You're binding a homeowner policy. The borrower has a mortgage with a lender you've never heard of. You need the mortgagee clause — the lender name, ISAOA/ATIMA designation, and exact mailing address — before you can issue the dec page.
What happens next usually involves 15 minutes of Googling, three outdated PDFs, a call to the servicing department, and 12 minutes of hold music.
Here's a faster way.
Step 1: Search the lender name
Go to MortgageeClauses.com and type the lender name into the search bar. Partial matches work — type "cenlar" and you'll find Cenlar FSB, plus every lender serviced by Cenlar.
Step 2: Copy the clause
Click the lender. The full clause text appears in a monospace box with a "Copy Clause" button. One click copies the exact text you need for the dec page — lender name, ISAOA/ATIMA, PO Box, city, state, zip.
No reformatting. No retyping. Paste it directly.
Step 3: Submit proof of insurance
Below the clause, you'll see the lender's insurance verification portal — the specific URL where you submit evidence of insurance. Not just "MyCoverageInfo.com" but the lender-specific path like mycoverageinfo.com/chase or ihaveinsurance.com/usbank.
We also show what login credentials the portal requires (loan number + ZIP, loan number + ZIP + last four SSN, etc.) so you're not guessing at the login screen.
What you get with a free account
Free accounts can search the full database and see every lender's name, city, state, and category. That's enough to confirm whether a lender is in our system.
What Plus unlocks
For $20/month, Plus gives you everything you need for the actual transaction:
- Full clause text with one-click copy
- Mailing address, phone, fax, email
- Verification portal URLs with login instructions
- Agent portal links (when different from borrower portal)
- NMLS IDs, aliases, lender notes
- Up to 10 favorites for your most-used lenders
What Business adds
For agencies with teams, Business ($75/month) includes 5 seats plus loss draft addresses, escrow addresses, flood clause addresses, LPI provider info, and priority clause requests.
The math
If you spend 15 minutes finding a mortgagee clause manually and you do that 20 times a month, that's 5 hours. At a billing rate of $50/hour, that's $250 in lost productivity.
Plus costs $20/month and includes a 7-day free trial. The ROI is 12x on day one.
Search 850+ lenders at MortgageeClauses.com.