my Lender is out of business.

https://www.consumer.ftc.gov/articles/0191-if-your-mortgage-lender-or-servicer-closing-or-bankruptcy

Try checking with the county recorders office to see if an "Assignment of Mortgage" or "Assignment of deed of trust".. has been filed against your property or loan. if there was, then the company/business it was assigned to will be listed there on the document and you should be able to contact them. If the company just went out of business, then they would have sold the loan off prior to closing.. If they filed for Bankruptcy, then that's a whole different thing.. But I would start with the county recorders office. Another place you can try is the title company who closed your loan. They know how to look and search for the info, and typically will do it for free, or maybe a small charge of a few hundred dollars. Regardless, you are still obligated to make the payments on time.. If you cannot locate the new servicer, then I would start a new savings account and deposit enough funds to cover the unpaid payments, and then continue to transfer funds sufficient to make up the back payments once the loan finds it's new servicer. But one thing I know for sure.. in the absence of this old lender, it does not relive you of the outstanding balance.. someone will come looking for their money. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893

Oh boy... Eventually this will get figured out, and somebody is going to come looking for money. So in the meantime while you are trying to figure this out, be sure to be putting the normal monthly payment into an account somewhere.

You have a note and a servicer. Please remember, you signed loan documents for a loan, promising to repay, in front of a witness (notary public) and have been making payments (history). Just because the Bank went out of business doesnt give you a free pass to stop making the payments.I say this as a help to you, and my intention is purely to ensure you dont get blindsided or harmed financially..Ive seen it too many times to count. It sucks and I am sorry you are going through this unnecessary drama.With that said, I would strongly recommend you call your Servicer (phone number would be on your last Mortgage Statement)....if that number is disconnected, google them (just like this forum exists, there probably are alot of other people who may be in the same situation as you)....call your loan officer who initially helped you, you can find that info on NMLSCONSUMERACCESS.ORG by just typing her/his name. Nevertheless, dont stop making payments. Send them in, even if you get return to sender so there is evidence to support you when they finally come to collect. Hope this helps :)

try researching the bank closing a little ...eg...google the bank ....you will likely find something that references who will be taking over the servicing of the loans ...you might ask any other people you know in the industry for assistance ( realtor / banker / escrow firm )