"So far, no one has been able to help me out. "
I can tell you right now, for an absolute fact, you're being fed a line of B.S. Apparently, all the places you enquired with for the HUD-1 statement are just flat out lazy, or else their extremely unintelligent. I will guarantee you that the bank has a copy of that HUD-1. They're required to have it for so long as the loan is active, by federal law. If they don't have it, then they have no basis to foreclose on the property if you just stop paying for it. Without that HUD-1, they have no proof of basis to remain as a lienholder on the property's deed/title. So I guarantee you they have it.
Now more than likely, it's not at the local office where you are physically going to, or where you actually went to apply for and acquire the loan. It's on file at the home office, wherever that may be. You can contact them and they will send you a copy, and you can expect to pay a small fee for that too. Remember, you were provided a copy at the closing, you lost it and now want a replacement. They're generally happy to oblige the request, but you should not expect it to be free.
