BMO Harris Bank NA Mortgage Lending & HMDA Data, 2024
In 2024, BMO Harris Bank NA of Chicago, IL reported 42,165 mortgage applications totaling $18.8 billion, up 18% from 2023. The average application was for $446,361, and applicants reported an average income of $221,623. 43% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Chicago-Naperville, IL (6,323), Los Angeles-Long Beach-Glendale, CA (2,598) and Milwaukee-Waukesha-West Allis, WI (2,018) (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 | 42,165 |
| Total Mortgage Loan Application Amount | $18,820,815,000 |
| Average Mortgage Loan Application Amount | $446,361 |
| Highest Mortgage Loan Application Amount | $28,825,000 |
| Average Applicant Income | $221,623 |
| Highest Applicant Income | $9,389,000 |
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Act (HMDA) records BMO Harris Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 6,323 | $ 1,270,005,000 | $ 200,854 | $ 148,000 |
| Outside any metro area | 5,534 | $ 2,806,500,000 | $ 507,137 | $ 207,417 |
| Los Angeles-Long Beach-Glendale, CA | 2,598 | $ 2,479,290,000 | $ 954,307 | $ 409,000 |
| Milwaukee-Waukesha-West Allis, WI | 2,018 | $ 359,700,000 | $ 178,245 | $ 122,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,837 | $ 651,475,000 | $ 354,640 | $ 195,000 |
| Oakland-Hayward-Berkeley, CA | 1,720 | $ 1,256,040,000 | $ 730,255 | $ 292,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,588 | $ 1,953,710,000 | $ 1,230,295 | $ 422,000 |
| Indianapolis-Carmel-Anderson, IN | 1,274 | $ 213,660,000 | $ 167,708 | $ 115,000 |
| Denver-Aurora-Lakewood, CO | 1,100 | $ 391,230,000 | $ 355,663 | $ 191,000 |
| Anaheim-Santa Ana-Irvine, CA | 917 | $ 774,975,000 | $ 845,119 | $ 370,000 |
| Elgin, IL | 840 | $ 125,170,000 | $ 149,011 | $ 123,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 788 | $ 167,760,000 | $ 212,893 | $ 155,241 |
| San Francisco-Redwood City-South San Francisco, CA | 662 | $ 781,060,000 | $ 1,179,848 | $ 423,000 |
| Lake County-Kenosha County, IL-WI | 591 | $ 147,405,000 | $ 249,416 | $ 171,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 533 | $ 271,815,000 | $ 509,971 | $ 287,000 |
| Madison, WI | 511 | $ 107,375,000 | $ 210,127 | $ 126,000 |
| Kansas City, MO-KS | 501 | $ 98,195,000 | $ 195,998 | $ 153,934 |
| Riverside-San Bernardino-Ontario, CA | 490 | $ 206,190,000 | $ 420,795 | $ 281,000 |
| Lake County-Porter County-Jasper County, IN | 466 | $ 53,090,000 | $ 113,927 | $ 98,000 |
| Stockton-Lodi, CA | 409 | $ 109,155,000 | $ 266,882 | $ 159,000 |
| Tucson, AZ | 378 | $ 83,090,000 | $ 219,814 | $ 148,000 |
| San Diego-Carlsbad, CA | 362 | $ 330,220,000 | $ 912,209 | $ 330,000 |
| Omaha-Council Bluffs, NE-IA | 352 | $ 47,340,000 | $ 134,488 | $ 125,093 |
| St. Louis, MO-IL | 319 | $ 74,195,000 | $ 232,586 | $ 179,724 |
| Rockford, IL | 316 | $ 29,740,000 | $ 94,113 | $ 88,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 312 | $ 126,190,000 | $ 404,455 | $ 230,384 |
| Modesto, CA | 308 | $ 47,960,000 | $ 155,714 | $ 153,000 |
| Albuquerque, NM | 295 | $ 52,885,000 | $ 179,271 | $ 144,000 |
| North Port-Sarasota-Bradenton, FL | 293 | $ 85,435,000 | $ 291,587 | $ 172,000 |
| Green Bay, WI | 269 | $ 42,605,000 | $ 158,382 | $ 108,000 |
| Las Vegas-Henderson-Paradise, NV | 248 | $ 103,740,000 | $ 418,306 | $ 278,000 |
| Seattle-Bellevue-Everett, WA | 240 | $ 278,330,000 | $ 1,159,708 | $ 397,000 |
| Fresno, CA | 230 | $ 62,160,000 | $ 270,260 | $ 260,000 |
| Racine, WI | 227 | $ 32,265,000 | $ 142,136 | $ 99,000 |
| Appleton, WI | 226 | $ 37,340,000 | $ 165,221 | $ 114,000 |
| Des Moines-West Des Moines, IA | 205 | $ 20,865,000 | $ 101,780 | $ 86,000 |
| Janesville-Beloit, WI | 200 | $ 25,600,000 | $ 128,000 | $ 82,000 |
| Kenosha, WI | 194 | $ 25,540,000 | $ 131,649 | $ 102,000 |
| Santa Rosa, CA | 173 | $ 67,995,000 | $ 393,034 | $ 203,000 |
| Wichita, KS | 171 | $ 20,145,000 | $ 117,807 | $ 97,000 |
| Prescott Valley-Prescott, AZ | 150 | $ 41,650,000 | $ 277,666 | $ 144,000 |
| Vallejo-Fairfield, CA | 149 | $ 30,675,000 | $ 205,872 | $ 149,000 |
| Oshkosh-Neenah, WI | 144 | $ 25,010,000 | $ 173,680 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 140 | $ 135,010,000 | $ 964,357 | $ 389,000 |
| San Rafael, CA | 133 | $ 118,135,000 | $ 888,233 | $ 357,000 |
| Sheboygan, WI | 127 | $ 19,035,000 | $ 149,881 | $ 118,000 |
| Wausau, WI | 110 | $ 14,600,000 | $ 132,727 | $ 104,000 |
| Reno, NV | 105 | $ 40,275,000 | $ 383,571 | $ 224,000 |
| Dallas-Plano-Irving, TX | 103 | $ 107,505,000 | $ 1,043,737 | $ 555,000 |
| Boise City, ID | 99 | $ 24,035,000 | $ 242,777 | $ 176,000 |
| Visalia-Porterville, CA | 99 | $ 21,905,000 | $ 221,262 | $ 160,000 |
| Kokomo, IN | 96 | $ 8,950,000 | $ 93,229 | $ 76,000 |
| Santa Maria-Santa Barbara, CA | 94 | $ 61,520,000 | $ 654,468 | $ 294,000 |
| Fond Du Lac, WI | 93 | $ 12,755,000 | $ 137,150 | $ 138,000 |
| Santa Cruz-Watsonville, CA | 93 | $ 67,235,000 | $ 722,956 | $ 312,000 |
| Bakersfield, CA | 91 | $ 15,755,000 | $ 173,131 | $ 128,000 |
| Tampa, FL | 89 | $ 22,725,000 | $ 255,337 | $ 215,000 |
| Boulder, CO | 88 | $ 38,040,000 | $ 432,272 | $ 217,000 |
| Naples-Immokalee-Marco Island, FL | 85 | $ 91,735,000 | $ 1,079,235 | $ 491,000 |
| Fort Collins, CO | 84 | $ 23,710,000 | $ 282,261 | $ 145,000 |
| Las Cruces, NM | 83 | $ 10,055,000 | $ 121,144 | $ 110,000 |
| Cape Coral-Fort Myers, FL | 81 | $ 27,035,000 | $ 333,765 | $ 240,000 |
| Houston-The Woodlands-Sugar Land, TX | 80 | $ 71,680,000 | $ 896,000 | $ 358,000 |
| Atlanta-Sandy Springs-Roswell, GA | 79 | $ 45,925,000 | $ 581,329 | $ 291,000 |
| Miami-Miami Beach-Kendall, FL | 77 | $ 91,255,000 | $ 1,185,129 | $ 740,000 |
| Everett, WA | 76 | $ 64,260,000 | $ 845,526 | $ 349,000 |
| Salt Lake City, UT | 73 | $ 49,495,000 | $ 678,013 | $ 284,000 |
| Orlando-Kissimmee-Sanford, FL | 68 | $ 32,360,000 | $ 475,882 | $ 249,000 |
| Eau Claire, WI | 65 | $ 10,235,000 | $ 157,461 | $ 111,000 |
| Oklahoma City, OK | 65 | $ 10,535,000 | $ 162,076 | $ 145,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 65 | $ 72,825,000 | $ 1,120,384 | $ 430,000 |
| Duluth, MN-WI | 64 | $ 8,810,000 | $ 137,656 | $ 115,750 |
| La Crosse-Onalaska, WI-MN | 64 | $ 10,980,000 | $ 171,562 | $ 163,375 |
| Greeley, CO | 63 | $ 12,535,000 | $ 198,968 | $ 129,000 |
| Napa, CA | 63 | $ 27,075,000 | $ 429,761 | $ 275,000 |
| Austin-Round Rock, TX | 59 | $ 54,125,000 | $ 917,372 | $ 409,000 |
| New York-Jersey City-White Plains, NY-NJ | 58 | $ 72,660,000 | $ 1,252,758 | $ 649,689 |
| Salinas, CA | 58 | $ 33,490,000 | $ 577,413 | $ 328,000 |
| Grand Junction, CO | 57 | $ 10,705,000 | $ 187,807 | $ 150,000 |
| Lincoln, NE | 51 | $ 6,645,000 | $ 130,294 | $ 97,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 45 | $ 29,455,000 | $ 654,555 | $ 421,000 |
| St. Petersburg-Clearwater-Largo, FL | 45 | $ 23,745,000 | $ 527,666 | $ 244,000 |
| Arlington-Alexandria-Reston, VA-WV | 43 | $ 34,545,000 | $ 803,372 | $ 450,000 |
| Chico, CA | 43 | $ 5,815,000 | $ 135,232 | $ 86,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 42 | $ 57,690,000 | $ 1,373,571 | $ 443,000 |
| Ames, IA | 41 | $ 3,765,000 | $ 91,829 | $ 70,000 |
| Flagstaff, AZ | 41 | $ 19,675,000 | $ 479,878 | $ 358,000 |
| Hanford-Corcoran, CA | 41 | $ 5,455,000 | $ 133,048 | $ 66,000 |
| Merced, CA | 39 | $ 8,215,000 | $ 210,641 | $ 143,000 |
| Cedar Rapids, IA | 37 | $ 3,605,000 | $ 97,432 | $ 73,000 |
| Charlotte-Concord-Gastonia, NC-SC | 37 | $ 21,415,000 | $ 578,783 | $ 303,270 |
| Yakima, WA | 37 | $ 10,415,000 | $ 281,486 | $ 107,000 |
| Lakewood-New Brunswick, NJ | 36 | $ 24,010,000 | $ 666,944 | $ 421,000 |
| Cheyenne, WY | 34 | $ 4,740,000 | $ 139,411 | $ 101,000 |
| Kennewick-Richland, WA | 34 | $ 9,230,000 | $ 271,470 | $ 153,000 |
| Provo-Orem, UT | 34 | $ 28,960,000 | $ 851,764 | $ 369,000 |
| Tacoma-Lakewood, WA | 34 | $ 25,840,000 | $ 760,000 | $ 328,000 |
| Cambridge-Newton-Framingham, MA | 33 | $ 32,005,000 | $ 969,848 | $ 359,000 |
| Newark, NJ-PA | 33 | $ 22,915,000 | $ 694,393 | $ 352,000 |
| Bend-Redmond, OR | 32 | $ 25,850,000 | $ 807,812 | $ 397,000 |
| Jacksonville, FL | 32 | $ 28,850,000 | $ 901,562 | $ 340,000 |
| Columbus, OH | 31 | $ 12,315,000 | $ 397,258 | $ 382,000 |
| Fargo, ND-MN | 31 | $ 8,645,000 | $ 278,870 | $ 208,000 |
| San Antonio-New Braunfels, TX | 31 | $ 21,465,000 | $ 692,419 | $ 324,000 |
| Tulsa, OK | 31 | $ 5,745,000 | $ 185,322 | $ 170,000 |
| Lake Havasu City-Kingman, AZ | 30 | $ 12,090,000 | $ 403,000 | $ 391,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 30 | $ 19,750,000 | $ 658,333 | $ 307,000 |
| Boston, MA | 27 | $ 24,115,000 | $ 893,148 | $ 325,000 |
| Baltimore-Columbia-Towson, MD | 26 | $ 11,800,000 | $ 453,846 | $ 271,000 |
| Washington-Baltimore-Arlington, DC | 26 | $ 20,600,000 | $ 792,307 | $ 323,000 |
| Enid, OK | 25 | $ 1,595,000 | $ 63,800 | $ 68,000 |
| Fort Worth-Arlington, TX | 24 | $ 22,790,000 | $ 949,583 | $ 453,000 |
| Marietta, GA | 24 | $ 7,980,000 | $ 332,500 | $ 228,000 |
| Michigan City-La Porte, IN | 23 | $ 2,825,000 | $ 122,826 | $ 132,000 |
| Warren-Troy-Farmington Hills, MI | 23 | $ 14,105,000 | $ 613,260 | $ 347,000 |
| Cincinnati, OH-KY-IN | 22 | $ 9,140,000 | $ 415,454 | $ 240,636 |
| Ogden-Clearfield, UT | 22 | $ 18,430,000 | $ 837,727 | $ 363,000 |
| Bridgeport-Stamford-Norwalk, CT | 20 | $ 27,980,000 | $ 1,399,000 | $ 566,000 |
| Colorado Springs, CO | 20 | $ 7,990,000 | $ 399,500 | $ 322,000 |
| Kankakee, IL | 20 | $ 2,760,000 | $ 138,000 | $ 108,000 |
| Rochester, MN | 20 | $ 3,500,000 | $ 175,000 | $ 117,000 |
| Yuba City, CA | 20 | $ 3,980,000 | $ 199,000 | $ 90,000 |
| Hartford-West Hartford-East Hartford, CT | 19 | $ 9,545,000 | $ 502,368 | $ 297,000 |
| Pittsburgh, PA | 19 | $ 9,175,000 | $ 482,894 | $ 295,000 |
| Punta Gorda, FL | 19 | $ 3,985,000 | $ 209,736 | $ 149,000 |
| Carson City, NV | 18 | $ 2,050,000 | $ 113,888 | $ 205,000 |
| Cleveland, OH | 18 | $ 12,960,000 | $ 720,000 | $ 296,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 18 | $ 21,360,000 | $ 1,186,666 | $ 365,000 |
| Knoxville, TN | 17 | $ 14,975,000 | $ 880,882 | $ 235,000 |
| St. Cloud, MN | 17 | $ 3,085,000 | $ 181,470 | $ 158,000 |
| Urban Honolulu, HI | 17 | $ 20,985,000 | $ 1,234,411 | $ 651,000 |
| Anchorage, AK | 16 | $ 10,780,000 | $ 673,750 | $ 368,000 |
| Billings, MT | 16 | $ 10,250,000 | $ 640,625 | $ 388,000 |
| Lakeland-Winter Haven, FL | 16 | $ 5,190,000 | $ 324,375 | $ 326,000 |
| Louisville/Jefferson County, KY-IN | 16 | $ 3,490,000 | $ 218,125 | $ 150,500 |
| Raleigh, NC | 16 | $ 8,820,000 | $ 551,250 | $ 298,000 |
| Spokane-Spokane Valley, WA | 16 | $ 10,880,000 | $ 680,000 | $ 305,000 |
| Washington, DC-MD | 16 | $ 10,820,000 | $ 676,250 | $ 383,937 |
| Birmingham-Hoover, AL | 15 | $ 6,685,000 | $ 445,666 | $ 221,000 |
| Montgomery County-Bucks County-Chester County, PA | 15 | $ 7,665,000 | $ 511,000 | $ 341,000 |
| Nassau County-Suffolk County, NY | 15 | $ 41,025,000 | $ 2,735,000 | $ 2,210,000 |
| New Haven-Milford, CT | 15 | $ 7,765,000 | $ 517,666 | $ 244,000 |
| Salem, OR | 15 | $ 6,225,000 | $ 415,000 | $ 248,000 |
| St. Joseph, MO-KS | 15 | $ 2,435,000 | $ 162,333 | $ 151,000 |
| Detroit-Dearborn-Livonia, MI | 14 | $ 2,840,000 | $ 202,857 | $ 118,000 |
| Peoria, IL | 14 | $ 3,000,000 | $ 214,285 | $ 195,000 |
| Richmond, VA | 14 | $ 7,130,000 | $ 509,285 | $ 297,000 |
| South Bend-Mishawaka, IN-MI | 14 | $ 6,780,000 | $ 484,285 | $ 411,071 |
| Hilton Head Island-Bluffton-Beaufort, SC | 13 | $ 8,915,000 | $ 685,769 | $ 399,000 |
| Portland-South Portland, ME | 13 | $ 9,875,000 | $ 759,615 | $ 352,000 |
| Springfield, MO | 13 | $ 5,195,000 | $ 399,615 | $ 225,000 |
| St. George, UT | 13 | $ 11,875,000 | $ 913,461 | $ 796,000 |
| Eugene, OR | 12 | $ 8,110,000 | $ 675,833 | $ 417,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 12 | $ 2,800,000 | $ 233,333 | $ 248,000 |
| Kahului-Wailuku-Lahaina, HI | 12 | $ 18,460,000 | $ 1,538,333 | $ 620,000 |
| Niles-Benton Harbor, MI | 12 | $ 7,710,000 | $ 642,500 | $ 396,000 |
| Rapid City, SD | 12 | $ 6,770,000 | $ 564,166 | $ 340,000 |
| Santa Fe, NM | 12 | $ 3,820,000 | $ 318,333 | $ 224,000 |
| Bellingham, WA | 11 | $ 8,815,000 | $ 801,363 | $ 289,000 |
| Grand Island, NE | 11 | $ 1,815,000 | $ 165,000 | $ 99,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 11,685,000 | $ 1,062,272 | $ 321,000 |
| Philadelphia, PA | 11 | $ 6,735,000 | $ 612,272 | $ 314,000 |
| Providence-Warwick, RI-MA | 11 | $ 10,115,000 | $ 919,545 | $ 468,181 |
| Gainesville, FL | 10 | $ 4,990,000 | $ 499,000 | $ 239,000 |
| Grand Rapids-Wyoming, MI | 10 | $ 2,440,000 | $ 244,000 | $ 131,000 |
| Savannah, GA | 10 | $ 6,780,000 | $ 678,000 | $ 926,000 |
| Charleston-North Charleston, SC | 9 | $ 9,325,000 | $ 1,036,111 | $ 380,000 |
| Lawrence, KS | 9 | $ 1,175,000 | $ 130,555 | $ 241,000 |
| Medford, OR | 9 | $ 5,475,000 | $ 608,333 | $ 340,000 |
| New Orleans-Metairie, LA | 9 | $ 5,795,000 | $ 643,888 | $ 433,000 |
| Port St. Lucie, FL | 9 | $ 2,025,000 | $ 225,000 | $ 83,000 |
| Terre Haute, IN | 9 | $ 625,000 | $ 69,444 | $ 105,000 |
| Traverse City, MI | 9 | $ 5,355,000 | $ 595,000 | $ 958,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 3,665,000 | $ 407,222 | $ 227,000 |
| Bloomington, IN | 8 | $ 1,530,000 | $ 191,250 | $ 117,000 |
| Bozeman, MT | 8 | $ 4,850,000 | $ 606,250 | $ 249,000 |
| Fort Wayne, IN | 8 | $ 2,250,000 | $ 281,250 | $ 288,000 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 3,560,000 | $ 445,000 | $ 262,000 |
| Huntsville, AL | 8 | $ 3,610,000 | $ 451,250 | $ 273,000 |
| Slidell-Mandeville-Covington, LA | 8 | $ 2,550,000 | $ 318,750 | $ 194,000 |
| Winston-Salem, NC | 8 | $ 2,380,000 | $ 297,500 | $ 295,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 3,025,000 | $ 432,142 | $ 187,857 |
| Camden, NJ | 7 | $ 2,255,000 | $ 322,142 | $ 183,000 |
| Casper, WY | 7 | $ 2,185,000 | $ 312,142 | $ 180,000 |
| Columbus, IN | 7 | $ 1,585,000 | $ 226,428 | $ 199,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 8,305,000 | $ 1,186,428 | $ 783,000 |
| Durham-Chapel Hill, NC | 7 | $ 3,495,000 | $ 499,285 | $ 277,000 |
| Memphis, TN-MS-AR | 7 | $ 2,155,000 | $ 307,857 | $ 239,000 |
| Sioux Falls, SD | 7 | $ 1,885,000 | $ 269,285 | $ 244,000 |
| Topeka, KS | 7 | $ 865,000 | $ 123,571 | $ 110,000 |
| Tyler, TX | 7 | $ 4,235,000 | $ 605,000 | $ 478,000 |
| Wenatchee, WA | 7 | $ 5,395,000 | $ 770,714 | $ 482,000 |
| Wilmington, NC | 7 | $ 6,185,000 | $ 883,571 | $ 367,000 |
| Yuma, AZ | 7 | $ 3,285,000 | $ 469,285 | $ 388,000 |
| Bloomington, IL | 6 | $ 1,170,000 | $ 195,000 | $ 135,000 |
| College Station-Bryan, TX | 6 | $ 3,190,000 | $ 531,666 | $ 278,000 |
| Columbia, MO | 6 | $ 3,620,000 | $ 603,333 | $ 407,000 |
| Columbia, SC | 6 | $ 1,750,000 | $ 291,666 | $ 206,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 3,280,000 | $ 546,666 | $ 907,000 |
| Gulfport-Biloxi-Pascagoula, MS | 6 | $ 1,430,000 | $ 238,333 | $ 144,000 |
| Hattiesburg, MS | 6 | $ 1,700,000 | $ 283,333 | $ 295,000 |
| Jackson, MS | 6 | $ 1,170,000 | $ 195,000 | $ 155,000 |
| Lubbock, TX | 6 | $ 3,190,000 | $ 531,666 | $ 308,000 |
| Ocala, FL | 6 | $ 1,040,000 | $ 173,333 | $ 80,000 |
| Redding, CA | 6 | $ 1,340,000 | $ 223,333 | $ 1,238,000 |
| Asheville, NC | 5 | $ 3,115,000 | $ 623,000 | $ 294,000 |
| Barnstable Town, MA | 5 | $ 3,205,000 | $ 641,000 | $ 493,000 |
| Coeur D'Alene, ID | 5 | $ 2,585,000 | $ 517,000 | $ 190,000 |
| Columbus, GA-AL | 5 | $ 2,625,000 | $ 525,000 | $ 402,000 |
| Dayton-Springfield-Kettering, OH | 5 | $ 1,145,000 | $ 229,000 | $ 154,000 |
| El Paso, TX | 5 | $ 1,515,000 | $ 303,000 | $ 255,000 |
| Evansville, IN-KY | 5 | $ 845,000 | $ 169,000 | $ 93,000 |
| Greensboro-High Point, NC | 5 | $ 1,625,000 | $ 325,000 | $ 346,000 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 1,815,000 | $ 363,000 | $ 209,000 |
| Idaho Falls, ID | 5 | $ 1,315,000 | $ 263,000 | $ 174,000 |
| Iowa City, IA | 5 | $ 1,385,000 | $ 277,000 | $ 399,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 1,295,000 | $ 259,000 | $ 352,000 |
| Logan, UT-ID | 5 | $ 2,645,000 | $ 529,000 | $ 229,000 |
| Olympia-Tumwater, WA | 5 | $ 2,235,000 | $ 447,000 | $ 243,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 2,425,000 | $ 485,000 | $ 259,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,255,000 | $ 251,000 | $ 177,000 |
| Spartanburg, SC | 5 | $ 2,155,000 | $ 431,000 | $ 164,000 |
| Springfield, MA | 5 | $ 2,365,000 | $ 473,000 | $ 197,000 |
| Tallahassee, FL | 5 | $ 2,295,000 | $ 459,000 | $ 373,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,465,000 | $ 293,000 | $ 177,000 |
| Worcester, MA-CT | 5 | $ 1,795,000 | $ 359,000 | $ 177,000 |
| Akron, OH | 4 | $ 2,280,000 | $ 570,000 | $ 494,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 1,090,000 | $ 272,500 | $ 216,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,420,000 | $ 355,000 | $ 106,000 |
| Burlington-South Burlington, VT | 4 | $ 2,160,000 | $ 540,000 | $ 136,000 |
| Charleston, WV | 4 | $ 2,600,000 | $ 650,000 | $ 385,000 |
| Charlottesville, VA | 4 | $ 2,330,000 | $ 582,500 | $ 244,000 |
| Florence, SC | 4 | $ 1,710,000 | $ 427,500 | $ 277,000 |
| Fort Smith, AR-OK | 4 | $ 1,510,000 | $ 377,500 | $ 312,500 |
| Joplin, MO | 4 | $ 440,000 | $ 110,000 | $ 100,000 |
| Lafayette, LA | 4 | $ 1,470,000 | $ 367,500 | $ 167,000 |
| Lansing-East Lansing, MI | 4 | $ 4,760,000 | $ 1,190,000 | $ 2,866,000 |
| Lawton, OK | 4 | $ 350,000 | $ 87,500 | $ 60,000 |
| Macon-Bibb County, GA | 4 | $ 590,000 | $ 147,500 | $ 279,000 |
| Manhattan, KS | 4 | $ 970,000 | $ 242,500 | $ 121,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,500,000 | $ 375,000 | $ 231,000 |
| Pocatello, ID | 4 | $ 1,370,000 | $ 342,500 | $ 242,000 |
| Pueblo, CO | 4 | $ 1,260,000 | $ 315,000 | $ 137,000 |
| Wildwood-The Villages, FL | 4 | $ 1,350,000 | $ 337,500 | $ 175,000 |
| Ann Arbor, MI | 3 | $ 2,865,000 | $ 955,000 | $ 627,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 1,635,000 | $ 545,000 | $ 307,000 |
| Clarksville, TN-KY | 3 | $ 1,965,000 | $ 655,000 | $ 234,000 |
| Corpus Christi, TX | 3 | $ 2,195,000 | $ 731,666 | $ 366,000 |
| Corvallis, OR | 3 | $ 2,495,000 | $ 831,666 | $ 438,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 645,000 | $ 215,000 | $ 62,000 |
| Gainesville, GA | 3 | $ 3,285,000 | $ 1,095,000 | $ 486,000 |
| Hot Springs, AR | 3 | $ 325,000 | $ 108,333 | $ 57,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 1,965,000 | $ 655,000 | $ 297,000 |
| Johnson City, TN | 3 | $ 695,000 | $ 231,666 | $ 114,000 |
| Kalamazoo-Portage, MI | 3 | $ 845,000 | $ 281,666 | $ 203,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 905,000 | $ 301,666 | $ 186,666 |
| Lafayette-West Lafayette, IN | 3 | $ 315,000 | $ 105,000 | $ 54,000 |
| Lancaster, PA | 3 | $ 1,625,000 | $ 541,666 | $ 310,000 |
| Manchester-Nashua, NH | 3 | $ 1,935,000 | $ 645,000 | $ 269,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 1,485,000 | $ 495,000 | $ 699,000 |
| Missoula, MT | 3 | $ 2,575,000 | $ 858,333 | $ 450,000 |
| Mobile, AL | 3 | $ 575,000 | $ 191,666 | $ 85,000 |
| Montgomery, AL | 3 | $ 255,000 | $ 85,000 | $ 236,000 |
| Norwich-New London, CT | 3 | $ 5,705,000 | $ 1,901,666 | $ 488,000 |
| Panama City, FL | 3 | $ 935,000 | $ 311,666 | $ 111,000 |
| Rockingham County-Strafford County, NH | 3 | $ 2,265,000 | $ 755,000 | $ 292,000 |
| Shreveport-Bossier City, LA | 3 | $ 685,000 | $ 228,333 | $ 84,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 1,145,000 | $ 381,666 | $ 148,000 |
| Toledo, OH | 3 | $ 675,000 | $ 225,000 | $ 144,000 |
| Trenton, NJ | 3 | $ 1,205,000 | $ 401,666 | $ 164,000 |
| Tuscaloosa, AL | 3 | $ 1,575,000 | $ 525,000 | $ 260,000 |
| Waterbury-Shelton, CT | 3 | $ 2,455,000 | $ 818,333 | $ 353,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 445,000 | $ 148,333 | $ 174,000 |
| York-Hanover, PA | 3 | $ 815,000 | $ 271,666 | $ 196,000 |
| Abilene, TX | 2 | $ 890,000 | $ 445,000 | $ 594,000 |
| Amherst Town-Northampton, MA | 2 | $ 1,030,000 | $ 515,000 | $ 335,000 |
| Athens-Clarke County, GA | 2 | $ 540,000 | $ 270,000 | $ 254,000 |
| Bismarck, ND | 2 | $ 1,200,000 | $ 600,000 | $ 458,000 |
| Brownsville-Harlingen, TX | 2 | $ 1,760,000 | $ 880,000 | $ 520,000 |
| Brunswick, GA | 2 | $ 1,770,000 | $ 885,000 | $ 168,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 250,000 | $ 125,000 | $ 230,000 |
| Canton-Massillon, OH | 2 | $ 1,190,000 | $ 595,000 | $ 360,000 |
| Champaign-Urbana, IL | 2 | $ 670,000 | $ 335,000 | $ 213,000 |
| Chattanooga, TN-GA | 2 | $ 1,320,000 | $ 660,000 | $ 425,000 |
| Fairbanks, AK | 2 | $ 820,000 | $ 410,000 | $ 182,000 |
| Fayetteville, NC | 2 | $ 360,000 | $ 180,000 | $ 38,000 |
| Flint, MI | 2 | $ 340,000 | $ 170,000 | $ 152,000 |
| Goldsboro, NC | 2 | $ 130,000 | $ 65,000 | $ 143,000 |
| Grand Forks, ND-MN | 2 | $ 280,000 | $ 140,000 | $ 134,000 |
| Grants Pass, OR | 2 | $ 870,000 | $ 435,000 | $ 256,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 300,000 | $ 150,000 | $ 61,500 |
| Harrisburg-Carlisle, PA | 2 | $ 1,270,000 | $ 635,000 | $ 921,000 |
| Helena, MT | 2 | $ 450,000 | $ 225,000 | $ 164,000 |
| Jackson, MI | 2 | $ 130,000 | $ 65,000 | $ 43,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 2,960,000 | $ 1,480,000 | $ 385,000 |
| Lake Charles, LA | 2 | $ 750,000 | $ 375,000 | $ 181,000 |
| Lewiston, ID-WA | 2 | $ 580,000 | $ 290,000 | $ 340,500 |
| Lexington Park, MD | 2 | $ 210,000 | $ 105,000 | $ 568,000 |
| Lexington-Fayette, KY | 2 | $ 1,640,000 | $ 820,000 | $ 381,000 |
| Longview, TX | 2 | $ 2,130,000 | $ 1,065,000 | $ 489,000 |
| Longview, WA | 2 | $ 350,000 | $ 175,000 | $ 143,000 |
| Minot, ND | 2 | $ 100,000 | $ 50,000 | $ 316,000 |
| Morgantown, WV | 2 | $ 690,000 | $ 345,000 | $ 111,000 |
| Morristown, TN | 2 | $ 350,000 | $ 175,000 | $ 86,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 1,890,000 | $ 945,000 | $ 208,000 |
| Pittsfield, MA | 2 | $ 620,000 | $ 310,000 | $ 165,000 |
| Roanoke, VA | 2 | $ 1,610,000 | $ 805,000 | $ 700,000 |
| Rochester, NY | 2 | $ 330,000 | $ 165,000 | $ 94,000 |
| Saginaw, MI | 2 | $ 130,000 | $ 65,000 | $ 65,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 810,000 | $ 405,000 | $ 229,000 |
| Sebring, FL | 2 | $ 410,000 | $ 205,000 | $ 174,000 |
| Twin Falls, ID | 2 | $ 1,830,000 | $ 915,000 | $ 530,000 |
| Victoria, TX | 2 | $ 730,000 | $ 365,000 | $ 258,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 50,000 | $ 25,000 | $ 377,000 |
| Winchester, VA-WV | 2 | $ 510,000 | $ 255,000 | $ 311,000 |
| Albany, GA | 1 | $ 425,000 | $ 425,000 | $ 369,000 |
| Alexandria, LA | 1 | $ 545,000 | $ 545,000 | $ 599,000 |
| Amarillo, TX | 1 | $ 235,000 | $ 235,000 | $ 156,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 325,000 | $ 325,000 | $ 238,000 |
| Auburn-Opelika, AL | 1 | $ 145,000 | $ 145,000 | $ 134,000 |
| Baton Rouge, LA | 1 | $ 445,000 | $ 445,000 | $ 265,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 875,000 | $ 875,000 | $ 572,000 |
| Cleveland, TN | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Dalton, GA | 1 | $ 15,000 | $ 15,000 | $ 57,000 |
| Decatur, AL | 1 | $ 95,000 | $ 95,000 | $ 109,000 |
| Dubuque, IA | 1 | $ 245,000 | $ 245,000 | $ 591,000 |
| El Centro, CA | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Erie, PA | 1 | $ 95,000 | $ 95,000 | $ 30,000 |
| Farmington, NM | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Florence-Muscle Shoals, AL | 1 | $ 45,000 | $ 45,000 | $ 135,000 |
| Gettysburg, PA | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Hinesville, GA | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Homosassa Springs, FL | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Houma-Thibodaux, LA | 1 | $ 475,000 | $ 475,000 | $ 228,000 |
| Jackson, TN | 1 | $ 125,000 | $ 125,000 | $ 588,000 |
| Jacksonville, NC | 1 | $ 895,000 | $ 895,000 | $ 904,000 |
| Jefferson City, MO | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| Killeen-Temple, TX | 1 | $ 1,145,000 | $ 1,145,000 | $ 555,000 |
| Kingston, NY | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Lima, OH | 1 | $ 155,000 | $ 155,000 | $ 125,000 |
| Lynchburg, VA | 1 | $ 105,000 | $ 105,000 | $ 131,000 |
| Mankato-North Mankato, MN | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Midland, TX | 1 | $ 525,000 | $ 525,000 | $ 334,000 |
| Monroe, LA | 1 | $ 225,000 | $ 225,000 | $ 191,000 |
| Muncie, IN | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Odessa, TX | 1 | $ 255,000 | $ 255,000 | $ 238,000 |
| Paducah, KY-IL | 1 | $ 755,000 | $ 755,000 | $ 520,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 405,000 | $ 405,000 | $ 236,000 |
| Reading, PA | 1 | $ 515,000 | $ 515,000 | $ 353,000 |
| Rome, GA | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Sherman-Denison, TX | 1 | $ 575,000 | $ 575,000 | $ 233,000 |
| Springfield, IL | 1 | $ 205,000 | $ 205,000 | $ 16,000 |
| Staunton-Waynesboro, VA | 1 | $ 85,000 | $ 85,000 | $ 114,000 |
| Syracuse, NY | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
| Waco, TX | 1 | $ 635,000 | $ 635,000 | $ 455,000 |
| Walla Walla, WA | 1 | $ 555,000 | $ 555,000 | $ 182,000 |
| Warner Robins, GA | 1 | $ 535,000 | $ 535,000 | $ 77,000 |
| Watertown-Fort Drum, NY | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
Mortgage Loan Application Detail Totals for BMO Harris Bank NA in 2024
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 Purchase | 12,408 | $11,679,360,000 | $941,000 | $22,755,000 | $355,000 | $8,850,000 |
| Home Improvement | 11,040 | $1,792,530,000 | $162,000 | $6,005,000 | $151,000 | $9,389,000 |
| Other Purpose | 10,017 | $2,162,655,000 | $215,000 | $11,005,000 | $172,000 | $7,700,000 |
| Cash-out Refinancing | 7,675 | $2,141,125,000 | $278,000 | $24,755,000 | $152,000 | $7,829,000 |
| Refinancing | 1,025 | $1,045,145,000 | $1,019,000 | $28,825,000 | $374,000 | $3,560,000 |
| 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 | 24,641 | $8,816,465,000 | $357,000 | $24,755,000 | $199,000 | $9,389,000 |
| Asian | 6,172 | $5,257,590,000 | $851,000 | $13,005,000 | $331,000 | $6,021,000 |
| Hispanic | 5,731 | $1,478,085,000 | $257,000 | $11,005,000 | $151,000 | $7,829,000 |
| Not Provided | 3,384 | $2,706,390,000 | $799,000 | $22,755,000 | $363,000 | $8,000,000 |
| Black or African American | 1,756 | $384,800,000 | $219,000 | $7,205,000 | $132,000 | $3,789,000 |
| American Indian or Alaskan Native | 252 | $58,480,000 | $232,000 | $2,245,000 | $152,000 | $3,879,000 |
| Not applicable | 171 | $106,605,000 | $623,000 | $28,825,000 | $103,000 | $476,000 |
| Native Hawaiian or Other Pacific Islander | 58 | $12,400,000 | $213,000 | $1,005,000 | $126,000 | $446,000 |
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) | 41,394 | $18,614,960,000 | $449,000 | $28,825,000 | $224,000 | $9,389,000 |
| FHA-insured (Federal Housing Administration) | 709 | $184,535,000 | $260,000 | $1,155,000 | $83,000 | $1,420,000 |
| VA-guaranteed (Veterans Administration) | 62 | $21,320,000 | $343,000 | $1,635,000 | $111,000 | $451,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 18,166 | $8,605,500,000 | $473,000 | $28,825,000 | $239,000 | $7,915,000 |
| Application Denied By Financial Institution | 12,419 | $4,169,075,000 | $335,000 | $22,755,000 | $162,000 | $8,850,000 |
| Application Withdrawn By Applicant | 5,494 | $3,187,160,000 | $580,000 | $24,755,000 | $282,000 | $8,000,000 |
| File Closed For Incompleteness | 3,314 | $869,120,000 | $262,000 | $9,405,000 | $232,000 | $9,389,000 |
| Preapproval Approved but not Accepted | 1,251 | $1,169,655,000 | $934,000 | $14,305,000 | $298,000 | $5,343,000 |
| Preapproval Denied by Financial Institution | 903 | $666,745,000 | $738,000 | $12,605,000 | $205,000 | $5,050,000 |
| Application Approved But Not Accepted | 477 | $119,605,000 | $250,000 | $10,005,000 | $184,000 | $8,807,000 |
| Loan Purchased By The Institution | 141 | $33,955,000 | $240,000 | $765,000 | $103,000 | $476,000 |
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 | 28,843 | $13,984,995,000 | $484,000 | $28,825,000 | $248,000 | $9,389,000 |
| Debt-To-Income Ratio | 6,836 | $2,455,140,000 | $359,000 | $13,005,000 | $105,000 | $2,150,000 |
| Credit History | 2,698 | $420,060,000 | $155,000 | $12,605,000 | $137,000 | $5,900,000 |
| Credit Application Incomplete | 1,283 | $1,068,085,000 | $832,000 | $22,755,000 | $363,000 | $8,850,000 |
| Collateral | 1,168 | $396,980,000 | $339,000 | $8,125,000 | $252,000 | $5,413,000 |
| Unverifiable Information | 613 | $220,715,000 | $360,000 | $4,005,000 | $283,000 | $7,987,000 |
| Other | 589 | $186,275,000 | $316,000 | $6,485,000 | $225,000 | $5,016,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 76 | $66,940,000 | $880,000 | $9,815,000 | $321,000 | $2,888,000 |
| Employment History | 57 | $21,045,000 | $369,000 | $1,795,000 | $87,000 | $904,000 |
| Mortgage Insurance Denied | 2 | $580,000 | $290,000 | $295,000 | $135,000 | $141,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BMO Harris Bank NA's 2024 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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