You can find your loan number on your monthly billing statement, inside your online account or mobile app, in the closing paperwork you signed, on your year-end tax form, or by calling your loan servicer. Each of those sources carries the same unique string of numbers (sometimes with letters) that your lender uses to link payments and correspondence to your account. Which one is easiest depends on what you have in front of you right now.
Monthly Billing Statement
The quickest place to look is the statement your lender sends every billing cycle, whether it arrives by mail or as a downloadable PDF. Most lenders print the number in a header or account-summary box on the first page, near the payment due date and amount owed. The field is usually labeled “Account Number,” “Loan Number,” or “Account Details.”
A new statement is generated every month, so it always reflects your current account information, including any number that changed after a servicing transfer. If you went paperless, older statements are typically stored in your online document archive for at least a few years as a backup.
Online Account and Mobile App
After you log in to your lender’s website or app, go to the loan dashboard. The number usually sits under a tab labeled “Account Details,” “Loan Information,” or “Settings.” That gives you an instant answer without waiting for the next bill.
For security, many portals show only the last four digits by default and mask the rest with asterisks. Look for a small “show” link or eye icon to reveal the full number when you need it.
Closing Documents
The paperwork you signed when you first took out the loan is a permanent record of the account number. For a mortgage, the two key documents are the Promissory Note and the Closing Disclosure. The Closing Disclosure is required by federal regulation to include a “Loan ID #” that identifies the transaction for you, the lender, and anyone else involved.1Consumer Financial Protection Bureau. 12 CFR 1026.38 – Content of Disclosures for Certain Mortgage Transactions That field generally appears at the top of the first page, near your name and the loan amount.
One caveat if you have refinanced. A refinance pays off your old loan and creates a brand-new one, which means a new loan number. Pull the closing documents for the current loan, not the original.
Year-End Tax Forms
Your annual tax document is another reliable source. Mortgage lenders that receive $600 or more in interest during the year must file IRS Form 1098 and send you a copy.2Internal Revenue Service. Instructions for Form 1098 (12/2026) Student loan servicers file Form 1098-E under a similar $600 threshold.3Internal Revenue Service. Instructions for Forms 1098-E and 1098-T (2025) Both forms have a designated “Account Number” box.
The IRS requires that box whenever a lender files more than one form for the same borrower and encourages lenders to include it on every form.2Internal Revenue Service. Instructions for Form 1098 (12/2026) Because the layout is standardized, look toward the lower portion of the form regardless of which lender issued it. Lenders must furnish your copy by January 31 of the following year.
Calling Your Servicer
When you cannot find any documents, call your servicer’s customer support line or use the secure-message feature inside your online account. The representative will verify your identity first. Expect to confirm your Social Security number, date of birth, or (for a mortgage) the property address.
Once you are verified, the representative can read you the full loan number or send it through a secure channel. This route is especially useful right after a servicing transfer, when your old statements show the previous number and your new online account may not be fully set up yet.
Having Someone Else Call for You
If you want a family member, attorney, or housing counselor to handle the call, most servicers require a written third-party authorization on file first. The CFPB’s model authorization form asks for the third party’s name, contact information, and signature, and it expires one year from the date you sign it unless you cancel it sooner.4Consumer Financial Protection Bureau. Borrower Authorization of Third Party Your servicer may use its own version, so ask before anyone else calls in.
After Your Loan Is Transferred to a New Servicer
Servicing changes are a common reason people lose track of a loan number. When servicing rights are sold, the new company often assigns a different account number. The terms of your mortgage itself (your rate, balance, and repayment schedule) cannot change because of the transfer, but your loan number, payment address, and online login almost certainly will.5Consumer Financial Protection Bureau. What Happens if My Mortgage Is Sold? Is My Loan Safe?
Both servicers have to notify you. Your current servicer must send a notice at least 15 days before the transfer takes effect, and the new servicer must send its own notice no more than 15 days after.6Consumer Financial Protection Bureau. 12 CFR 1024.33 – Mortgage Servicing Transfers Your new loan number is typically printed in that second letter, sometimes called a welcome letter. Keep it rather than treating it as junk mail.
The MERS Number Is Not Your Loan Number
If your mortgage is registered on the Mortgage Electronic Registration System (MERS), you may see a separate 18-digit number on your deed of trust or mortgage document.7Fannie Mae. Mortgage Electronic Registration System (MERS) Seller/Servicer Risk Self-Assessment That is the MERS Mortgage Identification Number (MIN), and it is not the same as the loan number your servicer uses for billing and payments. The MIN stays with the loan when servicing transfers; your servicer loan number can change each time.
The MIN still has a use. MERS runs a free tool called ServicerID that tells you who currently services your loan and who owns it, either online or by calling (888) 679-6377.8MERSINC. Find Your Servicer with MERS ServicerID You do not need the MIN to run the search; you can verify certain personal details instead. If you have lost touch with your servicer after a transfer, the lookup can point you to the right company so you can request your current loan number from them directly.