To address a missing mortgage loan agreement, first contact your mortgage servicer directly to request a duplicate copy. If the servicer cannot provide it, consult the closing attorney or title company involved in the original transaction, as they often retain records. If these steps fail, file a report with the Federal Trade Commission (FTC) and check credit reports for unauthorized activity. Legal disputes or identity theft could arise from missing documents, so prompt action is critical.

Missing mortgage loan agreements pose risks because they may lead to unresolved disputes over loan terms, payments, or ownership. Financial institutions and borrowers rely on these documents to verify obligations and resolve conflicts. The FTC’s 2023 Identity Theft Report highlights that 27% of identity theft cases involve financial fraud, often linked to stolen personal or financial documents. Similarly, the Consumer Financial Protection Bureau (CFPB) found that 5% of mortgage borrowers in 2022 reported issues with missing or incorrect documentation, delaying closings or triggering penalties. Proactive steps—such as requesting duplicates from trusted parties and reporting to authorities—mitigate risks by ensuring transparency and compliance. Data from the CFPB also shows that 1 in 20 borrowers faces document-related hurdles, emphasizing the need for systematic verification to prevent legal or financial harm.