---
canonical_url: https://lendb.ai/lo/michael-mcgarvey-1643074
json_url: https://lendb.ai/lo/michael-mcgarvey-1643074.json
nmls_id: 1643074
last_verified: 2026-10-09
---

# Michael McGarvey

Centralized HELOC Banker at BMO Bank, Naperville, IL. NMLS ID 1643074 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1643074)).

**Summary:** Michael McGarvey (NMLS 1643074) is Centralized HELOC Banker at BMO Bank, based in Naperville, IL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: HELOC. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: English
- Profile: unclaimed
- Status: active

## Specialties

- **HELOC** (`heloc`): lender page, confidence 0.85, verified 2026-10-09. Source: https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: BMO Bank (NMLS 401052), Naperville, IL. Source: https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1643074

## Contact

- View profile at BMO Bank: https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-mcgarvey-1643074#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1643074
- lender_site: https://usmortgagebanker.bmo.com/il/naperville/mm-1643074/

Cite as: Michael McGarvey (NMLS 1643074), BMO Bank. LenDb.ai, https://lendb.ai/lo/michael-mcgarvey-1643074, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._