Property Owners · Records Reconciliation · for homeowners, heirs and owners under strain
Mortgage Ownership & Servicing Research
A source-cited map of who the records show is connected to a mortgage: the lender, the servicer, the owner of the loan, and any recorded assignments.
The company you send payments to is often not the company that made the loan, and neither may be the one that owns it today. We review what is publicly recorded alongside the statements and notices you already have, and lay out who appears where, what conflicts, and what is still unknown.
Questions we help answer
- Who originated the loan, and who services it now?
- What assignments or satisfactions are recorded, and in what order?
- Do my statements and transfer notices match the public record?
- What should I ask my servicer, and how do I ask in writing?
Who's who in a mortgage
- Originating lender
- The company that made the loan at closing. It may have sold the loan soon after.
- Current servicer
- The company that collects payments and handles your account day to day. Servicing can be transferred without the loan being sold.
- Loan owner / investor
- The party that owns the loan, such as a bank, a trust or a government-sponsored enterprise. Often not named in public records.
- Recorded mortgagee / assignee
- The party named on the recorded mortgage or a later recorded assignment. Recording may lag, or may not reflect who owns the loan today.
- MERS as nominee
- Mortgage Electronic Registration Systems may appear on the record as nominee for the lender. It tracks interests electronically and is usually not the loan owner.
What we look at
- 01
Recorded mortgage documents
Mortgages, assignments and satisfactions we can locate in county recording records, with dates and instrument references.
- 02
Your statements & notices
Borrower-authorized review of statements and servicing-transfer notices you choose to share. We never log into or request private loan accounts without your written consent.
- 03
Source-cited party map
A one-page map of each party named, its role, and the document where it appears.
- 04
Contradictions & unknowns
A clear list of where sources disagree and what the records simply do not show.
- 05
Questions & request letter
Help organizing your questions and a draft request for information that you write, sign and send to your servicer.
What we can find depends on what each municipality makes available. Scope and timing are confirmed with you before any work begins.
How we research government records
Our six-step method: public portals first, targeted OPRA or Right-to-Know requests when needed, and a sourced report.
Asking your servicer who owns your loan
Federal rules generally let a borrower send a written request asking the servicer to identify the owner or assignee of the loan.
Under Regulation X (12 CFR 1024.36), servicers generally must respond to an owner-identification request within 10 business days. Whether the rule applies depends on the loan type and other factors, and some exemptions exist.
You send the request yourself. We can help you organize what to ask; we do not contact your servicer on your behalf.
CFPB: How can I tell who owns my mortgage? (opens in new tab)General information only, not legal advice.
Have a property question?
Tell us the address and what you are trying to find out. We will reply by email with questions and a proposed scope.