HOW CAN I DETERMINE THE LENDER FROM THE SERVICER ON MY STATEMENT?

I am assuming you are very close to completing your mortgage financing, or just completed it, but must be viewing closing documents? You can certainly ask your loan officer and they should be able to tell you. The mortgage company, credit union or bank may fund their loans in their name but sell a majority of them to the ultimate servicer. In general most keep on average of 10% of their own loans for servicing. Some of them may have a servicing company they pay to handle all theirloans they retain, such as Dovenmuhle. Otherwise Wells Fargo, PennyMac, Chase and a whole host of other banks may purchase and service the loan. It is not always readily apparent though, as sometimes they end up selling it to someone they had not yet designated. title will show the lender as the origination lender. They own the loan until it is sold. The exception would be a mortgage broker who originates the loan on behalf of the bank or loan company being brokered to and generally...though not always...that will end up being your servicing company as well.