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Last reviewed: 3 October 2026

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Who owns and services my mortgage

The company you send your payment to is not always the company that owns your loan. This checklist follows the CFPB’s steps for finding out who owns your mortgage.

The short version: The CFPB says you can look up who owns your mortgage online, call, or send a written request to your servicer.[1] The servicer has an obligation to give you, to the best of its knowledge, the name, address and telephone number of the owner.[1] The CFPB warns that many loans are sold, so the servicer you pay every month may not own your mortgage.[1]

What this term means: A mortgage servicer is the company you pay each month. The owner of the loan is the company or investor that holds it. They can be different.[1]

The checklist

  1. Find your servicer’s contact details. The CFPB says the number is on your monthly mortgage statement or coupon book.[1]
  2. Call the servicer and ask who owns the loan. The CFPB lists calling as one way to find out.[1]
  3. Try the online look-up tools. The CFPB says many mortgages are owned by Fannie Mae and Freddie Mac, and that both offer a mortgage look-up tool on their websites.[1] It adds that you can look up your mortgage servicer by searching the Mortgage Electronic Registration Systems (MERS) website.[1]
  4. Send a written request. The CFPB says you can send a Qualified Written Request or a Request for Information, and it links a sample letter.[1] Our guide to notices of error and requests for information explains these.
  5. Keep a record. Our suggestion: note the date, who you spoke to and what they said, and keep copies of anything you send.

If the owner changes

The CFPB says that whenever the owner of your loan transfers the mortgage to a new owner, the new owner is required to send you a notice.[1] A change of owner is separate from a change of servicer. Our guide to servicing transfer rules covers the servicer side.

This is not the same as checking a loan officer

This page is about who holds and services a loan after it is made. The person who arranged the loan is a different party. Our published standard describes how we check individual loan originators. The Register page explains that method and reports findings in aggregate. It does not grade servicers or loan owners. To check an originator’s license yourself, use our NMLS license guide.

How to verify this yourself

Read the CFPB page in the reference list. It is the source for each step above. The answer that matters is the one from your servicer, in writing if you used a written request. If the answer seems incomplete, you can submit a complaint; our guide on filing a complaint describes the routes.

What this page does not cover

This page is general information, not legal advice. It does not say whether any servicer or owner has met its duties in your case, and it does not explain what to do once you know the owner. It does not cover the individual look-up tools beyond what the CFPB says about them. The CFPB page was last reviewed 9 September 2020 and last modified 12 March 2025. This page was last reviewed 3 October 2026.

Your next step

Start with the number on your latest statement and ask who owns the loan. If you want it in writing, send a request using the CFPB’s sample letter. Return to the Mortgage help library for related guides.

What you can do next

References

  1. CFPB, “How can I tell who owns my mortgage?” (Mortgages, last reviewed 9 September 2020; page last modified 12 March 2025): www.consumerfinance.gov/ask-cfpb/how-can-i-tell-who-owns-my-mortgage-en-214/.

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