How to Get a Mortgage Statement Online or by Mail

To get a copy of your mortgage statement, log in to your servicer’s website or app and download the PDF from the documents or statements section. If you can’t access the portal, or you need an older statement that’s no longer posted there, call the customer-service number on your last bill or send a written request to the servicer’s designated address for information requests. Federal law gives you the right to this information and bars the servicer from charging a fee to provide it.

Download It From Your Servicer’s Portal

The online portal is the fastest route. After logging in, look for a tab labeled “Documents,” “Statements,” or “Paperless History.” Pick the billing period you need and the site will generate a PDF you can download or print. Most portals let you select a custom date range, so you can pull several months at once if you’re preparing for a refinance or a tax filing.

Save the file somewhere secure. A mortgage statement carries your loan number, payment amounts, and enough personal detail to be useful to an identity thief, so an encrypted folder or password-protected cloud drive beats leaving it in your downloads.

While you’re in the portal, check your delivery preferences. If paperless is on, you receive email alerts when a new statement posts but nothing by mail. Switching paperless off puts a paper copy back in your mailbox each month alongside the online version.

Portals don’t keep statements forever. Retention varies by servicer and by the investor who owns the loan. For anything older than what’s available online, use the phone or mail options below.

Call Your Servicer

Dial the customer-service number printed on your most recent statement or listed on the servicer’s website. The automated menu usually offers an option for account information or document requests. A representative can verify your identity and arrange for copies to be mailed to the address on file. Ask when you should expect them.

Send a Written Request

A written request creates a paper trail and triggers specific legal deadlines. Include your name exactly as it appears on the mortgage, your account number, and a clear description of what you want — for example, “copies of all periodic statements from January 2025 through December 2025.” The CFPB publishes a sample letter you can adapt.¹

Where you send it matters. Servicers typically designate a separate address for information requests and error notices, different from the one that receives payments. The designated address appears on your monthly statement or the servicer’s website, and you can also call to confirm it. Don’t write the request on a payment coupon — the servicer isn’t obligated to treat that as a formal information request.¹

Send it certified mail, return receipt requested, so you have proof of the date the servicer received it.

If You’re Not Sure Who Your Servicer Is

Mortgage servicing rights change hands often, and it’s easy to lose track of who holds yours now. Federal rules require the old servicer to notify you at least 15 days before a transfer and the new servicer to notify you within 15 days after.² Those letters are easy to miss.

The MERS ServicerID tool lets you look up your current servicer for free using your property address, your name and Social Security number, or the Mortgage Identification Number from your original loan documents.³ The CFPB points to the same tool as the first step when you’re unsure.⁴

If you need your account number, it’s on your closing disclosure, any prior statement, or your payment coupon. A free credit report will also show the servicer’s name and the account number tied to your mortgage tradeline.

Your Right to a Free Copy and How Long It Takes

Under RESPA, you can submit a written information request to your servicer, and the servicer cannot charge a fee or require you to make a payment as a condition of responding.⁵ That applies whether you’re asking for last month’s statement or copies from years ago.

The servicer must acknowledge your written request within five business days. For most information, it then has 30 business days to provide what you asked for or explain in writing why it isn’t available. The servicer can extend that deadline by 15 business days, but only if it notifies you of the extension before the original 30 days run out.⁵

The one carve-out from the no-fee rule is a beneficiary notice required under state law, which the servicer may charge for if state law allows. Routine statement requests fall under the no-fee rule.

If You Aren’t Getting Monthly Statements in the First Place

The periodic statement requirement comes from Regulation Z, 12 CFR 1026.41, which requires the servicer to send a statement for every billing cycle on a closed-end residential mortgage, delivered or mailed within a reasonably prompt time after the due date or any courtesy period ends.⁶ A few situations are exempt.

Coupon Book Loans

If you have a fixed-rate loan and your servicer uses a coupon book, the servicer is exempt from sending monthly statements, provided each coupon shows the payment due date, the amount, and late-fee information, and the book itself includes your account details and servicer contact information. The servicer must still make the full payment breakdown and transaction history available on request, by phone, in writing, in person, or electronically.⁷

Small Servicers

Servicers that handle 5,000 or fewer mortgage loans and either own all of them or are a Housing Finance Agency or qualifying nonprofit are classified as “small servicers” and are fully exempt from the periodic statement rule.⁶ If a small community bank or credit union services your loan, you may not get automatic monthly statements. You can still request account information in writing under RESPA, and the servicer must respond.

Bankruptcy

When a borrower is in bankruptcy, the servicer may be fully exempt from sending statements, or may send a modified version, depending on the circumstances and what the borrower or court has requested.⁶

Year-End Tax and Escrow Documents

If you’re looking for your mortgage statement to prepare taxes, you probably want two different documents, not the monthly statement.

Your servicer must send you Form 1098 if you paid $600 or more in mortgage interest during the year.⁸ It reports total interest received, any mortgage insurance premiums, and optionally property taxes and insurance paid from escrow. It generally must arrive by January 31. Most servicers post it in the online portal next to your regular statements.

If your loan has an escrow account, the servicer must also send an annual escrow account statement within 30 days of the end of the escrow computation year. It shows what went in and out of escrow, your current balance, a projection for the coming year, and any surplus, shortage, or deficiency along with how the servicer plans to handle it. That calculation is usually why your monthly payment changes from one year to the next.⁹

If a Statement Is Missing or Wrong

When a statement never arrived, the breakdown looks off, or you see fees you didn’t authorize, the strongest tool you have is a written Notice of Error sent to the servicer’s designated address. It isn’t just a complaint; it triggers a legal obligation. The servicer must acknowledge receipt within five business days and either correct the problem or explain in writing why it believes no error occurred within 30 business days. It can extend that window by 15 days if it notifies you before the original deadline.¹⁰

The servicer cannot charge you for responding to a Notice of Error or an information request, and it cannot require you to be current on payments before it responds.⁵

Watch the timing. The servicer isn’t required to respond to a Notice of Error submitted more than one year after the loan was transferred to a different servicer or after the mortgage was discharged. If you spot an error from a prior servicer, don’t wait.¹⁰

Address the request to the servicer’s designated notice address, not the payment-processing address. Include your name as it appears on the loan, the account number, and a clear description of the error or the information you’re asking for. Certified mail with return receipt gives you proof the servicer received it.¹

1
Consumer Financial Protection Bureau. How Do I Dispute an Error or Request Information About My Mortgage
2
Consumer Financial Protection Bureau. 1024.33 Mortgage Servicing Transfers
3
MERSINC. Homeowners ServicerID
4
Consumer Financial Protection Bureau. How Can I Tell Who Owns My Mortgage
5
Consumer Financial Protection Bureau. 1024.36 Requests for Information
6
eCFR. 12 CFR 1026.41 – Periodic Statements for Residential Mortgage Loans
7
eCFR. 12 CFR 1026.41 – Periodic Statements for Residential Mortgage Loans
8
Internal Revenue Service. Instructions for Form 1098 (12/2026)
9
Consumer Financial Protection Bureau. 1024.17 Escrow Accounts
10
eCFR. 12 CFR 1024.35 – Error Resolution Procedures