Lender in Illinois · HMDA 2025
BMO Bank, N.A. mortgages in Illinois
BMO Bank, N.A.'s 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
BMO Bank, N.A. originated 598 owner-occupied single-family loans in Illinois from 829 completed applications.
Its median conventional purchase loan costs were $6,390 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.75% (Illinois: 6.625%).
Loans in IL
598
of 829 applications
Denial rate
22.6%
Purchase · IL 9.2%
Rate spread
+0.20 pts
Conv. · IL +0.27 pts
Loan amount
$265,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 629 | 481 | 22.6% | 6.750% | +0.20 pts | $6,390 | $265,000 |
| Refinance | 75 | 41 | 45.3% | — | +0.02 pts | $2,990 | $285,000 |
| Cash-out refinance | 125 | 76 | 38.4% | 6.875% | +0.29 pts | $3,220 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology