BMO Bank National Association
16,529 mortgages originated in 2025 across 19 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 16,529
- Median rate
- 8.230%
- Median lender fees
- $5,618
- Median loan amount
- $165,000
- Median spread over APOR
- 0.990
- Paid discount points
- 10.8%
- Received lender credits
- 22.3%
- Purchases / refinances
- 23.7% / 33%
- Conventional / FHA / VA
- 98.5% / 1.4% / 0.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 30.1% of loans here — see methodology.
Where BMO Bank National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Illinois | 3,906 | $6,195 | 8.330% |
| California | 3,818 | $6,679 | 7.630% |
| Wisconsin | 2,970 | $3,379 | 8.230% |
| Indiana | 1,029 | $3,236 | 8.480% |
| Arizona | 962 | $7,030 | 8.230% |
| Colorado | 755 | $4,453 | 8.130% |
| Minnesota | 487 | $4,243 | 8.480% |
| Missouri | 324 | $4,095 | 8.480% |
| Nebraska | 297 | $3,494 | 8.730% |
| Florida | 285 | $7,552 | 8.080% |
| Kansas | 223 | $3,568 | 8.680% |
| Iowa | 193 | — | 8.830% |
| Washington | 190 | $5,728 | 6.938% |
| Oregon | 173 | $6,652 | 7.880% |
| New Mexico | 162 | — | 8.480% |
| Nevada | 105 | — | 8.230% |
| Wyoming | 98 | — | 8.665% |
| Utah | 82 | $5,459 | 6.875% |
| Oklahoma | 61 | — | 8.680% |