What are Servicers?

Servicers are the servicer contacts associated with a loan. They are exposed through the servicers field on a Loan, which returns a list of Contact records. A servicer contact represents the company (and, where known, the individual) responsible for servicing the loan — collecting payments, managing escrow, and handling borrower communication after closing. Every servicer contact is a Contact record with its role set to SERVICER. The same Contact shape is used across the API for other roles, so the role field is what distinguishes a servicer contact from other kinds of contacts on a loan.

On each Contact, only id is guaranteed to be present. Every other field — including role, firstName, companyName, email, and the entire address object — can be null. Always code defensively and treat every non-id field as optional. A loan with no servicer contacts returns [].

Why does the servicers list exist?

Loan servicing is handled by one or more parties whose contact details a consuming application frequently needs to display or route to. Exposing servicers as a list of Contact records on the loan lets you:

Identify the servicer - Read the company and individual name parts to show who is servicing the loan.
Contact the servicer - Use the validated email and phoneNumber fields to reach the servicer.
Verify licensing - Read the company and individual license number and issuing state where compliance requires it.
Locate the servicer - Use the nested address object for mailing and correspondence.

Nullability

Within each Contact, the only field guaranteed to be present is id. Every other field — name parts, company, contact details, licensing, and the entire nested address — may be null. Implications: Never assume a field is populated. Guard against null on every field you read, and be prepared for a Contact that contains nothing but an id.

Do not build required logic on any non-id field. Because only id is guaranteed, a servicer Contact may arrive with a null companyName, email, role, or address. Rendering and routing must degrade gracefully when a field is absent.

Querying servicers

query LoanServicers($loanId: ID!) {
  loan(id: $loanId) {
    id
    servicers {
      id
      role
      firstName
      middleName
      lastName
      companyName
      email
      phoneNumber
      companyLicenseNumber
      companyLicenseState
      individualLicenseNumber
      individualLicenseState
      address {
        line
        line2
        city
        state
        zipCode
        country
      }
    }
  }
}

Contact fields

Each entry in Loan.servicers is a Contact. Servicer contacts have role: SERVICER.

Field	Type	Description
`id`	ID (always present)	Contact identifier — the only guaranteed field.
`role`	enum	`SERVICER` for servicer contacts.
`firstName`	String	Contact name part.
`middleName`	String	Contact name part.
`lastName`	String	Contact name part.
`companyName`	String	Company the contact is from.
`email`	String	Email (validated).
`phoneNumber`	String	Phone (validated US).
`companyLicenseNumber`	String	Company’s license number.
`companyLicenseState`	enum	State that issued the company license.
`individualLicenseNumber`	String	Individual’s license number.
`individualLicenseState`	enum	State that issued the individual license.
`address`	object	Nested address (below).

Nested `address`

The address object and all of its fields are nullable.

Field	Type	Description
`line`	String	Street address.
`line2`	String	Street address, second line.
`city`	String	City.
`state`	enum	State.
`zipCode`	String	ZIP code.
`country`	enum	Country.

Key concepts to remember

Servicers are Contact records with role SERVICER

Loan.servicers returns a list of Contact records. The role field is set to SERVICER, which is how a servicer contact is distinguished from other contacts that share the same Contact shape.

Only id is guaranteed

Within each Contact, only id is guaranteed to be present. Every other field, including the entire nested address, can be null. Code defensively.

For more information on related entities, see the GraphQL API Reference:

Loan - The loan whose servicers field exposes the servicer contacts.
Contact - The record type returned for each servicer; servicer contacts have role: SERVICER.

GET STARTED

EXAMPLES

ELEMENTS

CORE ENTITIES

Servicers

What are Servicers?

Why does the servicers list exist?

Nullability

Querying servicers

Contact fields

Nested `address`

Key concepts to remember

​What are Servicers?

​Why does the servicers list exist?

​Nullability

​Querying servicers

​Contact fields

​Nested address

​Key concepts to remember

​Related entities

What are Servicers?

Why does the servicers list exist?

Nullability

Querying servicers

Contact fields

Nested `address`

Key concepts to remember

Related entities