CitiMortgage
Last verified September 16, 2026
CitiMortgage is a mortgage lender. Use the mortgagee clause below to list CitiMortgage correctly on a homeowners insurance policy.
Mortgagee Clause
CitiMortgage ISAOA/ATIMA
Contact
Source: citi.com.
Mailing Address
PO Box 81300Atlanta, GA 30366
Additional Notes
Citi exited most third-party mortgage servicing in 2017-2018; retained loans are subserviced by Cenlar FSB. This address could not be independently confirmed against a current official Citi source — verify against the borrower's most recent mortgage statement before relying on it for a policy binder.
Understanding Your Mortgagee Clause
A mortgagee clause is the exact wording your homeowners insurance policy must carry so that if the property is damaged, your lender's financial interest is protected alongside your own. It has three parts: the lender's legal name, the ISAOA/ATIMA designation, and the lender's mailing address for insurance correspondence — all three need to match what the lender has on file.
ISAOA stands for "Its Successors and/or Assigns." ATIMA stands for "As Their Interests May Appear." Together they mean that if your loan is later sold or transferred to another company — which happens often in the mortgage industry — your policy's protection automatically follows the loan to its new owner, with no need to update the policy yourself.
Getting the clause wrong is more than a paperwork issue: an insurer that can't match your policy to your lender's records may flag it as lapsed, which can trigger lender-placed (and usually far more expensive) coverage. If CitiMortgage has sold or transferred your loan since your policy was written, double-check the clause above against your most recent mortgage statement before renewing.