My Mortgage Is With Who Now? A Confusing Experience With FourLeaf Federal Credit Union and Cenlar

If you have a mortgage with FourLeaf Federal Credit Union (formerly Bethpage FCU), you might want to know who’s actually servicing it. What I thought was a simple rebrand turned into a strange customer service experience.

It started a few months ago when FourLeaf sent out a notice that they’d be updating their mortgage servicing. Okay, fine. Companies change systems all the time. The message was vague but gave the impression that everything would still be handled in-house under the FourLeaf name.

Then things got weird.

First, I noticed that the tax disbursement records in my online account were wrong—past payments looked off, and future ones didn’t line up. That’s not something you want to see when you’re relying on escrow to handle your property taxes. I had receipts, so I wasn’t panicking, but I called to get clarity.

The person I spoke with said they were from FourLeaf’s mortgage division. Based in New Jersey, they claimed. Seemed plausible enough. But the answers I was getting were murky, and their access to basic account history was limited.

I ended up ignoring the issues with the presentation of the property tax payments when I got confirmation the correct amounts were actually paid on time and the escrow balance looked correct.

I got a follow-up call recently, supposedly tied to some earlier conversations that were apparently marked unresolved.

The rep started talking about needing information from “the previous company.” I stopped her and asked directly, “Do you work for FourLeaf Federal Credit Union?” She said, “Sort of… I work for Cenlar. We work with FourLeaf.”

Sort of?

After a month plus of being told (several times) my mortgage was serviced internally by FourLeaf, I find out it’s actually being handled by Cenlar, a completely separate loan servicing company. I don’t think that’s a small detail. That’s a major change in who’s managing one of my largest financial obligations.

The lack of transparency here is what really bothered me. If FourLeaf had simply said, “We’re now partnering with Cenlar to service all mortgages,” I wouldn’t have been thrilled, but at least I’d have known what was going on. Instead, the messaging made it sound like nothing had really changed except the name on the letterhead.

The bottom line? If you’re a FourLeaf mortgage customer, be aware that your loan is now handled by Cenlar, even if no one clearly told you that. Double-check your statements and monitor your escrow activity.