Every major US mortgage servicer, explained.

The largest US residential mortgage servicer. Wells Fargo handles insurance claims through the Assurant-operated InsuranceClaimCheck.com platform, with separate workflows for mortgage and home equity accounts.

JPMorgan Chase services about 3 million mortgages. Loss draft processing is handled through the Assurant InsuranceClaimCheck.com platform, with mail sent to the Springfield, OH Assurant facility.

Formerly Nationstar, rebranded to Mr. Cooper in 2017. Mr. Cooper services roughly 4 million loans and processes loss drafts through the InsuranceClaimCheck.com platform.

Formerly Quicken Loans. Rocket Mortgage publishes separate insurance loss guides for claims under $50,000 and over $50,000, reflecting a two-tier process.

US Bank services about 1.5 million mortgages and routes loss draft processing through the Assurant facility at 1 Assurant Way, Springfield, OH.

PNC services roughly 500,000 residential mortgages. Loss claims are handled via a dedicated Hazard Insurance Loss Claims team and documents route through InsuranceClaimCheck.com/433.

Flagstar services about 1.5 million mortgages and subservices for many smaller lenders. Following NYCB's 2022 acquisition and 2024 rebrand to Flagstar Financial, the servicing platform remains consistent.

PennyMac services roughly 2.5 million mortgages through a dedicated Loss Draft Department, with submissions routed through InsuranceClaimCheck.com.

One of the largest non-bank mortgage servicers in the US (~2M loans). Freedom Mortgage acquired RoundPoint in 2020, so RoundPoint customers are now serviced through Freedom's loss draft team.

NewRez and its servicing brand Shellpoint Mortgage Servicing make up one of the largest non-bank servicers in the US. Caliber Home Loans was absorbed into NewRez, and Specialized Loan Servicing (SLS) was rebranded as Shellpoint in May 2024 — so all three brands now share the same loss draft infrastructure.

The second-largest mortgage loan servicer in the US by volume. Lakeview is subserviced by LoanCare and routes loss drafts through the Assurant InsuranceClaimCheck.com platform.

Formed by the 2019 merger of BB&T and SunTrust. Truist services about 1M residential mortgages, with loss draft processing routed through the Assurant Springfield, OH facility.

Northeast-focused regional bank servicing roughly 800K mortgages. M&T uses the Assurant InsuranceClaimCheck.com platform for documents while running a separate Buffalo, NY backup mailing address.

Carrington specializes in non-QM loans and FHA/VA servicing (~500K loans). Unlike most major servicers, Carrington uses SWBC (Southwest Business Corporation) in San Antonio for loss draft processing — not Assurant.

Major non-bank lender servicing ~400K loans. loanDepot routes documents through InsuranceClaimCheck.com with a P.O. Box in Florence, SC.

Independent mortgage banker headquartered in San Diego with their own in-house Property Damage Support Team. Guild does not use a third-party loss draft processor — submissions go directly to their San Diego HQ.

USAA serves military families and is one of the largest insurance/banking affinity providers. Loss draft processing routes through the Assurant Springfield, OH facility.

The largest credit union in the world by assets and members. NFCU serves military, veterans, and family members; loss draft processing is done in-house from their Florence, SC operations center.

Northeast and Midwest regional bank servicing residential mortgages. Citizens uses Assurant for loss draft processing (note: not to be confused with Florida's Citizens Property Insurance Corporation).

Midwest-focused regional bank. Fifth Third uses MyInsurancePortal (a different third-party portal than Assurant) for loss draft processing.

Midwest regional bank with in-house property claims handling. Huntington corresponds primarily by email and phone, not portal-first.

Southeastern regional bank with a notably streamlined loss draft process — only one required form. Regions calls claims over $15,000 "monitored claims."

AmeriHome (owned by Western Alliance Bank) is subserviced by ServiceMac. Loss drafts go through Assurant's InsuranceClaimCheck.com.

Specialty servicer focused on default and non-performing loans. Fay uses MyInsurancePortal (not Assurant) and operates from Texas.

Missouri-based mid-size servicer (NMLS #1142067). Mid America runs an in-house servicing department from Columbia, MO.

Atlanta-based digital lender. AmeriSave routes loss draft processing through Assurant's InsuranceClaimCheck.com.

Specialty servicer with a particular focus on default and high-balance loans. Documents flow through Assurant.

BoA largely exited mortgage origination in 2011 but still services a meaningful portfolio. Their loss draft process is in-house, with a permissive endorse-and-return policy for smaller claims.

The largest subservicer in the US — Cenlar processes mortgages on behalf of hundreds of community banks, credit unions, and smaller lenders. If your note holder is a small bank, Cenlar is often the actual servicer.

Bayview Loan Servicing rebranded as Community Loan Servicing. Specialty servicer focused on non-standard and non-performing loans, processed through their Troy, MI loss draft facility.

Major Northeast/Mid-Atlantic mortgage servicer. TD Bank operates an in-house Insurance Department from Lewiston, ME for mortgage loss draft processing.

Major Midwest/Northeast regional bank with in-house mortgage servicing operations from Brooklyn, OH.

One of the largest credit unions in the US, PenFed serves military and federal employees. Loss drafts are handled by PenFed's Mortgage Loss Mitigation team in Newark, DE.

The largest US wholesale mortgage lender. UWM's servicing portfolio is rapidly growing; loss drafts route through Assurant's InsuranceClaimCheck.com.

PHH Mortgage rebranded to Onity Mortgage in 2024 (Ocwen Financial's servicing brand). Loss drafts are handled in-house from West Palm Beach, FL.

LoanCare is one of the largest US mortgage subservicers (~3M loans), handling servicing for Lakeview, M&T, and dozens of community banks and credit unions on a white-label basis.

Major specialty servicer focused on default and non-performing loans, headquartered in Salt Lake City. SPS uses MyCoverageInfo (Assurant) for policy management and runs an in-house insurance claims operation.

Citibank exited mortgage origination in 2018 but retains a residual servicing portfolio. Property damage claims are handled by an in-house Property Damages Department.

Major non-bank lender. Movement Mortgage is "powered by Carrington Mortgage Services," meaning loss drafts route through SWBC in San Antonio (the same processor as Carrington).

Major non-bank lender headquartered in Cleveland, OH. CrossCountry uses MyCoverageInfo (Assurant) for policy management.

Major non-bank lender. New American Funding uses Proctor Financial (PFIC) as their loss draft processor in Troy, MI.

Mid-size mortgage subservicer that processes loans on behalf of AmeriHome and several other lenders. ServiceMac uses DIMONT for collateral loss mitigation services.

Pacific Northwest and West Coast bank. Mechanics Bank merged with HomeStreet Bank in September 2025; transition of legacy HomeStreet accounts continues into 2026.

Pacific Northwest credit union with ~1.3M members. BECU handles mortgage loss drafts in-house from Tukwila, WA.

Florida's largest credit union by assets. Critical for hurricane-driven claim processing across the state. Insurance services run through Members Insurance Center, a Suncoast subsidiary.

California's largest credit union, serving school employees and their families. Loss drafts processed in-house from Santa Ana, CA.

Major Texas credit union (~1M members) headquartered in Universal City, TX. Loss drafts processed in-house by RBFCU's Mortgage Servicing Department.