U.S. Mortgage Index

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Public institution profile · Bank · Not a recommendation

BMO Bank National Association

BankChicago, ILActive

FDIC certificate 16571

Data observedAugust 3, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
16571
company ID
Not published — no verified match
More identifiers
Federal Reserve
75633
OCC charter number
14583
Not published — no verified match
Official website
https://www.bmo.com

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Chicago, IL
HMDA activity
Published activity year 2025
Listed branch locations
985
Complaint records
CFPB search status is not currently available.
CRA examinations
Outstanding, exam April 29, 2002
Institution history
46 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Chicago, IL
activity
Published activity year 2025
Listed branch locations
985
Complaint records
CFPB search status is not currently available.
CRA examinations
Outstanding, exam April 29, 2002
Institution history
46 published events

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

37,895reported records

16,529reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

37,895

2025

Loan originations

16,529

2025

Denials

11,613

2025

Withdrawals

4,396

2025

Denial rate among decisioned applications

40.5%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
202537,89516,52954711,6134,39640.5%
202442,16518,16647712,4195,49440.0%
202335,66616,62045110,8834,55138.9%
202229,06113,6724268,2573,08036.9%
202129,51813,3034647,9503,08536.6%
202026,66411,2304887,7293,45339.7%
201931,64013,57457310,2652,86942.0%
201834,68917,7715259,9892,53935.3%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional36,977
FHA869
VA49
RHS / FSA0
Home purchase8,875
Home improvement10,844
Refinancing1,369
Cash-out refinancing8,428

State reporting

52 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

816

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
20126
201395
201492
201570
201665
201742
201850
201940
202052
202150
202246
202362
202466
202546
202634

Leading issues

  1. Trouble during payment process

    None

    166

  2. Loan servicing, payments, escrow account

    None

    150

  3. Loan modification,collection,foreclosure

    None

    123

  4. Applying for a mortgage or refinancing an existing mortgage

    None

    44

  5. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    37

View all issues (42)

  1. Struggling to pay mortgage

    None

    35

  2. Application, originator, mortgage broker

    None

    34

  3. Trouble during payment process

    Payment process

    34

  4. Closing on a mortgage

    None

    29

  5. Credit decision / Underwriting

    None

    20

  6. Trouble during payment process

    Escrow, taxes, or insurance

    18

  7. Settlement process and costs

    None

    15

  8. Struggling to pay mortgage

    Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

    12

  9. Applying for a mortgage or refinancing an existing mortgage

    Application denials

    7

  10. Trouble during payment process

    Fees charged

    7

  11. Closing on a mortgage

    Trying to communicate with the company to fix an issue with the loan closing

    6

  12. Incorrect information on your report

    Account information incorrect

    6

  13. Incorrect information on your report

    Account status incorrect

    6

  14. Closing on a mortgage

    Changes in loan terms during or after closing

    5

  15. Closing on a mortgage

    Delays with the closing process

    5

  16. Struggling to pay mortgage

    Foreclosure

    5

  17. Trouble during payment process

    Paying off the loan

    5

  18. Applying for a mortgage or refinancing an existing mortgage

    Changes in loan terms during the application process

    4

  19. Closing on a mortgage

    Fees or costs after closing

    4

  20. Struggling to pay mortgage

    An existing modification, forbearance plan, short sale, or other loss mitigation relief

    4

  21. Trouble during payment process

    Interest rate

    4

  22. Trouble during payment process

    Lien release

    4

  23. Trouble during payment process

    Loan sold or transferred to another company

    4

  24. Applying for a mortgage or refinancing an existing mortgage

    Confusing or misleading advertising or marketing

    3

  25. Applying for a mortgage or refinancing an existing mortgage

    Fees or costs during the application process

    3

  26. Struggling to pay mortgage

    Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

    3

  27. Incorrect information on your report

    Information belongs to someone else

    2

  28. Other

    None

    2

  29. Problem with a credit reporting company's investigation into an existing problem

    Investigation took more than 30 days

    2

  30. Applying for a mortgage or refinancing an existing mortgage

    Delays in the application process

    1

  31. Applying for a mortgage or refinancing an existing mortgage

    Loan estimate or other related disclosures

    1

  32. Applying for a mortgage or refinancing an existing mortgage

    Trying to communicate with the company to fix an issue with the application process

    1

  33. Closing on a mortgage

    Closing disclosure or other related disclosures

    1

  34. Improper use of your report

    Reporting company used your report improperly

    1

  35. Incorrect information on your report

    Old information reappears or never goes away

    1

  36. Trouble during payment process

    Private mortgage insurance (PMI)

    1

  37. Unable to get your credit report or credit score

    Other problem getting your report or credit score

    1

States

  1. Illinois

    245

  2. Wisconsin

    154

  3. California

    107

  4. Arizona

    85

  5. Florida

    30

View all states (35)

  1. Indiana

    26

  2. Minnesota

    19

  3. Missouri

    15

  4. Ohio

    13

  5. Colorado

    11

  6. Oregon

    11

  7. Georgia

    10

  8. None

    9

  9. Texas

    9

  10. Washington

    9

  11. Kansas

    8

  12. Michigan

    7

  13. Pennsylvania

    6

  14. Iowa

    5

  15. Nevada

    5

  16. North Carolina

    5

  17. Utah

    4

  18. Maryland

    3

  19. New Mexico

    3

  20. Arkansas

    2

  21. Idaho

    2

  22. New Jersey

    2

  23. Oklahoma

    2

  24. Tennessee

    2

  25. Virginia

    2

  26. Massachusetts

    1

  27. Nebraska

    1

  28. New York

    1

  29. South Dakota

    1

  30. Wyoming

    1

Company response

  1. Closed with explanation

    714

  2. Closed with non-monetary relief

    57

  3. Closed with monetary relief

    43

  4. Closed

    1

  5. In progress

    1

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    816

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
BMO Bank National Association
Display name
BMO Bank National Association
Institution status
Active
FDIC insured
Yes
FDIC insured since
May 17, 1947
Established date
May 17, 1947
Charter class
National bank, member of the Federal Reserve System (FRS)
Primary federal regulator
Office of the Comptroller of the Currency
Headquarters
Chicago, IL, 60606, United States
Website
https://www.bmo.com
FDIC certificate number
16571
Federal Reserve
75633
OCC charter number
14583
Domestic location count
990
Source observed
August 3, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
OCC
Institution type
National Bank
Primary activity
NAICS 52211
FDIC certificate
16571
Federal Reserve
75633
3Y4U8VZURTYWI1W2K376
Headquarters
320 South Canal Street, Chicago, IL, 60606, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Outstanding
Exam date
April 29, 2002
Regulator
Federal Reserve
Examination method
Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
April 29, 2002OutstandingFederal ReserveLarge Bank Exam
March 1, 2000SatisfactoryFederal ReserveLarge Bank Exam
May 4, 1998SatisfactoryFederal ReserveLarge Bank Exam

Read the methodology

Formal hierarchy

FFIEC NIC hierarchy rows

48

Showing 1 through 25 of 48 relationship records

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured national bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

Ask about these locations

Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

985

Showing 451 through 500 of 985 listed locations

Scroll sideways to see every branch column.

Showing 451 through 500 of 985 FFIEC NIC branch locations
BranchAddressCityStatePostal code
CHICAGO (PILSEN) - W. 18TH ST BRANCH1400 West 18th StreetChicagoIL60608
CHICAGO (RIVER EAST) - E. ILLINOIS ST BRANCH352 East Illinois StreetChicagoIL60611
CHICAGO (ROGERS PARK/LOYOLA) - NORTH SHERIDAN ROAD BRANCH6556 North Sheridan RoadChicagoIL60626
CHICAGO (SOUTH LOOP ROOSEVELT) - W. ROOSEVELT BRANCH522 West Roosevelt RoadChicagoIL60607
CHICAGO (SOUTH LOOP WABASH) - - S. WABASH BRANCH1300 South Wabash AvenueChicagoIL60605
CHICAGO (UPTOWN) - N. BROADWAY BRANCH4531 North Broadway StreetChicagoIL60640
CHICAGO (WASHINGTON HEIGHTS) - W 95TH ST BRANCH1620 West 95th StreetChicagoIL60643
CHICAGO BMO TOWER BRANCH338 South Canal StreetChicagoIL60606
CHICAGO NORTH PULASKI ROAD HUMBOLDT PARK743 North Pulaski RoadChicagoIL60624
CHICAGO HEIGHTS - CHICAGO RD1630 Chicago RoadChicago HeightsIL60411
CICERO - S. CICERO AVE BRANCH2903 South Cicero AvenueCiceroIL60804
CRETE - MAIN ST BRANCH1380 Main StreetCreteIL60417
CRYSTAL LAKE - NW HWY BRANCH5545 Northwest HighwayCrystal LakeIL60014
CRYSTAL LAKE (RAKOW) - ROUTE 31 BRANCH1105 South IL Route 31Crystal LakeIL60014
DARIEN (TOWN CENTER) - 75TH ST BRANCH2275 75th StreetDarienIL60561
DES PLAINES - E. CENTRAL RD BRANCH205 East Central RoadDes PlainesIL60016
DOWNERS GROVE - W. OGDEN AVE. BRANCH1201 West Ogden AvenueDowners GroveIL60515
ELGIN - DUNDEE AVE BRANCH250 Dundee AvenueElginIL60120
ELGIN - MCLEAN BLVD BRANCH170 North Mclean BoulevardElginIL60123
ELK GROVE VILLAGE - HIGGINS RD450 East Higgins RoadElk Grove VillageIL60007
ELMHURST - YORK RD BRANCH1121 South York RoadElmhurstIL60126
EVANSTON - CENTRAL ST BRANCH2821 Central StreetEvanstonIL60201
EVERGREEN PARK - S KEDZIE BRANCH9950 South Kedzie AvnueEvergreen ParkIL60805
FOX LAKE - S. RT 12 BRANCH1310 South Route 12Fox LakeIL60020
860 NORTHWEST HIGHWAY BRANCH860 Northwest HighwayFox River GroveIL60021
FRANKFORT - S. LAGRANGE RD BRANCH20820 South Lagrange RoadFrankfortIL60423
FRANKFORT - W. LINCOLN HWY BRANCH11041 West Lincoln HighwayFrankfortIL60423
FRANKFORT S. HARLEM BRANCH19500 South Harlem AvenueFrankfortIL60423
GENEVA - E. STATE ST BRANCH1399 East State StreetGenevaIL60134
GLEN ELLYN - PENNSYLVANIA AVE BRANCH405 Pennsylvania AvenueGlen EllynIL60137
GLENCOE - PARK AVE BRANCH333 Park AvenueGlencoeIL60022
GURNEE (GRAND HUNT CENTER) - GRAND AVE BRANCH6547 Grand AvenueGurneeIL60031
HIGHLAND PARK - SECOND ST BRANCH1746 Second StreetHighland ParkIL60035
HINSDALE - S. LINCOLN ST BRANCH50 South Lincoln StreetHinsdaleIL60521
HINSDALE (DRIVE UP) - W. HINSDALE AVE BRANCH120 West Hinsdale AvenueHinsdaleIL60521
HOFFMAN ESTATES - ALGONQUIN RD BRANCH1680 West Algonquin RoadHoffman EstatesIL60192
HOFFMAN ESTATES - N. ROSELLE RD BRANCH1100 North Roselle RoadHoffman EstatesIL60169
HOFFMAN ESTATES - WEST HIGGINS ROAD1199 West Higgins RoadHoffman EstatesIL60169
HOMER GLEN - W. 143RD ST BRANCH12747 West 143rd StreetHomer GlenIL60491
HOMEWOOD - HALSTED BRANCH17600 Halsted StreetHomewoodIL60430
HUNTLEY (NORTH) - N. IL RT 47 BRANCH10604 North IL Route 47HuntleyIL60142
HUNTLEY (SOUTH) - S. IL RT 47 BRANCH12920 South Illinois Route 47HuntleyIL60142
JOLIET - ESSINGTON RD BRANCH801 Essington RoadJolietIL60435
JOLIET - N. CHICAGO ST BRANCH78 North Chicago StreetJolietIL60432
JOLIET - N. MIDLAND AVE BRANCH207 North Midland AvenueJolietIL60435
JOLIET (DRIVE UP) - E. JEFFERSON ST BRANCH61 East Jefferson StreetJolietIL60432
LAGRANGE - S. LAGRANGE RD BRANCH1000 South LA Grange RoadLa GrangeIL60525
LAKE BARRINGTON - SHORLINE RD BRANCH5035 Shoreline RoadLake BarringtonIL60010
LAKE FOREST - N. WESTERN AVE BRANCH824 North Western AvenueLake ForestIL60045
LIBERTYVILLE - N. MILWAUKEE AVE BRANCH354 North Milwaukee AvenueLibertyvilleIL60048

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

Ask about this history

Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

46

Showing 1 through 25 of 46 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
April 1, 2025Charter Discontinued (Merger or Purchase & Assumption)BMO HARRIS FINANCIAL ADVISORS, INC.
February 2, 2023Charter Discontinued (Merger or Purchase & Assumption)—
April 1, 2020Charter Discontinued (Merger or Purchase & Assumption)BMO HARRIS EQUIPMENT FINANCE COMPANY
September 1, 2012Charter Discontinued (Merger or Purchase & Assumption)—
August 1, 2012Charter Discontinued (Merger or Purchase & Assumption)M&I DEALER FINANCE, INC.
July 1, 2012Charter Discontinued (Merger or Purchase & Assumption)M&I BUSINESS CREDIT, LLC
December 30, 2011Charter Discontinued (Merger or Purchase & Assumption)M&I COMMUNITY DEVELOPMENT CORPORATION
July 6, 2011Charter Discontinued (Merger or Purchase & Assumption)—
July 6, 2011Charter Discontinued (Merger or Purchase & Assumption)—
July 6, 2011Charter Discontinued (Merger or Purchase & Assumption)—
April 24, 2010Failure - Government Assistance ProvidedAMCORE BANK, NATIONAL ASSOCIATION
September 6, 2008Charter Discontinued (Merger or Purchase & Assumption)—
September 6, 2008Charter Discontinued (Merger or Purchase & Assumption)—
September 5, 2008Charter Discontinued (Merger or Purchase & Assumption)COMMUNITY FINANCIAL GROUP MORTGAGE, INC.
May 12, 2007Charter Discontinued (Merger or Purchase & Assumption)—
August 26, 2006Charter Discontinued (Merger or Purchase & Assumption)—
February 18, 2006Charter Discontinued (Merger or Purchase & Assumption)—
December 3, 2005Charter Discontinued (Merger or Purchase & Assumption)—
May 28, 2005Charter Discontinued (Merger or Purchase & Assumption)—
May 28, 2005Charter Discontinued (Merger or Purchase & Assumption)—
May 28, 2005Charter Discontinued (Merger or Purchase & Assumption)—
May 28, 2005Charter Discontinued (Merger or Purchase & Assumption)—
May 28, 2005Charter Retained (Merger or P&A)HARRIS BANK ROSELLE
May 28, 2005Charter Discontinued (Merger or Purchase & Assumption)—
May 28, 2005Charter Discontinued (Merger or Purchase & Assumption)—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

Ask about these sources

Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

Related research pages