If a mortgage document bears the Countrywide name, begin with your most recent mortgage statement and any servicing-transfer notices. Bank of America acquired Countrywide Financial in 2008, but the payment destination for a particular loan depends on its subsequent servicing history. This guide helps US borrowers assemble that record and find the right company to contact.
Place the Countrywide name in context
- January 11, 2008: Bank of America announced an agreement to buy Countrywide Financial. This was the proposed transaction.
- July 1, 2008: Bank of America announced completion of the purchase.
Those dates explain the corporate relationship. A current account question requires the loan’s own records: it may have been refinanced, paid off, sold or transferred for servicing. Keep the old Countrywide paperwork as part of that history and verify today’s payment instructions separately.
Separate the lender, owner and servicer
The original lender made the loan. The owner holds the loan, while the servicer handles the account and receives payments. A change in ownership can occur while the same servicer remains in place. The CFPB’s explanation of mortgage sales describes this distinction and the notices involved.
For a payment, escrow question or account record, start with the current servicer. If you need to identify the owner, ask the servicer for that information using the CFPB’s owner-identification guidance. That page also links to MERS servicer lookup and the Fannie Mae and Freddie Mac owner lookup tools. A missing result in an individual database needs further investigation.
Trace the documents to the current account
- Locate the latest statement. Note the statement date, property address, servicer name, account suffix, payment address and official website. Compare it with your bank’s recent mortgage-payment records.
- Arrange transfer notices by effective date. Identify when the old company stopped accepting payments and the new one began. Retain both sides of the transfer correspondence where available.
- Verify a new contact independently. Use a previously trusted statement or the company’s independently located official site to confirm the notice and account. Resolve inconsistent names, dates or payment instructions before changing the destination.
- Reconcile payment arrangements. Confirm the new due-date instructions and whether servicer autopay needs enrollment. Update bank bill-pay details as applicable, and check for duplicate or missing drafts.
- Review the first statement after transfer. Check that payments and relevant account information carried over. Keep confirmations and report discrepancies promptly.
The CFPB’s servicing-transfer guide explains notices, payment routing and follow-up. If you have only old Countrywide documents, gather the last known statement, subsequent bank payments and any payoff or refinance papers, then use official lookup or verified servicer support to fill the gap. An old bookmark alone cannot establish the current account.
Follow a fictional paper trail
| Record | Detail to capture | Question it answers |
|---|---|---|
| Original or refinance papers | Date, property and lender; whether a later refinance replaced the loan. | Which obligation are these papers about? |
| Latest statement | Date, servicer, account suffix and payment information. | Who is currently handling the account? |
| Servicing-transfer notice | Old/new servicers and effective payment dates. | When should the payment route change? |
| Payment and correspondence records | Posting dates, amounts, confirmation numbers and written responses. | What happened, and what still needs correction? |
Use the mortgage record checklist to keep a compact timeline. Store full loan numbers and identity documents securely; use only an account suffix in your working checklist.
Request records or resolve a servicing problem
Describe the specific issue, the dates and the supporting documents. For example: “My bank shows the October payment cleared, but the November statement does not credit it.” Ask the servicer to explain the posting and correct any error. Keep copies of what you send and proof of delivery.
A written information request or notice of error may have a designated address separate from the payment address. The CFPB’s written-request guidance explains what to include and how to route it. Confirm the current address on your statement or with verified support. Contact both old and new servicers when the missing record concerns a transfer.
For covered servicing transfers, Regulation X, section 1024.33(c) provides a 60-day protection when the previous servicer receives a payment by the applicable due date, including any contractual grace period: it may not be treated as late. This protects a timely payment sent to the old servicer; continue making required payments and correct the destination promptly.
If an unresolved issue needs escalation, the CFPB complaint process provides an official route. For difficulty making payments, use the CFPB’s guidance on working with your servicer to start a discussion about available help. A pending request or complaint does not itself pause the loan’s payment obligations.
If your purpose is budgeting after identifying the account, the mortgage calculator separates modeled principal and interest from other housing costs. Use actual statements and servicer records to resolve account balances and escrow questions.
US guidance reviewed October 6, 2026. Examples are fictional. Explore loans, credit and debt guides.