ 132,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 5,145,000 | $ 1,029,000 | $ 172,000 |
| Idaho Falls, ID | 5 | $ 975,000 | $ 195,000 | $ 254,000 |
| Kennewick-Richland, WA | 5 | $ 1,215,000 | $ 243,000 | $ 210,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 645,000 | $ 129,000 | $ 324,000 |
| Medford, OR | 5 | $ 2,615,000 | $ 523,000 | $ 155,000 |
| Ogden-Clearfield, UT | 5 | $ 3,125,000 | $ 625,000 | $ 195,000 |
| Olympia-Tumwater, WA | 5 | $ 4,105,000 | $ 821,000 | $ 279,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 2,525,000 | $ 505,000 | $ 243,000 |
| Rockingham County-Strafford County, NH | 5 | $ 2,555,000 | $ 511,000 | $ 178,000 |
| Santa Cruz-Watsonville, CA | 5 | $ 5,475,000 | $ 1,095,000 | $ 426,000 |
| Sioux Falls, SD | 5 | $ 2,275,000 | $ 455,000 | $ 224,000 |
| Tallahassee, FL | 5 | $ 1,115,000 | $ 223,000 | $ 92,000 |
| Toledo, OH | 5 | $ 625,000 | $ 125,000 | $ 112,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,250,000 | $ 312,500 | $ 248,250 |
| Clarksville, TN-KY | 4 | $ 980,000 | $ 245,000 | $ 94,500 |
| Columbus, IN | 4 | $ 420,000 | $ 105,000 | $ 74,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 230,000 | $ 57,500 | $ 90,000 |
| El Paso, TX | 4 | $ 1,420,000 | $ 355,000 | $ 189,000 |
| Eugene, OR | 4 | $ 1,990,000 | $ 497,500 | $ 253,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 1,530,000 | $ 382,500 | $ 164,000 |
| Homosassa Springs, FL | 4 | $ 680,000 | $ 170,000 | $ 103,000 |
| Jackson, MS | 4 | $ 600,000 | $ 150,000 | $ 142,000 |
| Joplin, MO | 4 | $ 320,000 | $ 80,000 | $ 107,000 |
| Madera, CA | 4 | $ 2,000,000 | $ 500,000 | $ 128,000 |
| Mankato-North Mankato, MN | 4 | $ 1,190,000 | $ 297,500 | $ 133,000 |
| Modesto, CA | 4 | $ 1,240,000 | $ 310,000 | $ 181,000 |
| Montgomery, AL | 4 | $ 440,000 | $ 110,000 | $ 250,000 |
| Shreveport-Bossier City, LA | 4 | $ 930,000 | $ 232,500 | $ 94,000 |
| Topeka, KS | 4 | $ 240,000 | $ 60,000 | $ 78,000 |
| Urban Honolulu, HI | 4 | $ 3,130,000 | $ 782,500 | $ 231,000 |
| Winston-Salem, NC | 4 | $ 120,000 | $ 30,000 | $ 73,000 |
| Ames, IA | 3 | $ 535,000 | $ 178,333 | $ 64,000 |
| Bakersfield, CA | 3 | $ 685,000 | $ 228,333 | $ 177,000 |
| Bend-Redmond, OR | 3 | $ 1,365,000 | $ 455,000 | $ 317,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 135,000 | $ 45,000 | $ 82,000 |
| Cape Girardeau, MO-IL | 3 | $ 275,000 | $ 91,666 | $ 88,000 |
| Cedar Rapids, IA | 3 | $ 1,015,000 | $ 338,333 | $ 137,000 |
| Charlottesville, VA | 3 | $ 935,000 | $ 311,666 | $ 131,000 |
| Dubuque, IA | 3 | $ 1,515,000 | $ 505,000 | $ 218,000 |
| Evansville, IN-KY | 3 | $ 235,000 | $ 78,333 | $ 45,000 |
| Grand Junction, CO | 3 | $ 2,795,000 | $ 931,666 | $ 301,000 |
| Greensboro-High Point, NC | 3 | $ 965,000 | $ 321,666 | $ 248,000 |
| Lafayette, LA | 3 | $ 925,000 | $ 308,333 | $ 353,000 |
| Lawrence, KS | 3 | $ 855,000 | $ 285,000 | $ 235,000 |
| Lexington-Fayette, KY | 3 | $ 1,285,000 | $ 428,333 | $ 154,000 |
| Lubbock, TX | 3 | $ 2,145,000 | $ 715,000 | $ 234,000 |
| New Haven-Milford, CT | 3 | $ 275,000 | $ 91,666 | $ 106,000 |
| Santa Rosa, CA | 3 | $ 1,575,000 | $ 525,000 | $ 555,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 195,000 | $ 65,000 | $ 87,000 |
| Spartanburg, SC | 3 | $ 435,000 | $ 145,000 | $ 135,000 |
| St. George, UT | 3 | $ 2,145,000 | $ 715,000 | $ 158,000 |
| Vallejo-Fairfield, CA | 3 | $ 115,000 | $ 38,333 | $ 98,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 355,000 | $ 118,333 | $ 94,000 |
| Ann Arbor, MI | 2 | $ 730,000 | $ 365,000 | $ 283,000 |
| Auburn-Opelika, AL | 2 | $ 290,000 | $ 145,000 | $ 32,000 |
| Billings, MT | 2 | $ 790,000 | $ 395,000 | $ 7,000 |
| Bowling Green, KY | 2 | $ 440,000 | $ 220,000 | $ 24,000 |
| Brunswick, GA | 2 | $ 4,230,000 | $ 2,115,000 | $ 1,198,000 |
| Charleston, WV | 2 | $ 180,000 | $ 90,000 | $ 81,000 |
| Chico, CA | 2 | $ 1,510,000 | $ 755,000 | $ 437,000 |
| Danville, IL | 2 | $ 270,000 | $ 135,000 | $ 20,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 920,000 | $ 460,000 | $ 493,000 |
| Elkhart-Goshen, IN | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Farmington, NM | 2 | $ 430,000 | $ 215,000 | $ 652,000 |
| Gainesville, GA | 2 | $ 760,000 | $ 380,000 | $ 24,000 |
| Glens Falls, NY | 2 | $ 1,700,000 | $ 850,000 | $ 407,000 |
| Greeley, CO | 2 | $ 1,310,000 | $ 655,000 | $ 296,000 |
| Harrisburg-Carlisle, PA | 2 | $ 200,000 | $ 100,000 | $ 283,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 1,040,000 | $ 520,000 | $ 36,000 |
| Hot Springs, AR | 2 | $ 1,320,000 | $ 660,000 | $ 144,000 |
| Iowa City, IA | 2 | $ 410,000 | $ 205,000 | $ 125,000 |
| Killeen-Temple, TX | 2 | $ 750,000 | $ 375,000 | $ 37,000 |
| Lansing-East Lansing, MI | 2 | $ 60,000 | $ 30,000 | $ 103,000 |
| Longview, TX | 2 | $ 430,000 | $ 215,000 | $ 148,000 |
| Merced, CA | 2 | $ 490,000 | $ 245,000 | $ 152,000 |
| Mobile, AL | 2 | $ 160,000 | $ 80,000 | $ 318,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 1,420,000 | $ 710,000 | $ 250,000 |
| Napa, CA | 2 | $ 3,210,000 | $ 1,605,000 | $ 700,000 |
| Norwich-New London, CT | 2 | $ 1,380,000 | $ 690,000 | $ 175,000 |
| Pittsfield, MA | 2 | $ 3,130,000 | $ 1,565,000 | $ 133,000 |
| Pocatello, ID | 2 | $ 1,630,000 | $ 815,000 | $ 228,000 |
| Redding, CA | 2 | $ 1,660,000 | $ 830,000 | $ 363,000 |
| Rocky Mount, NC | 2 | $ 90,000 | $ 45,000 | $ 49,000 |
| Saginaw, MI | 2 | $ 170,000 | $ 85,000 | $ 41,000 |
| Salem, OR | 2 | $ 90,000 | $ 45,000 | $ 119,000 |
| Salisbury, MD-DE | 2 | $ 180,000 | $ 90,000 | $ 245,000 |
| Trenton, NJ | 2 | $ 560,000 | $ 280,000 | $ 129,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 710,000 | $ 355,000 | $ 193,000 |
| Worcester, MA-CT | 2 | $ 50,000 | $ 25,000 | $ 55,000 |
| York-Hanover, PA | 2 | $ 1,690,000 | $ 845,000 | $ 711,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 15,000 | $ 15,000 | $ 113,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 25,000 | $ 25,000 | $ 131,000 |
| Amarillo, TX | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 335,000 | $ 335,000 | $ 115,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 405,000 | $ 405,000 | $ 339,000 |
| Battle Creek, MI | 1 | $ 25,000 | $ 25,000 | $ 240,000 |
| Beaumont-Port Arthur, TX | 1 | $ 75,000 | $ 75,000 | $ 296,000 |
| Beckley, WV | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 105,000 | $ 105,000 | $ 57,000 |
| Brownsville-Harlingen, TX | 1 | $ 285,000 | $ 285,000 | $ 160,000 |
| Burlington, NC | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Burlington-South Burlington, VT | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Canton-Massillon, OH | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Carson City, NV | 1 | $ 115,000 | $ 115,000 | $ 136,000 |
| Casper, WY | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Coeur D'Alene, ID | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Corvallis, OR | 1 | $ 705,000 | $ 705,000 | $ 262,000 |
| Decatur, AL | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Dover, DE | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Fayetteville, NC | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Florence, SC | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Fort Smith, AR-OK | 1 | $ 275,000 | $ 275,000 | $ 41,000 |
| Gadsden, AL | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Gettysburg, PA | 1 | $ 235,000 | $ 235,000 | $ 141,000 |
| Greenville, NC | 1 | $ 465,000 | $ 465,000 | $ 343,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 105,000 | $ 105,000 | $ 3,200,000 |
| Hanford-Corcoran, CA | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Hinesville, GA | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Houma-Thibodaux, LA | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| Jackson, MI | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Jackson, TN | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Johnstown, PA | 1 | $ 395,000 | $ 395,000 | $ 491,000 |
| Jonesboro, AR | 1 | $ 25,000 | $ 25,000 | $ 72,000 |
| Kalamazoo-Portage, MI | 1 | $ 2,475,000 | $ 2,475,000 | $ 63,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 105,000 | $ 105,000 | $ 290,000 |
| Lancaster, PA | 1 | $ 305,000 | $ 305,000 | $ 38,000 |
| Lebanon, PA | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Lima, OH | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Lincoln, NE | 1 | $ 1,185,000 | $ 1,185,000 | $ 0 |
| Longview, WA | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Lynchburg, VA | 1 | $ 155,000 | $ 155,000 | $ 180,000 |
| Macon-Bibb County, GA | 1 | $ 565,000 | $ 565,000 | $ 97,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 15,000 | $ 15,000 | $ 260,000 |
| Midland, TX | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Monroe, LA | 1 | $ 65,000 | $ 65,000 | $ 198,000 |
| Odessa, TX | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Pine Bluff, AR | 1 | $ 35,000 | $ 35,000 | $ 67,000 |
| Portland-South Portland, ME | 1 | $ 1,105,000 | $ 1,105,000 | $ 242,000 |
| Rapid City, SD | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
| Rochester, NY | 1 | $ 15,000 | $ 15,000 | $ 7,000 |
| Rome, GA | 1 | $ 735,000 | $ 735,000 | $ 352,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 915,000 | $ 915,000 | $ 850,000 |
| Sebring, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Springfield, OH | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Texarkana, TX-AR | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Twin Falls, ID | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| Warner Robins, GA | 1 | $ 105,000 | $ 105,000 | $ 212,000 |
| Wenatchee, WA | 1 | $ 715,000 | $ 715,000 | $ 395,000 |
| Wheeling, WV-OH | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Wilmington, DE-MD-NJ | 1 | $ 445,000 | $ 445,000 | $ 82,000 |
| Yuba City, CA | 1 | $ 565,000 | $ 565,000 | $ 236,000 |
Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2022
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 | 9,724 | $1,066,610,000 | $109,000 | $4,005,000 | $122,000 | $5,088,000 |
| Other Purpose | 8,219 | $1,322,865,000 | $160,000 | $33,255,000 | $135,000 | $8,450,000 |
| Home Purchase | 5,299 | $3,170,220,000 | $598,000 | $62,275,000 | $231,000 | $9,307,000 |
| Cash-out Refinancing | 4,988 | $1,079,030,000 | $216,000 | $27,115,000 | $114,000 | $6,475,000 |
| Refinancing | 831 | $608,870,000 | $733,000 | $88,005,000 | $160,000 | $2,643,000 |
| 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 | 19,014 | $3,621,830,000 | $190,000 | $33,255,000 | $135,000 | $8,450,000 |
| Not Provided | 3,823 | $1,875,395,000 | $490,000 | $16,085,000 | $229,000 | $9,307,000 |
| Hispanic | 2,839 | $360,795,000 | $127,000 | $4,555,000 | $96,000 | $2,421,000 |
| Black or African American | 1,472 | $160,140,000 | $108,000 | $3,265,000 | $98,000 | $4,671,000 |
| Asian | 1,109 | $298,585,000 | $269,000 | $4,675,000 | $186,000 | $6,161,000 |
| Not applicable | 325 | $771,815,000 | $2,389,000 | $88,005,000 | $56,000 | $171,000 |
| American Indian or Alaskan Native | 169 | $28,265,000 | $167,000 | $2,555,000 | $186,000 | $6,400,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $2,105,000 | $123,000 | $495,000 | $119,000 | $748,000 |
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) | 28,742 | $7,186,040,000 | $250,000 | $88,005,000 | $146,000 | $9,307,000 |
| FHA-insured (Federal Housing Administration) | 319 | $61,555,000 | $192,000 | $595,000 | $63,000 | $247,000 |
| 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 | 13,672 | $4,014,000,000 | $293,000 | $88,005,000 | $159,000 | $9,307,000 |
| Application Denied By Financial Institution | 8,257 | $1,301,935,000 | $157,000 | $8,755,000 | $104,000 | $8,450,000 |
| Application Withdrawn By Applicant | 3,080 | $795,030,000 | $258,000 | $5,355,000 | $185,000 | $6,455,000 |
| File Closed For Incompleteness | 2,654 | $446,250,000 | $168,000 | $6,005,000 | $152,000 | $4,150,000 |
| Application Approved But Not Accepted | 426 | $73,340,000 | $172,000 | $7,485,000 | $115,000 | $895,000 |
| Preapproval Denied by Financial Institution | 334 | $165,540,000 | $495,000 | $10,005,000 | $122,000 | $1,836,000 |
| Preapproval Approved but not Accepted | 327 | $178,125,000 | $544,000 | $3,605,000 | $217,000 | $4,455,000 |
| Loan Purchased By The Institution | 311 | $273,375,000 | $879,000 | $1,985,000 | $56,000 | $171,000 |
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 | 20,470 | $5,780,120,000 | $282,000 | $88,005,000 | $162,000 | $9,307,000 |
| Debt-To-Income Ratio | 3,623 | $783,495,000 | $216,000 | $10,005,000 | $71,000 | $1,551,000 |
| Credit History | 3,085 | $271,355,000 | $87,000 | $1,505,000 | $106,000 | $8,450,000 |
| Collateral | 1,078 | $203,290,000 | $188,000 | $8,755,000 | $162,000 | $6,400,000 |
| Other | 380 | $79,050,000 | $208,000 | $4,675,000 | $159,000 | $3,500,000 |
| Unverifiable Information | 322 | $81,300,000 | $252,000 | $4,505,000 | $162,000 | $3,084,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $14,500,000 | $381,000 | $1,655,000 | $136,000 | $476,000 |
| Employment History | 35 | $8,605,000 | $245,000 | $1,665,000 | $71,000 | $350,000 |
| Credit Application Incomplete | 30 | $25,880,000 | $862,000 | $2,005,000 | $490,000 | $3,072,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2022 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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