Service Notice
Hello GreenPoint Mortgage Inquirer,
We are not affiliated with GreenPoint Mortgage Corp. However, because of the similar name, we continue to receive inquiries about the former mortgage finance company. Yet, as a former net branch mortgage broker for Carteret Mortgage, we processed loans through GreenPoint Mortgage. As such, we have assembled the following information, hoping that it will help you resolve your current mortgage concern.
Background
GreenPoint Mortgage Corporation was a major national mortgage lender specializing in subprime, Alt-A, and no-documentation (no-doc) mortgage products. It was also a subsidiary of GreenPoint Financial Corp., which North Fork Bancorporation acquired in 2004 for approximately $6.3 billion. In December 2006, Capital One Financial Corporation acquired North Fork.
The Subprime Mortgage Crisis
Following the subprime mortgage crisis, declining demand, increasing defaults, and significant disruptions in the secondary mortgage market adversely affected the wholesale mortgage-lending business.
Capital One subsequently discontinued the GreenPoint Mortgage business in 2007. Following the closure, Capital One retained or transferred certain accounts and sold or otherwise transferred other loans to third parties, including securitization trusts.
As a result, some legacy GreenPoint Mortgage records and liens may require additional research to determine the current holder or custodian of the applicable loan documents.
Resolving Related Issues
If you, the property owner, or another party is trying to sell, transfer ownership, or otherwise clear the title, you may need a release of mortgage or other recorded security interest to complete the transaction.
Contacting the Legacy Custodian
Because Capital One acquired North Fork, which previously acquired GreenPoint, Capital One may be able to help identify or address certain legacy GreenPoint mortgage records and lien-release matters.
Recommended Process
The property owner, title company, or other authorized party attempting to resolve the matter should contact Capital One's residential lien-release department at Residentiallienrelease@capitalone.com. The request should include a copy of the recorded title or Deed of Trust, any known assignments or related recorded documents, and documentation showing the underlying account was paid, satisfied, closed, or otherwise resolved, if available.
If the original loan documentation is unavailable, the requesting party should still provide as much identifying information as possible, including the borrower's name, property address, loan or account number, and any recorded lien information. Capital One may then be able to research its legacy records and determine whether it can issue the appropriate lien-release documentation, such as a UCC-3 termination statement or satisfaction/release of lien.
We hope this information provides you with a useful starting point for resolving the matter with your property.
Regards,
Sandy Chung - Operations Manager
GreenPointe Financial
Doc Updated: 09.25.2026
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