Total CFPB mortgage complaint records
816
Institution profile
BMO Bank National Association
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
CFPB Mortgage Complaint Activity
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Coverage start
December 1, 2012
Data through
August 20, 2026
Annual activity
| Year | Complaint records |
|---|---|
| 2012 | 6 |
| 2013 | 95 |
| 2014 | 92 |
| 2015 | 70 |
| 2016 | 65 |
| 2017 | 42 |
| 2018 | 50 |
| 2019 | 40 |
| 2020 | 52 |
| 2021 | 50 |
| 2022 | 46 |
| 2023 | 62 |
| 2024 | 66 |
| 2025 | 46 |
| 2026 | 34 |
Leading issues
Trouble during payment process
None
166
Loan servicing, payments, escrow account
None
150
Loan modification,collection,foreclosure
None
123
Applying for a mortgage or refinancing an existing mortgage
None
44
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)
Struggling to pay mortgage
None
35
Application, originator, mortgage broker
None
34
Trouble during payment process
Payment process
34
Closing on a mortgage
None
29
Credit decision / Underwriting
None
20
Trouble during payment process
Escrow, taxes, or insurance
18
Settlement process and costs
None
15
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
Applying for a mortgage or refinancing an existing mortgage
Application denials
7
Trouble during payment process
Fees charged
7
Closing on a mortgage
Trying to communicate with the company to fix an issue with the loan closing
6
Incorrect information on your report
Account information incorrect
6
Incorrect information on your report
Account status incorrect
6
Closing on a mortgage
Changes in loan terms during or after closing
5
Closing on a mortgage
Delays with the closing process
5
Struggling to pay mortgage
Foreclosure
5
Trouble during payment process
Paying off the loan
5
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
4
Closing on a mortgage
Fees or costs after closing
4
Struggling to pay mortgage
An existing modification, forbearance plan, short sale, or other loss mitigation relief
4
Trouble during payment process
Interest rate
4
Trouble during payment process
Lien release
4
Trouble during payment process
Loan sold or transferred to another company
4
Applying for a mortgage or refinancing an existing mortgage
Confusing or misleading advertising or marketing
3
Applying for a mortgage or refinancing an existing mortgage
Fees or costs during the application process
3
Struggling to pay mortgage
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
3
Incorrect information on your report
Information belongs to someone else
2
Other
None
2
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
2
Applying for a mortgage or refinancing an existing mortgage
Delays in the application process
1
Applying for a mortgage or refinancing an existing mortgage
Loan estimate or other related disclosures
1
Applying for a mortgage or refinancing an existing mortgage
Trying to communicate with the company to fix an issue with the application process
1
Closing on a mortgage
Closing disclosure or other related disclosures
1
Improper use of your report
Reporting company used your report improperly
1
Incorrect information on your report
Old information reappears or never goes away
1
Trouble during payment process
Private mortgage insurance (PMI)
1
Unable to get your credit report or credit score
Other problem getting your report or credit score
1
States
Illinois
245
Wisconsin
154
California
107
Arizona
85
Florida
30
View all states (35)
Indiana
26
Minnesota
19
Missouri
15
Ohio
13
Colorado
11
Oregon
11
Georgia
10
None
9
Texas
9
Washington
9
Kansas
8
Michigan
7
Pennsylvania
6
Iowa
5
Nevada
5
North Carolina
5
Utah
4
Maryland
3
New Mexico
3
Arkansas
2
Idaho
2
New Jersey
2
Oklahoma
2
Tennessee
2
Virginia
2
Massachusetts
1
Nebraska
1
New York
1
South Dakota
1
Wyoming
1
Company response
Closed with explanation
714
Closed with non-monetary relief
57
Closed with monetary relief
43
Closed
1
In progress
1
Timely response
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
816
How to read these figures
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. US Mortgage Index does not treat complaint allegations as independently verified facts.