Short answer: Mr. Cooper is now part of Rocket Mortgage. Rocket Companies closed its purchase of Mr. Cooper Group on October 1, 2025, and mrcooper.com now tells borrowers that Rocket Mortgage services their loan. The loan itself didn't change, but where you send proof of insurance and which mortgagee clause belongs on the policy should follow the servicer's current instructions, so check the Rocket Mortgage listing before you renew, endorse, or send evidence on a former Mr. Cooper loan.
What happened
On October 1, 2025, Rocket Companies announced it had completed its acquisition of Mr. Cooper Group, combining the country's largest home loan originator with its largest mortgage servicer. The press release says the combined servicing portfolio covers nearly 10 million homeowners, and that "Mr. Cooper and all of its servicing functions will be rebranded under the Rocket umbrella." (Rocket Companies press release)
That rebrand has now reached borrowers. The Mr. Cooper website has been retired and replaced with a notice that the Mr. Cooper site and app are no longer available, that borrowers should manage their loan through a Rocket account, and that Rocket Mortgage now services the loan. It also says the loan number and payment details stayed the same. (mrcooper.com)
For a borrower, that's mostly a new login. For an insurance agent, CSR, or closer, it raises a practical question every time a former Mr. Cooper loan comes across your desk: is the old mortgagee clause still right?
Why it matters for the policy
The mortgagee clause tells the insurer who gets paid on a building claim and who gets notice before the policy cancels or lapses. If that clause names the wrong servicer or the wrong insurance address, a few things can go wrong:
- Renewal and cancellation notices go to the wrong place. The servicer that actually holds the escrow may never see them.
- Proof of insurance doesn't match the loan file. The servicer can't tie your evidence to the loan, so it treats the borrower as uninsured.
- Force-placed insurance letters start arriving. If a servicer can't confirm coverage, it can begin the lender-placed insurance process even though the borrower has a policy. Our guide on getting a force-placed insurance letter when you have coverage walks through how to fix that.
- Claim checks get delayed. A check made out to a servicer that no longer handles the loan has to be reissued or endorsed by the right party. See why a claim check names the lender.
None of this is unique to Mr. Cooper. It happens with any merger, rebrand, or servicing transfer. Mr. Cooper is just the biggest example agents are running into right now.
What to do on a former Mr. Cooper loan
1. Find out who services the loan today
Start with what the borrower has: a recent mortgage statement, a welcome letter from Rocket Mortgage, or a notice of servicing transfer. Mr. Cooper's own site now says Rocket Mortgage services loans that moved over, so if the statement says Rocket, that's your servicer. If the borrower isn't sure, our guide on how to find out who services your mortgage covers the lookups.
2. Don't copy the clause from last year's dec page
The prior declarations page is the most common source of a stale clause. It shows what was right when the policy was written, not what the servicer wants today. Pull the current clause from the servicer's instructions or from the Rocket Mortgage listing on MortgageeClauses.com, which is Verified. Signed-in members see the copy-ready clause, the insurance mailing address, and the proof-of-insurance routing there.
If you're looking at a policy that still lists Mr. Cooper, our Mr. Cooper listing shows what we have on file for that name, including its name history. Compare it with the Rocket Mortgage listing and the borrower's current statement before you change anything.
3. Keep the ISAOA/ATIMA language
Whatever servicer name ends up on the policy, keep the successor language the servicer gives you. "Its successors and/or assigns" is there precisely so the lender's protection follows the loan through a sale or transfer like this one. Our ISAOA/ATIMA explainer covers what each part does.
4. Change the mortgagee, then send fresh evidence
Submit the mortgagee change to the carrier, then send updated evidence of insurance (the dec page or an evidence of property insurance form) to the servicer's designated insurance address or portal, not the payment address. Include the loan number; Mr. Cooper's notice says loan numbers stayed the same. Our guide on how to add or change a mortgagee clause has the step-by-step, and Update a Mortgagee Clause After a Servicing Transfer covers reading the transfer notice itself.
5. Check it again at renewal
Mergers don't finish overnight. Rocket's press release described the rebrand as part of the acquisition, and borrower-facing changes reached the Mr. Cooper website later. Make a habit of confirming the clause at each renewal and whenever the borrower mentions a new statement or a new login, not just when a closing is on the calendar.
For title, escrow, and loan teams
On a refinance or a purchase where the seller's loan was a Mr. Cooper loan, the payoff goes to whoever services the loan now. On the buyer's side, the new loan's clause comes from the new lender's closing instructions, not from anything on the seller's file. Our checklist of mortgagee clause mistakes that delay closings is a good one to share with your team.
A quick checklist
- Confirm the current servicer from the borrower's latest statement or transfer notice.
- Pull the clause from the Rocket Mortgage listing or the servicer's instructions, not an old dec page.
- Keep ISAOA/ATIMA, the loan number, and the insurance (not payment) address.
- Endorse the policy, then send fresh evidence to the servicer's insurance address or portal.
- Recheck at the next renewal.
How we keep these listings current
MortgageeClauses.com tracks lender name changes and acquisitions in each listing's name history, and our daily verification run rechecks listings against lenders' own published information. When a lender confirms or corrects its clause, the listing and its "checked" date update. If you see something that looks out of date, report it and we'll look into it.
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*Related:* Insurance agents · Loan officers · Title and escrow · What is a mortgagee clause?