How to Request a Mortgage Payoff Statement From Any Servicer

A payoff statement is a document from your mortgage servicer that shows the exact amount required to pay your loan in full as of a specific "good-through" date. Because interest accrues daily, the figure changes each day, so the statement is tied to the date you expect the payoff funds to arrive. It typically includes the unpaid principal balance, per-diem interest, any outstanding fees or advances, escrow treatment, and wire or check instructions.

The borrower can always request their own payoff. A third party — such as a title company, escrow officer, closing attorney, or a new lender refinancing the loan — can also request it, but only after the borrower authorizes the release of information, usually by signing the servicer’s third-party authorization form. Without that authorization, most servicers will not release the payoff to anyone but the borrower.

Under federal law (12 C.F.R. § 1026.36(c)(3)), servicers of closed-end consumer mortgages must generally provide an accurate payoff statement within seven business days of receiving a written request. Reasonable exceptions apply, for example when a loan is in bankruptcy or foreclosure. Many servicers are far faster online, but a written request is what starts this clock — which is why keeping your fax transmission confirmation matters.

Include your full loan/account number, the property address, the borrower name(s) exactly as they appear on the mortgage, the good-through date you want the payoff calculated to, a return destination for the statement (fax, email, or mailing address), and a daytime phone number. Third-party requesters must also include a borrower-signed authorization to release information.

It depends on the servicer. Some — like Freedom Mortgage, Select Portfolio Servicing, LoanCare (Lakeview), and PNC — publish a payoff request fax, which creates a dated paper trail that is ideal for closings. Others — like U.S. Bank, Wells Fargo, M&T, Truist, and Fifth Third — do not accept payoff requests by fax and route you online or by phone instead. Each servicer page here documents the channels that are actually official.

We only publish a fax number, address, or phone number when we confirmed it on the servicer’s own official website (or an official PDF), and we date every page with when we verified it. Many aggregator sites list fax numbers we could not confirm on the servicer’s site; where a servicer does not publish a payoff fax, we say so honestly rather than repeat an unverified number.