Lenders › BMO Harris Bank NA › Wisconsin
BMO Harris Bank NA in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin 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 Wisconsin, BMO Harris Bank NA reported 5,577 applications and 3,095 originations for 2024, $528m in all.
Its denial rate in the state was 30.9%, above the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 40.0%.
The median rate spread on its Wisconsin originations was 0.7 percentage points (state median 0.2).
Applications in the state were up 18% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | BMO Harris Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 30.9% | 17.1% | 40.0% | 24.3% |
| Median rate spread, pp | 0.7 | 0.2 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.3% | 11.0% | 21.8% | 15.6% |
| Average originated loan | $170k | $223k | $474k | $329k |
| Home purchase share | 14.3% | 46.3% | 33.2% | 57.0% |
| FHA-insured share | 0.7% | 5.6% | 1.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.3% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 14% (444)Home improvement 22% (692)Refinancing 1% (21)Cash-out refinancing 42% (1,305)Other purpose 20% (633)
By type
Conventional 99% (3,071)FHA 1% (23)VA 0% (1)
Denial reasons as coded
Share of 1,430 denials in Wisconsin by first denial reason coded (outlined bar: all lenders in the state).
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 1,000 | 486 | $76m | 37.8% |
| Waukesha County | 575 | 341 | $74m | 23.9% |
| Dane County | 423 | 257 | $59m | 26.0% |
| Washington County | 229 | 145 | $23m | 19.8% |
| Ozaukee County | 214 | 144 | $29m | 17.2% |
| Brown County | 224 | 134 | $23m | 24.3% |
| Outagamie County | 180 | 120 | $20m | 23.3% |
| Rock County | 200 | 113 | $14m | 32.9% |
| Racine County | 227 | 108 | $15m | 40.4% |
| Kenosha County | 194 | 106 | $15m | 32.9% |
| Winnebago County | 144 | 92 | $16m | 20.7% |
| Walworth County | 139 | 82 | $23m | 28.6% |
| Sheboygan County | 127 | 66 | $12m | 34.7% |
| Marathon County | 110 | 64 | $8.2m | 29.8% |
| Oneida County | 109 | 64 | $8.5m | 21.4% |
| Fond du Lac County | 93 | 57 | $7.6m | 22.7% |
| Dodge County | 100 | 54 | $7.2m | 31.3% |
| Sauk County | 90 | 45 | $5.5m | 35.7% |
| Vilas County | 64 | 44 | $8.5m | 22.0% |
| Jefferson County | 62 | 40 | $6.4m | 24.1% |
| Portage County | 55 | 31 | $4.6m | 22.7% |
| Calumet County | 46 | 31 | $3.8m | 24.4% |
| Columbia County | 49 | 29 | $4.8m | 31.1% |
| Marinette County | 48 | 27 | $2.7m | 35.7% |
| Wood County | 40 | 27 | $4.3m | 25.0% |
| Adams County | 60 | 26 | $3.3m | 40.8% |
| Manitowoc County | 57 | 24 | $3.7m | 40.5% |
| Shawano County | 45 | 24 | $2.4m | 39.0% |
| Waushara County | 46 | 23 | $2.5m | 36.8% |
| Waupaca County | 29 | 19 | $2.6m | 26.9% |
| La Crosse County | 42 | 18 | $3.7m | 40.0% |
| Marquette County | 42 | 18 | $2.1m | 47.1% |
| Chippewa County | 27 | 17 | $1.9m | 28.0% |
| Douglas County | 45 | 16 | $1.4m | 55.6% |
| Oconto County | 31 | 16 | $2.5m | 36.0% |
| Eau Claire County | 38 | 15 | $2.9m | 52.9% |
| Lincoln County | 33 | 14 | $1.4m | 48.1% |
| Juneau County | 32 | 12 | $1.5m | 55.6% |
| Bayfield County | 25 | 9 | $1.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did BMO Harris Bank NA originate in Wisconsin in 2024?
3,095 loans totalling $528m, from 5,577 applications reported for properties in Wisconsin.
What is BMO Harris Bank NA's denial rate in Wisconsin?
30.9% of decided applications in Wisconsin were denied, against 17.1% 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 Wisconsin counties does BMO Harris Bank NA lend in most?
By originations: Milwaukee County (486), Waukesha County (341), Dane County (257), Washington County (145), Ozaukee County (144).
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 Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.