Lender in Colorado · HMDA 2025
BMO Bank, N.A. mortgages in Colorado
BMO Bank, N.A.'s 2025 home-purchase and refinance lending in Colorado, compared with all lenders in the state.
BMO Bank, N.A. originated 254 owner-occupied single-family loans in Colorado from 323 completed applications.
Its median conventional purchase loan costs were $4,330 versus $4,630 for all Colorado lenders, at a median 30-year fixed rate of 6.625% (Colorado: 6.50%).
Loans in CO
254
of 323 applications
Denial rate
17.6%
Purchase · CO 6.3%
Rate spread
+0.01 pts
Conv. · CO +0.04 pts
Loan amount
$595,000
Purchase · CO $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 255 | 210 | 17.6% | 6.625% | +0.01 pts | $4,330 | $595,000 |
| Refinance | 25 | 15 | 40.0% | — | — | — | — |
| Cash-out refinance | 43 | 29 | 32.6% | — | +0.25 pts | $3,840 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Colorado counties where BMO Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kit Carson County | 4 | 4 | 6.5% |
| Phillips County | 5 | 3 | 6.0% |
| Logan County | 7 | 9 | 4.0% |
| Gunnison County | 15 | 2 | 0.9% |
| Summit County | 18 | 5 | 1.0% |
| Montrose County | 20 | 5 | 0.9% |
| Grand County | 23 | 3 | 1.0% |
| Custer County | 24 | 1 | 1.1% |
| Moffat County | 25 | 1 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology