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What happens next often means searching outdated PDFs, calling the servicer, and waiting on hold.
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. Use the lender-specific path on the servicer's portal (not only the generic homepage).
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 on a 30-day trial
New accounts can start a 30-day trial with up to 3 lenders (no card required). During the trial you can confirm the lender is in the directory and open full clause and contact detail for those lenders.
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 Team and Agency add
For agencies with teams, Team ($49/month, 5 seats) and Agency ($129/month, up to 25 users) add shared workspace billing. Advanced roadmap items such as dedicated loss-draft workflows are described on our roadmap, not bundled into current plans.
Time saved at the desk
Manual clause lookup adds friction to every bind. When your team handles many mortgages each month, that time adds up fast.
Plus includes a 30-day trial with three full clause reveals. If manual lookups still eat more than a few minutes per file, a subscription usually pays for itself quickly.
See also: insurance binder requirements for closing and mortgagee clause mistakes that delay closings.