Welcome to Health Care Magic.
The clumpy lump of mucus in urine you are referring to might be of either urinary or genital in origin.
Firstly coming to urinary causes. It could be due to the shedding of bladder epithelium ( Likely possibility in your case)or due to proteins
and fat in urine ( Unlikely in your case as these would definitely result in various symptoms)
Coming to Genital conditions, it could be due to normal cervical secretions ( Likely possibility in your case)or glandular secretions or any genital infection( unlikely cause in your case they they are often foul smelling. You have not mentioned anything about fever
or pain abdomen or vulval itching. I guess you dint have any such symptoms. If my guess is right it might not be due to infection.
Finally i would favor the possibility of bladder epithelium and normal cervical secretions being the most common possibilities in your case.
But anyways to rule out other possibilities a complete urine examination must b done
wish you good health