Lender in California · HMDA 2025
BMO Bank, N.A. mortgages in California
BMO Bank, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
BMO Bank, N.A. originated 1,711 owner-occupied single-family loans in California from 2,254 completed applications.
Its median conventional purchase loan costs were $8,020 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
1,711
of 2,254 applications
Denial rate
18.5%
Purchase · CA 8.9%
Rate spread
−0.04 pts
Conv. · CA +0.09 pts
Loan amount
$1,195,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,475 | 1,193 | 18.5% | 6.625% | −0.04 pts | $8,020 | $1,195,000 |
| Refinance | 608 | 437 | 25.5% | 6.375% | −0.10 pts | $4,010 | $1,285,000 |
| Cash-out refinance | 171 | 81 | 52.6% | 6.750% | +0.12 pts | $4,980 | $475,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where BMO Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Santa Clara County | 9 | 333 | 2.0% |
| San Mateo County | 10 | 117 | 1.9% |
| Alameda County | 12 | 180 | 1.3% |
| Contra Costa County | 21 | 98 | 0.8% |
| Santa Cruz County | 21 | 14 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology