Lenders › BMO Harris Bank NA › California
BMO Harris Bank NA in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, BMO Harris Bank NA reported 11,204 applications and 4,641 originations for 2024, $4.5bn in all.
Its denial rate in the state was 42.8%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 40.0%.
The median rate spread on its California originations was 0.1 percentage points (state median 0.4).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | BMO Harris Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 42.8% | 24.8% | 40.0% | 24.3% |
| Median rate spread, pp | 0.1 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.3% | 19.9% | 21.8% | 15.6% |
| Average originated loan | $977k | $566k | $474k | $329k |
| Home purchase share | 54.7% | 51.2% | 33.2% | 57.0% |
| FHA-insured share | 0.5% | 11.4% | 1.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 55% (2,538)Home improvement 16% (723)Refinancing 7% (316)Cash-out refinancing 12% (534)Other purpose 11% (530)
By type
Conventional 99% (4,615)FHA 1% (24)VA 0% (2)
Denial reasons as coded
Share of 3,535 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 2,596 | 928 | $1.0bn | 50.2% |
| Santa Clara County | 1,574 | 842 | $1.2bn | 26.2% |
| Alameda County | 1,071 | 464 | $430m | 38.6% |
| Orange County | 914 | 362 | $355m | 45.8% |
| Contra Costa County | 645 | 288 | $218m | 39.5% |
| San Mateo County | 450 | 252 | $359m | 26.5% |
| San Diego County | 362 | 161 | $175m | 40.9% |
| San Joaquin County | 409 | 134 | $42m | 53.6% |
| Sacramento County | 269 | 112 | $53m | 42.6% |
| San Francisco County | 210 | 103 | $111m | 37.2% |
| Stanislaus County | 308 | 96 | $12m | 58.1% |
| San Bernardino County | 243 | 86 | $41m | 50.8% |
| Riverside County | 240 | 85 | $63m | 46.7% |
| Marin County | 133 | 78 | $75m | 29.7% |
| Sonoma County | 173 | 75 | $31m | 40.8% |
| Fresno County | 203 | 61 | $18m | 54.3% |
| Placer County | 145 | 58 | $44m | 43.8% |
| Ventura County | 140 | 57 | $76m | 41.8% |
| Solano County | 148 | 53 | $11m | 49.5% |
| Santa Cruz County | 92 | 33 | $33m | 45.3% |
| Santa Barbara County | 92 | 29 | $20m | 58.6% |
| El Dorado County | 80 | 29 | $17m | 46.6% |
| Tulare County | 99 | 28 | $4.4m | 60.8% |
| Kern County | 86 | 28 | $5.9m | 56.1% |
| Nevada County | 66 | 27 | $10m | 37.0% |
| Napa County | 63 | 25 | $9.0m | 40.9% |
| Monterey County | 57 | 22 | $24m | 51.1% |
| Yolo County | 32 | 19 | $12m | — |
| Butte County | 43 | 18 | $3.0m | 51.4% |
| Merced County | 39 | 16 | $4.3m | 48.5% |
| San Luis Obispo County | 30 | 11 | $8.6m | — |
| Kings County | 41 | 10 | $1.1m | 68.8% |
| Lake County | 29 | 8 | $930k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did BMO Harris Bank NA originate in California in 2024?
4,641 loans totalling $4.5bn, from 11,204 applications reported for properties in California.
What is BMO Harris Bank NA's denial rate in California?
42.8% of decided applications in California were denied, against 24.8% for all lenders in the state and 40.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does BMO Harris Bank NA lend in most?
By originations: Los Angeles County (928), Santa Clara County (842), Alameda County (464), Orange County (362), Contra Costa County (288).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.