Your mortgage servicer must tell you who the mortgage holder or owner is of the loan if you request that information. This information is very helpful when seeking a loan modification where the servicer is uncooperative. If your mortgage loan was packaged into a mortgage backed security, then the name of the owner of the loan will be sufficient to locate the pooling and servicing online at sec.gov. That public document will detail under what circumstances mortgage loans in the pool may be modified.

There are 3 common lender roles:

Mortgage Loan Originator

The mortgage loan originator is the entity whose name appears as the lender on the loan note, mortgage and HUD-1 settlement statement

Mortgage Loan Holder

The mortgage holder is the entity that currently holds the borrower’s note and mortgage. This is the party that has the present right to receive payments on the note and to foreclose.

Mortgage Servicer

The mortgage servicer collect the monthly payments and interacts with the homeowner on the holder’s behalf. It also holds the funds in escrow to pay the property taxes and homeowner’s insurance.

The mortgage servicing lender does have delegated authority to enter a workout with a borrower (typically).