Lender in Wisconsin · HMDA 2025
BMO Bank, N.A. mortgages in Wisconsin
BMO Bank, N.A.'s 2025 home-purchase and refinance lending in Wisconsin, compared with all lenders in the state.
BMO Bank, N.A. originated 399 owner-occupied single-family loans in Wisconsin from 554 completed applications.
Its median conventional purchase loan costs were $3,340 versus $3,230 for all Wisconsin lenders, at a median 30-year fixed rate of 6.75% (Wisconsin: 6.625%).
Loans in WI
399
of 554 applications
Denial rate
20.4%
Purchase · WI 6.2%
Rate spread
+0.18 pts
Conv. · WI +0.12 pts
Loan amount
$235,000
Purchase · WI $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 432 | 343 | 20.4% | 6.750% | +0.18 pts | $3,340 | $235,000 |
| Refinance | 31 | 19 | 38.7% | — | — | — | — |
| Cash-out refinance | 91 | 37 | 59.3% | 7.000% | +0.66 pts | $3,060 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Wisconsin counties where BMO Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Forest County | 6 | 2 | 1.7% |
| Lincoln County | 17 | 4 | 1.1% |
| Iowa County | 18 | 5 | 1.6% |
| Waushara County | 18 | 4 | 1.2% |
| Milwaukee County | 19 | 122 | 1.2% |
| Adams County | 19 | 3 | 1.1% |
| Marinette County | 20 | 5 | 0.9% |
| Vilas County | 20 | 3 | 1.1% |
| Ashland County | 20 | 2 | 1.1% |
| Oneida County | 25 | 3 | 0.8% |
| Door County | 25 | 2 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology