Bmo Harris Bank Mortgage Rates, Fees & Info

Chicago, IL

LEI: 3Y4U8VZURTYWI1W2K376

Tax ID: 36-2085229

2.6 stars - Updated: 6/17/24 - out of 5 stars, based on 129 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Bmo Harris Bank is a mid-sized bank specializing in Home Purchase loans. Bmo Harris Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, San Francisco, Chicago, San Jose, and Phoenix among others. We have data for 438 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bmo Harris Bank has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bmo Harris Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.73% 6/17/24
30 Year Conventional Purchase 6.11% 6/17/24
30 Year Conventional Refi 6.26% 6/17/24
30 Year Cash-out Refi 6.55% 6/17/24
30 Year FHA Purchase 7.40% 6/17/24
30 Year FHA Refi 6.61% 6/17/24
15 Year Conventional Purchase 5.99% 6/17/24
15 Year Conventional Refi 6.22% 6/17/24
15 Year Cash-out Refi 6.22% 6/17/24
15 Year FHA Refi 5.68% 6/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Bmo Harris Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Bmo Harris Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

16,620

Origination Dollar Volume (All Markets)

$6,870,430,000
Show all (49) awards

Relative Rate

Bmo Harris Bank's average 30 year fixed mortgage rate was 7.9%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 1.42%.

Relative Fees (Closing Costs)

Bmo Harris Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,216.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1,557 $1,327,415,000 $852,547 $9,679 7.22%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1,020 $804,400,000 $788,627 $7,645 7.16%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3,607 $651,775,000 $180,697 $4,855 8.64%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 576 $618,420,000 $1,073,646 $5,820 6.87%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 944 $367,860,000 $389,682 $7,690 7.94%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 959 $166,295,000 $173,405 $3,506 8.38%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 390 $165,500,000 $424,359 $4,953 7.50%
Outside of Metro Areas 540 $131,040,000 $242,667 $5,674 8.14%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 136 $112,850,000 $829,779 $9,155 7.20%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 230 $110,230,000 $479,261 $6,642 7.57%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 217 $107,485,000 $495,323 $7,813 7.39%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 111 $96,135,000 $866,081 $6,926 6.76%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 309 $79,295,000 $256,618 $4,278 8.44%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 559 $77,435,000 $138,524 $3,087 8.61%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 90 $70,390,000 $782,111 $8,150 7.49%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 68 $68,560,000 $1,008,235 $10,528 6.17%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 48 $65,490,000 $1,364,375 $9,959 6.42%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 67 $60,035,000 $896,045 $12,790 7.20%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 134 $57,190,000 $426,791 $7,011 7.30%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 48 $54,960,000 $1,145,000 $12,840 7.26%
MADISON, WI (FHA|USDA|VA) 232 $53,040,000 $228,621 $3,189 8.16%
ST. LOUIS, MO-IL (FHA|USDA|VA) 155 $50,935,000 $328,613 $4,685 8.15%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 99 $50,325,000 $508,333 $7,969 7.71%
TUCSON, AZ (FHA|USDA|VA) 120 $40,150,000 $334,583 $5,842 8.01%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 49 $39,415,000 $804,388 $9,399 6.23%
KANSAS CITY, MO-KS (FHA|USDA|VA) 200 $39,230,000 $196,150 $3,586 8.38%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 29 $35,855,000 $1,236,379 $7,674 6.37%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 61 $31,835,000 $521,885 $8,166 7.39%
STOCKTON, CA (FHA|USDA|VA) 133 $30,635,000 $230,338 $4,393 8.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 111 $30,405,000 $273,919 $7,573 8.28%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 45 $28,475,000 $632,778 $7,852 6.48%
ALBUQUERQUE, NM (FHA|USDA|VA) 80 $27,640,000 $345,500 $5,140 7.43%
GREEN BAY, WI (FHA|USDA|VA) 161 $26,125,000 $162,267 $2,854 8.45%
Glenwood Springs, CO (FHA|USDA|VA) 15 $24,805,000 $1,653,667 $8,146 6.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 123 $24,085,000 $195,813 $4,131 8.33%
Kapaa, HI (FHA|USDA|VA) 2 $21,380,000 $10,690,000 $34,437 6.56%
BOULDER, CO (FHA|USDA|VA) 28 $20,310,000 $725,357 $9,012 7.23%
RENO, NV (FHA|USDA|VA) 34 $20,270,000 $596,176 $7,162 7.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 54 $19,950,000 $369,444 $6,687 7.73%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 47 $19,415,000 $413,085 $4,199 7.94%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 25 $19,135,000 $765,400 $6,486 6.85%
FRESNO, CA (FHA|USDA|VA) 42 $18,570,000 $442,143 $4,843 7.93%
BOISE CITY, ID (FHA|USDA|VA) 61 $16,695,000 $273,689 $6,079 8.27%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 75 $16,495,000 $219,933 $5,586 7.63%
SALINAS, CA (FHA|USDA|VA) 26 $16,220,000 $623,846 $7,115 7.44%
APPLETON, WI (FHA|USDA|VA) 106 $15,900,000 $150,000 $3,125 8.37%
NAPA, CA (FHA|USDA|VA) 34 $15,830,000 $465,588 $6,731 7.94%
SALT LAKE CITY, UT (FHA|USDA|VA) 26 $15,680,000 $603,077 $5,923 7.01%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 36 $15,430,000 $428,611 $9,252 7.88%
Heber, UT (FHA|USDA|VA) 9 $14,415,000 $1,601,667 $11,847 6.53%
MODESTO, CA (FHA|USDA|VA) 82 $14,000,000 $170,732 $5,213 8.17%
FORT COLLINS, CO (FHA|USDA|VA) 35 $12,395,000 $354,143 $5,614 7.92%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 26 $11,910,000 $458,077 $8,326 7.85%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 23 $11,895,000 $517,174 $6,775 6.90%
COLORADO SPRINGS, CO (FHA|USDA|VA) 17 $11,615,000 $683,235 $5,360 7.60%
Hilo, HI (FHA|USDA|VA) 2 $11,610,000 $5,805,000 $29,586 5.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 28 $11,500,000 $410,714 $11,141 7.38%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 17 $11,465,000 $674,412 $8,470 6.30%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 15 $11,445,000 $763,000 $6,116 6.84%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 6 $11,260,000 $1,876,667 $9,859 6.06%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 20 $10,950,000 $547,500 $5,486 6.84%
Truckee-Grass Valley, CA (FHA|USDA|VA) 31 $10,945,000 $353,065 $5,253 8.07%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 50 $10,940,000 $218,800 $5,278 8.40%
PROVO-OREM, UT (FHA|USDA|VA) 13 $10,685,000 $821,923 $7,238 6.32%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $10,550,000 $1,758,333 $8,277 5.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 24 $10,180,000 $424,167 $8,251 7.96%
ROCKFORD, IL (FHA|USDA|VA) 112 $9,900,000 $88,393 $2,514 8.89%
ASHEVILLE, NC (FHA|USDA|VA) 8 $9,870,000 $1,233,750 $8,818 6.56%
RACINE, WI (FHA|USDA|VA) 93 $9,775,000 $105,108 $1,557 8.93%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 15 $9,715,000 $647,667 $6,068 7.62%
FLAGSTAFF, AZ (FHA|USDA|VA) 16 $9,540,000 $596,250 $7,339 7.32%
Whitewater, WI (FHA|USDA|VA) 50 $9,200,000 $184,000 $4,193 8.52%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 13 $8,965,000 $689,615 $8,083 6.96%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $8,865,000 $591,000 $4,579 7.27%
WAUSAU-WESTON, WI (FHA|USDA|VA) 78 $8,760,000 $112,308 $2,237 8.88%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 8 $8,740,000 $1,092,500 $7,816 6.25%
VALLEJO, CA (FHA|USDA|VA) 34 $8,710,000 $256,176 $5,109 8.15%
Plattsburgh, NY (FHA|USDA|VA) 1 $8,555,000 $8,555,000 $0 6.69%
ANCHORAGE, AK (FHA|USDA|VA) 9 $8,415,000 $935,000 $6,162 6.67%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 74 $8,130,000 $109,865 $2,722 8.80%
EAU CLAIRE, WI (FHA|USDA|VA) 50 $8,110,000 $162,200 $3,509 8.74%
OKLAHOMA CITY, OK (FHA|USDA|VA) 32 $8,060,000 $251,875 $5,450 7.94%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $7,690,000 $769,000 $6,319 6.08%
JACKSONVILLE, FL (FHA|USDA|VA) 13 $7,615,000 $585,769 $5,614 7.41%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 47 $7,435,000 $158,191 $3,382 8.40%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 19 $7,125,000 $375,000 $5,072 6.97%
BELLINGHAM, WA (FHA|USDA|VA) 8 $7,080,000 $885,000 $4,403 6.98%
BAKERSFIELD, CA (FHA|USDA|VA) 29 $7,015,000 $241,897 $5,989 7.93%
Bozeman, MT (FHA|USDA|VA) 4 $6,640,000 $1,660,000 $10,217 5.53%
Breckenridge, CO (FHA|USDA|VA) 6 $6,590,000 $1,098,333 $7,966 6.30%
GREELEY, CO (FHA|USDA|VA) 26 $6,380,000 $245,385 $3,894 8.08%
SHEBOYGAN, WI (FHA|USDA|VA) 57 $6,325,000 $110,965 $2,355 8.72%
Sandpoint, ID (FHA|USDA|VA) 4 $6,200,000 $1,550,000 $20,998 7.48%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 16 $6,180,000 $386,250 $3,307 7.05%
WICHITA, KS (FHA|USDA|VA) 43 $6,145,000 $142,907 $4,897 8.04%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $5,935,000 $659,444 $5,917 6.89%
BEND, OR (FHA|USDA|VA) 9 $5,935,000 $659,444 $8,638 7.22%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 10 $5,560,000 $556,000 $5,791 6.29%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $5,485,000 $1,097,000 $6,387 6.30%
GRAND JUNCTION, CO (FHA|USDA|VA) 32 $5,340,000 $166,875 $2,973 8.35%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $5,295,000 $756,429 $5,615 6.52%
SAVANNAH, GA (FHA|USDA|VA) 6 $5,290,000 $881,667 $8,907 6.41%
Gardnerville Ranchos, NV (FHA|USDA|VA) 6 $5,220,000 $870,000 $17,799 7.20%
Baraboo, WI (FHA|USDA|VA) 39 $5,065,000 $129,872 $4,201 8.84%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 7 $5,025,000 $717,857 $6,127 5.84%
Outside of Metro Areas 6 $4,980,000 $830,000 $10,041 6.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 6 $4,910,000 $818,333 $5,218 7.05%
Steamboat Springs, CO (FHA|USDA|VA) 8 $4,850,000 $606,250 $5,318 8.36%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $4,845,000 $1,615,000 $10,832 5.38%
FOND DU LAC, WI (FHA|USDA|VA) 43 $4,795,000 $111,512 $2,461 8.77%
Montrose, CO (FHA|USDA|VA) 16 $4,770,000 $298,125 $3,106 8.37%
VISALIA, CA (FHA|USDA|VA) 19 $4,705,000 $247,632 $6,044 8.14%
URBAN HONOLULU, HI (FHA|USDA|VA) 4 $4,660,000 $1,165,000 $9,267 6.44%
Stevens Point, WI (FHA|USDA|VA) 24 $4,550,000 $189,583 $3,682 8.22%
BILLINGS, MT (FHA|USDA|VA) 7 $4,525,000 $646,429 $7,191 6.46%
KNOXVILLE, TN (FHA|USDA|VA) 8 $4,450,000 $556,250 $4,390 6.59%
FARGO, ND-MN (FHA|USDA|VA) 15 $4,375,000 $291,667 $4,401 7.49%
Beaver Dam, WI (FHA|USDA|VA) 42 $4,290,000 $102,143 $1,561 8.87%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $4,270,000 $711,667 $6,829 6.48%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 8 $4,150,000 $518,750 $4,788 6.54%
KOKOMO, IN (FHA|USDA|VA) 39 $4,075,000 $104,487 $0 8.93%
SANTA FE, NM (FHA|USDA|VA) 6 $4,010,000 $668,333 $9,300 5.98%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $4,005,000 $4,005,000 $136,982 6.00%
DULUTH, MN-WI (FHA|USDA|VA) 22 $3,900,000 $177,273 $3,023 8.57%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 30 $3,860,000 $128,667 $4,747 8.56%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $3,570,000 $892,500 $6,823 6.56%
Show Low, AZ (FHA|USDA|VA) 7 $3,535,000 $505,000 $6,922 7.63%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $3,530,000 $441,250 $8,311 7.72%
TULSA, OK (FHA|USDA|VA) 11 $3,525,000 $320,455 $6,514 8.44%
RICHMOND, VA (FHA|USDA|VA) 6 $3,470,000 $578,333 $5,065 6.17%
MISSOULA, MT (FHA|USDA|VA) 5 $3,375,000 $675,000 $5,626 6.70%
Payson, AZ (FHA|USDA|VA) 13 $3,335,000 $256,538 $6,222 7.86%
PITTSBURGH, PA (FHA|USDA|VA) 5 $3,205,000 $641,000 $9,044 6.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $3,195,000 $639,000 $7,520 6.87%
MANSFIELD, OH (FHA|USDA|VA) 2 $3,190,000 $1,595,000 $0 8.67%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $3,175,000 $1,058,333 $7,343 6.04%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $3,155,000 $631,000 $5,650 7.01%
Newport, OR (FHA|USDA|VA) 21 $3,155,000 $150,238 $5,130 7.84%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $3,150,000 $1,575,000 $7,921 6.31%
Kalispell, MT (FHA|USDA|VA) 2 $3,090,000 $1,545,000 $7,195 6.69%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 7 $2,975,000 $425,000 $4,691 7.45%
Hailey, ID (FHA|USDA|VA) 9 $2,965,000 $329,444 $8,343 8.01%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $2,965,000 $593,000 $7,757 7.74%
Durango, CO (FHA|USDA|VA) 4 $2,940,000 $735,000 $3,731 7.36%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 6 $2,910,000 $485,000 $3,854 6.65%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 24 $2,900,000 $120,833 $3,968 8.44%
MEDFORD, OR (FHA|USDA|VA) 6 $2,890,000 $481,667 $5,209 6.86%
COLUMBIA, MO (FHA|USDA|VA) 7 $2,875,000 $410,714 $2,824 6.38%
LOUISVILLE, KY (FHA|USDA|VA) 5 $2,865,000 $573,000 $5,285 6.54%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $2,825,000 $565,000 $9,660 6.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 13 $2,795,000 $215,000 $7,116 8.29%
CEDAR RAPIDS, IA (FHA|USDA|VA) 21 $2,735,000 $130,238 $4,961 7.79%
Brainerd, MN (FHA|USDA|VA) 5 $2,725,000 $545,000 $6,929 8.62%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $2,715,000 $543,000 $5,386 6.78%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $2,710,000 $677,500 $5,246 5.78%
PEORIA, IL (FHA|USDA|VA) 11 $2,705,000 $245,909 $3,016 7.26%
Edwards, CO (FHA|USDA|VA) 3 $2,705,000 $901,667 $4,012 7.12%
ANN ARBOR, MI (FHA|USDA|VA) 6 $2,700,000 $450,000 $4,111 6.78%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 19 $2,695,000 $141,842 $3,665 8.27%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 3 $2,595,000 $865,000 $6,980 6.08%
Vineyard Haven, MA (FHA|USDA|VA) 1 $2,565,000 $2,565,000 $16,499 5.63%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $2,560,000 $640,000 $5,569 7.42%
ST. GEORGE, UT (FHA|USDA|VA) 4 $2,480,000 $620,000 $4,279 7.35%
Fergus Falls, MN (FHA|USDA|VA) 16 $2,470,000 $154,375 $3,478 8.66%
LAS CRUCES, NM (FHA|USDA|VA) 16 $2,450,000 $153,125 $4,388 8.67%
BATON ROUGE, LA (FHA|USDA|VA) 4 $2,430,000 $607,500 $5,258 6.16%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $2,335,000 $778,333 $9,548 5.71%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $2,280,000 $380,000 $6,976 7.90%
Oak Harbor, WA (FHA|USDA|VA) 3 $2,265,000 $755,000 $7,814 6.08%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $2,255,000 $751,667 $8,441 6.38%
SALEM, OR (FHA|USDA|VA) 6 $2,250,000 $375,000 $7,310 7.53%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $2,220,000 $555,000 $7,234 7.92%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $2,180,000 $1,090,000 $7,531 6.50%
SPRINGFIELD, MO (FHA|USDA|VA) 4 $2,180,000 $545,000 $4,419 6.74%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $2,125,000 $708,333 $5,644 6.13%
ROCHESTER, MN (FHA|USDA|VA) 7 $2,065,000 $295,000 $4,737 7.47%
Shawano, WI (FHA|USDA|VA) 16 $2,060,000 $128,750 $5,232 8.67%
Ukiah, CA (FHA|USDA|VA) 6 $2,040,000 $340,000 $7,459 7.25%
SIOUX FALLS, SD (FHA|USDA|VA) 5 $2,035,000 $407,000 $3,489 7.37%
Manitowoc, WI (FHA|USDA|VA) 18 $1,990,000 $110,556 $3,279 8.40%
CHICO, CA (FHA|USDA|VA) 10 $1,990,000 $199,000 $5,610 7.64%
EL PASO, TX (FHA|USDA|VA) 3 $1,945,000 $648,333 $7,365 6.46%
REDDING, CA (FHA|USDA|VA) 4 $1,890,000 $472,500 $5,272 6.31%
ST. CLOUD, MN (FHA|USDA|VA) 6 $1,880,000 $313,333 $5,195 7.89%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $1,850,000 $925,000 $12,845 6.69%
LOGAN, UT-ID (FHA|USDA|VA) 2 $1,790,000 $895,000 $5,347 6.44%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $1,785,000 $357,000 $3,222 6.51%
MERCED, CA (FHA|USDA|VA) 8 $1,750,000 $218,750 $5,653 8.76%
NILES, MI (FHA|USDA|VA) 6 $1,740,000 $290,000 $1,567 8.63%
CORVALLIS, OR (FHA|USDA|VA) 3 $1,705,000 $568,333 $7,087 6.00%
Marinette, WI-MI (FHA|USDA|VA) 20 $1,700,000 $85,000 $3,751 9.08%
Ellensburg, WA (FHA|USDA|VA) 5 $1,675,000 $335,000 $5,168 7.95%
Jackson, WY-ID (FHA|USDA|VA) 3 $1,645,000 $548,333 $14,111 6.48%
FORT WAYNE, IN (FHA|USDA|VA) 6 $1,570,000 $261,667 $4,718 7.36%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $1,520,000 $760,000 $9,629 6.19%
AMES, IA (FHA|USDA|VA) 11 $1,485,000 $135,000 $3,941 7.45%
Astoria, OR (FHA|USDA|VA) 4 $1,480,000 $370,000 $8,163 7.64%
Sonora, CA (FHA|USDA|VA) 6 $1,480,000 $246,667 $5,150 6.46%
COLUMBUS, OH (FHA|USDA|VA) 5 $1,475,000 $295,000 $4,316 6.30%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,470,000 $367,500 $7,451 7.54%
Cullman, AL (FHA|USDA|VA) 1 $1,445,000 $1,445,000 $35,669 5.63%
TWIN FALLS, ID (FHA|USDA|VA) 4 $1,440,000 $360,000 $5,841 7.87%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $1,435,000 $478,333 $8,211 6.21%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $1,425,000 $1,425,000 $10,820 6.25%
CASPER, WY (FHA|USDA|VA) 5 $1,425,000 $285,000 $5,272 6.68%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $1,365,000 $455,000 $6,267 6.58%
WENATCHEE, WA (FHA|USDA|VA) 2 $1,360,000 $680,000 $7,632 7.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $1,355,000 $451,667 $3,882 6.80%
Clearlake, CA (FHA|USDA|VA) 7 $1,345,000 $192,143 $4,990 7.62%
CHEYENNE, WY (FHA|USDA|VA) 8 $1,340,000 $167,500 $4,724 7.74%
LAFAYETTE, LA (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $8,903 6.63%
IOWA CITY, IA (FHA|USDA|VA) 6 $1,310,000 $218,333 $4,495 8.72%
MADERA, CA (FHA|USDA|VA) 4 $1,290,000 $322,500 $12,226 7.21%
RAPID CITY, SD (FHA|USDA|VA) 3 $1,255,000 $418,333 $2,532 7.10%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $1,255,000 $418,333 $8,928 5.92%
Roswell, NM (FHA|USDA|VA) 1 $1,255,000 $1,255,000 $0 6.48%
KANKAKEE, IL (FHA|USDA|VA) 7 $1,255,000 $179,286 $2,716 7.50%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $1,235,000 $1,235,000 $5,143 5.88%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 5 $1,225,000 $245,000 $2,484 8.51%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,225,000 $245,000 $5,915 8.12%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $1,210,000 $605,000 $4,388 7.13%
COLUMBIA, SC (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $8,354 6.13%
Elk City, OK (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 6.76%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $1,200,000 $600,000 $3,158 6.06%
Sterling, CO (FHA|USDA|VA) 11 $1,195,000 $108,636 $6,337 8.18%
Española, NM (FHA|USDA|VA) 1 $1,185,000 $1,185,000 $2,972 5.63%
Cullowhee, NC (FHA|USDA|VA) 1 $1,155,000 $1,155,000 $9,431 5.75%
GRANTS PASS, OR (FHA|USDA|VA) 2 $1,150,000 $575,000 $4,536 6.75%
Port Angeles, WA (FHA|USDA|VA) 2 $1,150,000 $575,000 $4,422 6.50%
TOPEKA, KS (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,000 7.26%
Ottawa, KS (FHA|USDA|VA) 11 $1,125,000 $102,273 $3,344 8.09%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 5 $1,125,000 $225,000 $3,230 7.95%
WACO, TX (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $12,441 5.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $1,090,000 $272,500 $0 8.39%
TERRE HAUTE, IN (FHA|USDA|VA) 8 $1,090,000 $136,250 $3,794 8.44%
YUBA CITY, CA (FHA|USDA|VA) 7 $1,085,000 $155,000 $4,910 8.51%
Helena, MT (FHA|USDA|VA) 2 $1,080,000 $540,000 $4,692 6.13%
Spirit Lake, IA (FHA|USDA|VA) 2 $1,080,000 $540,000 $5,473 7.95%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 7 $1,075,000 $153,571 $2,095 8.07%
YUMA, AZ (FHA|USDA|VA) 4 $1,070,000 $267,500 $6,532 8.52%
GREAT FALLS, MT (FHA|USDA|VA) 2 $1,070,000 $535,000 $5,023 6.00%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $1,065,000 $1,065,000 $6,697 7.75%
Alexander City, AL (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $7,009 6.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $1,015,000 $338,333 $3,726 7.08%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,015,000 $338,333 $2,419 9.06%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $11,629 5.63%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $5,200 4.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $995,000 $995,000 $6,365 5.88%
LINCOLN, NE (FHA|USDA|VA) 14 $990,000 $70,714 $1,159 9.61%
Morehead City, NC (FHA|USDA|VA) 1 $985,000 $985,000 $5,221 6.88%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 7 $975,000 $139,286 $3,103 8.29%
Burley, ID (FHA|USDA|VA) 1 $975,000 $975,000 $11,074 6.75%
BANGOR, ME (FHA|USDA|VA) 2 $960,000 $480,000 $4,399 7.12%
Vernal, UT (FHA|USDA|VA) 2 $950,000 $475,000 $3,725 6.38%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $935,000 $935,000 $9,256 5.63%
BISMARCK, ND (FHA|USDA|VA) 2 $920,000 $460,000 $4,069 6.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $900,000 $450,000 $5,679 7.45%
Coos Bay, OR (FHA|USDA|VA) 1 $885,000 $885,000 $5,885 6.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $880,000 $440,000 $4,008 6.19%
Holland, MI (FHA|USDA|VA) 1 $865,000 $865,000 $4,885 6.38%
Marshall, MN (FHA|USDA|VA) 6 $850,000 $141,667 $2,769 9.04%
Seneca, SC (FHA|USDA|VA) 1 $845,000 $845,000 $11,643 6.88%
Cañon City, CO (FHA|USDA|VA) 3 $835,000 $278,333 $7,026 8.79%
COLUMBUS, IN (FHA|USDA|VA) 5 $815,000 $163,000 $3,852 7.98%
Dodge City, KS (FHA|USDA|VA) 6 $800,000 $133,333 $4,393 8.11%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $795,000 $795,000 $4,806 6.38%
Gainesville, TX (FHA|USDA|VA) 1 $795,000 $795,000 $17,301 5.88%
Searcy, AR (FHA|USDA|VA) 2 $780,000 $390,000 $3,035 6.63%
YAKIMA, WA (FHA|USDA|VA) 3 $775,000 $258,333 $6,602 9.21%
Menomonie, WI (FHA|USDA|VA) 6 $770,000 $128,333 $0 9.21%
Newberry, SC (FHA|USDA|VA) 1 $755,000 $755,000 $8,393 7.25%
Burlington, IA-IL (FHA|USDA|VA) 2 $740,000 $370,000 $4,215 5.88%
TYLER, TX (FHA|USDA|VA) 2 $730,000 $365,000 $5,540 6.38%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $725,000 $725,000 $4,380 5.00%
Traverse City, MI (FHA|USDA|VA) 1 $725,000 $725,000 $9,105 6.63%
MORGANTOWN, WV (FHA|USDA|VA) 2 $710,000 $355,000 $5,246 5.88%
DOTHAN, AL (FHA|USDA|VA) 2 $700,000 $350,000 $5,175 5.56%
Ottawa, IL (FHA|USDA|VA) 4 $700,000 $175,000 $7,125 8.40%
SPARTANBURG, SC (FHA|USDA|VA) 1 $695,000 $695,000 $7,840 7.00%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $690,000 $345,000 $6,889 7.35%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $690,000 $345,000 $4,358 7.53%
Newport, TN (FHA|USDA|VA) 2 $680,000 $340,000 $4,022 6.25%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 6 $670,000 $111,667 $0 8.92%
MONROE, LA (FHA|USDA|VA) 2 $670,000 $335,000 $8,362 5.88%
Laconia, NH (FHA|USDA|VA) 1 $655,000 $655,000 $4,126 7.00%
Evanston, WY (FHA|USDA|VA) 5 $645,000 $129,000 $3,845 8.38%
Pittsburg, KS (FHA|USDA|VA) 8 $640,000 $80,000 $3,295 8.88%
Rock Springs, WY (FHA|USDA|VA) 6 $620,000 $103,333 $4,000 8.25%
LONGVIEW, WA (FHA|USDA|VA) 1 $615,000 $615,000 $4,192 6.63%
HARRISONBURG, VA (FHA|USDA|VA) 1 $615,000 $615,000 $4,417 6.63%
LAWTON, OK (FHA|USDA|VA) 1 $605,000 $605,000 $0 7.56%
ROANOKE, VA (FHA|USDA|VA) 1 $605,000 $605,000 $5,134 5.50%
Fredericksburg, TX (FHA|USDA|VA) 1 $605,000 $605,000 $8,987 5.50%
ENID, OK (FHA|USDA|VA) 5 $605,000 $121,000 $4,695 9.10%
FARMINGTON, NM (FHA|USDA|VA) 1 $595,000 $595,000 $5,207 5.88%
Sheridan, WY (FHA|USDA|VA) 3 $585,000 $195,000 $5,273 7.07%
DUBUQUE, IA (FHA|USDA|VA) 1 $585,000 $585,000 $3,943 7.13%
MIDLAND, MI (FHA|USDA|VA) 1 $585,000 $585,000 $3,894 6.88%
Mason City, IA (FHA|USDA|VA) 1 $585,000 $585,000 $4,273 5.88%
La Grande, OR (FHA|USDA|VA) 1 $585,000 $585,000 $6,163 6.25%
Pullman, WA (FHA|USDA|VA) 1 $585,000 $585,000 $4,291 5.63%
Platteville, WI (FHA|USDA|VA) 6 $580,000 $96,667 $1,682 8.43%
Chillicothe, OH (FHA|USDA|VA) 2 $580,000 $290,000 $3,561 6.77%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $575,000 $575,000 $6,285 6.50%
Quincy, IL-MO (FHA|USDA|VA) 3 $565,000 $188,333 $3,208 8.31%
MANKATO, MN (FHA|USDA|VA) 2 $560,000 $280,000 $3,411 6.44%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $555,000 $555,000 $6,184 6.63%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $550,000 $275,000 $4,157 7.01%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $545,000 $181,667 $2,900 7.64%
Freeport, IL (FHA|USDA|VA) 4 $540,000 $135,000 $3,649 8.31%
AKRON, OH (FHA|USDA|VA) 3 $535,000 $178,333 $1,965 8.44%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $530,000 $265,000 $7,575 5.75%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $515,000 $515,000 $5,818 6.25%
Cookeville, TN (FHA|USDA|VA) 1 $515,000 $515,000 $4,293 5.75%
Sevierville, TN (FHA|USDA|VA) 1 $515,000 $515,000 $13,056 6.50%
Hood River, OR (FHA|USDA|VA) 1 $505,000 $505,000 $13,569 5.50%
Winfield, KS (FHA|USDA|VA) 5 $505,000 $101,000 $4,565 7.82%
Key West, FL (FHA|USDA|VA) 1 $505,000 $505,000 $0 10.19%
The Dalles, OR (FHA|USDA|VA) 4 $500,000 $125,000 $3,186 8.93%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $495,000 $495,000 $4,327 6.00%
Alamogordo, NM (FHA|USDA|VA) 2 $490,000 $245,000 $4,219 7.94%
Fort Morgan, CO (FHA|USDA|VA) 3 $485,000 $161,667 $5,465 6.79%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $480,000 $240,000 $4,788 8.26%
Klamath Falls, OR (FHA|USDA|VA) 2 $480,000 $240,000 $5,331 7.51%
JACKSON, MI (FHA|USDA|VA) 1 $475,000 $475,000 $4,008 7.00%
Lufkin, TX (FHA|USDA|VA) 1 $475,000 $475,000 $7,367 7.38%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $475,000 $475,000 $4,102 6.50%
GAINESVILLE, FL (FHA|USDA|VA) 3 $455,000 $151,667 $5,850 8.06%
Kearney, NE (FHA|USDA|VA) 7 $455,000 $65,000 $3,599 8.55%
FAIRBANKS, AK (FHA|USDA|VA) 1 $455,000 $455,000 $4,212 6.63%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $455,000 $455,000 $6,576 5.88%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $450,000 $225,000 $4,745 8.38%
Fremont, NE (FHA|USDA|VA) 4 $450,000 $112,500 $3,472 8.00%
CARSON CITY, NV (FHA|USDA|VA) 3 $445,000 $148,333 $3,626 8.19%
Bluefield, WV-VA (FHA|USDA|VA) 1 $445,000 $445,000 $4,262 6.25%
GRAND ISLAND, NE (FHA|USDA|VA) 7 $445,000 $63,571 $0 9.12%
Riverton, WY (FHA|USDA|VA) 5 $435,000 $87,000 $0 8.74%
MONTGOMERY, AL (FHA|USDA|VA) 1 $435,000 $435,000 $4,967 6.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $435,000 $435,000 $5,434 6.50%
Carroll, IA (FHA|USDA|VA) 4 $430,000 $107,500 $4,331 6.97%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $425,000 $425,000 $3,897 6.50%
Beatrice, NE (FHA|USDA|VA) 4 $410,000 $102,500 $4,379 7.98%
Dixon, IL (FHA|USDA|VA) 3 $405,000 $135,000 $0 9.34%
Nogales, AZ (FHA|USDA|VA) 4 $400,000 $100,000 $0 9.45%
LUBBOCK, TX (FHA|USDA|VA) 2 $400,000 $200,000 $4,464 6.19%
Plymouth, IN (FHA|USDA|VA) 2 $400,000 $200,000 $3,372 7.62%
Tupelo, MS (FHA|USDA|VA) 2 $400,000 $200,000 $4,239 7.13%
Craig, CO (FHA|USDA|VA) 3 $395,000 $131,667 $3,051 7.40%
READING, PA (FHA|USDA|VA) 1 $385,000 $385,000 $5,872 5.88%
Clewiston, FL (FHA|USDA|VA) 1 $385,000 $385,000 $5,980 6.00%
Muskogee, OK (FHA|USDA|VA) 1 $385,000 $385,000 $3,546 6.38%
Marquette, MI (FHA|USDA|VA) 2 $380,000 $190,000 $0 8.09%
Warsaw, IN (FHA|USDA|VA) 1 $355,000 $355,000 $0 9.74%
Butte-Silver Bow, MT (FHA|USDA|VA) 1 $355,000 $355,000 $2,463 6.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $355,000 $355,000 $4,849 5.63%
Athens, TN (FHA|USDA|VA) 2 $340,000 $170,000 $0 8.27%
Fernley, NV (FHA|USDA|VA) 1 $335,000 $335,000 $3,715 7.13%
Winona, MN (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.69%
Norfolk, NE (FHA|USDA|VA) 5 $335,000 $67,000 $3,775 7.85%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $330,000 $165,000 $0 8.72%
Ardmore, OK (FHA|USDA|VA) 2 $330,000 $165,000 $3,904 8.27%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $315,000 $315,000 $6,515 6.25%
Gillette, WY (FHA|USDA|VA) 1 $315,000 $315,000 $4,043 7.63%
Willmar, MN (FHA|USDA|VA) 2 $310,000 $155,000 $0 8.57%
Watertown, SD (FHA|USDA|VA) 1 $305,000 $305,000 $0 8.99%
Red Bluff, CA (FHA|USDA|VA) 1 $295,000 $295,000 $6,068 5.75%
Calhoun, GA (FHA|USDA|VA) 1 $295,000 $295,000 $4,902 6.25%
Huntington, IN (FHA|USDA|VA) 1 $295,000 $295,000 $2,807 7.00%
MIDLAND, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,000 6.38%
PITTSFIELD, MA (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.24%
LAWRENCE, KS (FHA|USDA|VA) 3 $285,000 $95,000 $0 9.31%
PANAMA CITY, FL (FHA|USDA|VA) 2 $280,000 $140,000 $0 9.94%
Vermillion, SD (FHA|USDA|VA) 4 $270,000 $67,500 $3,797 9.16%
Rochelle, IL (FHA|USDA|VA) 2 $270,000 $135,000 $3,297 7.47%
THE VILLAGES, FL (FHA|USDA|VA) 2 $270,000 $135,000 $0 8.57%
Pottsville, PA (FHA|USDA|VA) 1 $265,000 $265,000 $6,358 5.25%
Marion, IN (FHA|USDA|VA) 3 $255,000 $85,000 $1,872 7.95%
DECATUR, IL (FHA|USDA|VA) 2 $250,000 $125,000 $3,131 7.35%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.49%
Granbury, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,606 7.38%
North Platte, NE (FHA|USDA|VA) 6 $230,000 $38,333 $0 10.21%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $220,000 $110,000 $0 9.41%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $215,000 $215,000 $4,677 7.75%
Shelton, WA (FHA|USDA|VA) 1 $215,000 $215,000 $3,225 7.25%
Rolla, MO (FHA|USDA|VA) 3 $215,000 $71,667 $3,738 8.72%
Ontario, OR-ID (FHA|USDA|VA) 3 $205,000 $68,333 $0 9.20%
Boone, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.94%
Ruidoso, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,547 5.63%
Hutchinson, KS (FHA|USDA|VA) 4 $200,000 $50,000 $0 9.61%
Albemarle, NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,403 6.50%
Dickinson, ND (FHA|USDA|VA) 2 $190,000 $95,000 $3,500 7.68%
Poplar Bluff, MO (FHA|USDA|VA) 1 $185,000 $185,000 $2,656 6.13%
TOLEDO, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,650 6.00%
Shawnee, OK (FHA|USDA|VA) 2 $180,000 $90,000 $0 8.37%
Wahpeton, ND-MN (FHA|USDA|VA) 3 $175,000 $58,333 $5,351 7.59%
Yankton, SD (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.29%
Centralia, WA (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.74%
Atmore, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,484 6.88%
Richmond, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,192 7.50%
Laurinburg, NC (FHA|USDA|VA) 1 $135,000 $135,000 $3,596 6.75%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $130,000 $65,000 $0 10.64%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.49%
GAINESVILLE, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.99%
Columbus, NE (FHA|USDA|VA) 2 $110,000 $55,000 $0 8.89%
Garden City, KS (FHA|USDA|VA) 2 $110,000 $55,000 $0 8.46%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,090 7.50%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.74%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.94%
Indiana, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.74%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $100,000 $50,000 $0 9.93%
Ada, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,013 8.38%
Ottumwa, IA (FHA|USDA|VA) 1 $95,000 $95,000 $4,743 7.13%
Hastings, NE (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.79%
Sikeston, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.29%
JOPLIN, MO (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.35%
New Castle, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.94%
Huron, SD (FHA|USDA|VA) 2 $80,000 $40,000 $0 7.34%
Crawfordsville, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.54%
Sterling, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,167 7.00%
Crossville, TN (FHA|USDA|VA) 1 $75,000 $75,000 $3,417 6.50%
Stillwater, OK (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.39%
EL CENTRO, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.72%
Alexandria, MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.84%
Georgetown, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 9.14%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.79%
Ponca City, OK (FHA|USDA|VA) 1 $55,000 $55,000 $0 10.64%
Warrensburg, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.97%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.44%
Kirksville, MO (FHA|USDA|VA) 1 $45,000 $45,000 $3,008 6.63%
Logansport, IN (FHA|USDA|VA) 1 $45,000 $45,000 $3,429 7.25%
Morgan City, LA (FHA|USDA|VA) 1 $45,000 $45,000 $0 10.48%
MUNCIE, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.63%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 11.18%
Clinton, IA (FHA|USDA|VA) 1 $35,000 $35,000 $3,553 7.63%
Jefferson, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 10.74%
Owatonna, MN (FHA|USDA|VA) 1 $25,000 $25,000 $0 12.38%
JACKSON, MS (FHA|USDA|VA) 1 $15,000 $15,000 $0 8.24%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $5,000 $5,000 $0 10.04%
Bmo Harris Bank's top markets include Los Angeles, San Francisco, Chicago, San Jose, and Phoenix among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 9,935 $1,618,495,000 $162,908 n/a 8.89%
    Conventional 6,508 $5,209,590,000 $800,490 $6,455 6.54%
    FHA 171 $40,235,000 $235,292 $9,751 6.57%
    VA 6 $2,110,000 $351,667 $13,409 6.50%

    For 2023, Bmo Harris Bank's most frequently originated type of loan was HELOC, with 9,935 originations. Their 2nd most popular type was Conventional, with 6,508 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,733 $4,786,495,000 $834,902 $7,398 6.50%
    Home Improvement 3,890 $491,710,000 $126,404 $619 9.03%
    Other 3,843 $703,565,000 $183,077 $2,744 8.86%
    Cash Out Refi 2,355 $541,235,000 $229,824 $4,821 8.26%
    Refi 799 $347,425,000 $434,825 $4,527 7.70%

    For 2023, Bmo Harris Bank's most frequently cited loan purpose was Home Purchase, with 5,733 originations. The 2nd most popular reason was Home Improvement, with 3,890 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 15,480 $6,634,770,000 $428,603 $7,216 7.90%
    20 Year 350 $43,720,000 $124,914 $867 9.01%
    15 Year 325 $94,085,000 $289,492 $3,913 6.87%
    Other 268 $22,020,000 $82,164 $6,398 9.79%
    10 Year 113 $27,385,000 $242,345 $510 8.70%
    5 Year 74 $21,130,000 $285,541 $0 8.26%
    3 Year 10 $27,320,000 $2,732,000 $0 7.17%

    For 2023, Bmo Harris Bank's most frequently cited loan duration was 30 Year, with 15,480 originations. The 2nd most popular length was 20 Year, with 350 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,963 $2,360,725,000 $796,735
    $<1k 1,558 $1,138,670,000 $730,854
    $2k-3k 678 $427,170,000 $630,044
    $5k+ 561 $609,065,000 $1,085,677
    $3k-4k 365 $282,945,000 $775,192
    $4k-5k 223 $190,495,000 $854,238

    Bmo Harris Bank's average total fees were $7,216, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,963 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 8,017 $1,097,215,000 $136,861
    7-8% 3,184 $988,540,000 $310,471
    6-7% 2,953 $2,219,115,000 $751,478
    5-6% 2,331 $2,334,735,000 $1,001,602
    4-5% 133 $226,425,000 $1,702,444
    3-4% 2 $4,400,000 $2,200,000

    During 2023, Bmo Harris Bank's average interest rate for loans was 7.90%, while their most frequently originated rate bucket for loans was Over 8%, with 8,017 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 4,772 $267,720,000 $56,102 $1,298 9.36%
    $100k-200k 3,963 $527,685,000 $133,153 $3,921 8.30%
    $200k-400k 2,927 $803,295,000 $274,443 $5,385 7.66%
    $1MM+ 2,034 $3,364,370,000 $1,654,066 $9,689 6.13%
    $600k-1MM 1,613 $1,264,055,000 $783,667 $7,017 6.43%
    $400k-600k 1,311 $643,305,000 $490,698 $6,371 7.07%

    2023 saw Bmo Harris Bank place emphasis on $100,000 or less loans with 4,772 originations, totaling $267,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 4,481 $4,274,625,000 $953,944 $8,364 6.96%
    $150k-250k 3,314 $1,183,110,000 $357,004 $6,120 7.95%
    $100k-150k 2,813 $513,645,000 $182,597 $4,602 8.49%
    $50k-75k 2,156 $257,020,000 $119,212 $4,092 8.39%
    $75k-100k 1,919 $256,545,000 $133,687 $4,512 8.59%
    $50k or less 1,439 $197,075,000 $136,953 $4,213 8.40%

    Bmo Harris Bank lent most frequently to those with incomes in the $250k+ range, with 4,481 originations. The second most popular income band? $150k-250k, with 3,314 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,466 $882,120,000 $357,713 $5,800 7.97%
    20-30% 2,348 $893,450,000 $380,515 $6,067 7.76%
    50-60% 1,285 $1,121,015,000 $872,385 $8,566 7.22%
    49% 1,187 $301,955,000 $254,385 $6,610 8.18%
    45% 856 $204,330,000 $238,703 $4,452 8.86%
    42% 814 $298,180,000 $366,314 $6,973 8.23%
    44% 813 $296,105,000 $364,213 $5,736 8.24%
    <20% 763 $324,255,000 $424,974 $6,230 7.53%
    43% 741 $283,855,000 $383,070 $6,574 8.11%
    48% 683 $234,765,000 $343,726 $6,820 7.98%
    41% 673 $280,615,000 $416,961 $6,829 7.95%
    40% 646 $249,460,000 $386,161 $6,306 7.97%
    39% 586 $207,050,000 $353,328 $6,304 8.08%
    38% 567 $207,025,000 $365,123 $6,220 8.07%
    37% 509 $202,395,000 $397,633 $6,745 8.10%
    36% 506 $184,950,000 $365,514 $5,879 7.98%
    47% 446 $176,470,000 $395,673 $6,917 7.96%
    46% 430 $171,080,000 $397,860 $6,800 7.92%
    >60% 212 $233,960,000 $1,103,585 $10,994 6.73%

    Bmo Harris Bank lent most frequently to those with DTI ratios of 30-36%, with 2,466 originations. The next most common DTI ratio? 20-30%, with 2,348 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 11,870 $3,733,240,000 $314,511 $6,070 8.17%
    Not provided 1,992 $1,354,740,000 $680,090 $7,708 7.28%
    Asian 1,714 $1,215,940,000 $709,417 $6,629 7.28%
    Asian Indian 203 $182,115,000 $897,118 $7,588 6.81%
    Black 448 $113,300,000 $252,902 $6,894 8.35%
    Not applicable 69 $80,545,000 $1,167,319 $0 7.15%
    Chinese 63 $75,565,000 $1,199,444 $7,363 6.63%
    American Indian 127 $34,625,000 $272,638 $7,270 8.51%
    Other Asian 47 $32,965,000 $701,383 $7,096 6.61%
    Korean 23 $17,475,000 $759,783 $7,610 6.92%
    Vietnamese 16 $12,440,000 $777,500 $6,816 7.27%
    Filipino 20 $11,090,000 $554,500 $7,420 7.52%
    Native Hawaiian or Islander 23 $4,735,000 $205,870 $9,551 8.40%
    Other Pacific Islander 4 $1,610,000 $402,500 $7,558 7.10%
    Japanese 1 $45,000 $45,000 $0 10.33%

    Approval Rates

    Total approvals of all applications
    69.49%

    Bmo Harris Bank has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    69.90%

    Bmo Harris Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 16,620 $6,870,430,000 $413,383

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    16,620 $6,870,430,000 $413,383

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 4,004 $746,240,000 $186,374 $3,600 8.59%
    40-60% 1,963 $865,315,000 $440,813 $6,710 7.66%
    60-80% 2,856 $2,347,290,000 $821,880 $7,786 6.82%
    80-100% 3,118 $2,446,920,000 $784,772 $7,144 6.45%
    Under 20% 4,679 $464,665,000 $99,309 $753 9.19%