BMO BANK NATIONAL ASSOCIATION
BANK
LOWER RATE THAN 75% OF SCORED PEERS
Data last verified: May 2026 snapshot|12 federal data sources|Methodology ›
Complaint rate · per 1,000 est. customersscale 0–10
05100.31PER 1,000 EST. CUST.
Median of 36 scored 0.52 · Lowest in dataset 0.09
A lower federal complaint rate per customer than 75.0% of scored peers — though sub-signal observations remain on record.
Methodological confidence: HIGH · n=6,034 complaints over 14 years
Complaint rate
0.31
per 1,000 estimated customers
Resolved with relief
26%
received monetary or non-monetary relief
Daily volume
1.2
complaints per day · 2011–2026 average
0.6× the median of the 36 scored institutions; lower rate than 75.00% of scored institutions.
In the Evidence Pack
·Full issue & sub-issue breakdown, with counts
·24-month complaint-rate trajectory
·Hash-verified provenance on file
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Where complaints concentrate · top 3 product categories
Checking & savings
0.16/1k
3,202
Mortgages
0.04/1k
825
Credit cards
0.03/1k
687
TOTAL COMPLAINTS
6,034
2011–2026
YEAR-ON-YEAR
Flat
flat
RESOLUTION RATE
26%
above CFPB median
SHADOW RATE
—
directional
FEDERAL CONSENSUS
—
—
5 nearest rates in scored dataset
BANCO POPULAR DE PUERTO RICO
0.28/1k
MECHANICS BANK
0.29/1k
▸ BMO BANK NATIONAL ASSOCIATION
0.31/1k
GOLDMAN SACHS BANK USA
0.32/1k
COMMERCE BANK
0.34/1k
Complaint Coach
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Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

BMO BANK NATIONAL ASSOCIATION is a low-risk institution based on federal complaint data.

At 0.31 complaints per 1,000 estimated customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 tracked US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small. The High confidence rating means this score is based on substantial complaint volume and is statistically reliable.

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Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.

Federal enforcement record

No active federal enforcement actions are on file across the OCC, Federal Reserve, CFPB, FinCEN, FDIC, and FTC.

Most common words in federal complaints about BMO BANK NATIONAL ASSOCIATION
propertyhomeclosingprimelendinglenderbecausesubjectsaleappraisal
Extracted from 88 consumer complaint narratives · CFPB database
FULL RECORD
Complaint Profile
Rate / 1,000 est. customers0.31/1k
Total complaints (2011–2026)6,034
Year-on-year trendStable
Timely response rate99.8%
Complaint rate normalised per 1,000 estimated customers.
Financial Health Indicators
Call Report financial data not available for this institution. This data covers the largest depository institutions in the FDIC reporting set.
TARP government bailout$7.50M
DFAST stress test (Fed)9.6% CET1 stressed
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate39.9%
Mortgage denial rate detailNot reportedPer-race denial rates not currently reported pending independent verification of per-race application data.
Based on 28,417 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
The full issue and sub-issue breakdown for BMO BANK NATIONAL ASSOCIATION, with per-issue complaint counts, is included in the Evidence Pack.
Request the Evidence Pack →
Methodological notes
Received TARP government bailout: $8M
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Institution Status
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›