Cenlar FSBReviews of cenlar.com

The absolute worst. I hate text alerts about something that I'm working on with email. Cenlar sends a text alert when insurance information is sent with the language "Reply STOP at any time to unsubscribe." If you reply "STOP," you get a message that says "Sorry, this service is not available" and the text messages continue. I have tried this repeatedly. This is a violation of the law. Companies are legally required to stop sending texts after we reply "STOP" under the federal Telephone Consumer Protection Act (TCPA). We have the right to cancel our consent to receive automated marketing messages at any time. Additionally, Cenlar sent me a notice on 7/10/26 letting me know my homeowners insurance is expiring soon. Odd, since it's paid out of escrow. On 7/23/26, they finally paid the bill, due on 7/25/26, but now they have a message that says I'm late and I can't get the dec page because they didn't pay my insurance on time. This so much more screwing around than I've ever had to do with any other servicer, and these are just the 2 most recent experiences that were finally enough to leave this review. I'm so over it. I am literally leaving the credit union where I've banked for 20 years over their decision to select Cenlar as the servicer, so beware other FIs. If you're thinking about using them, it will almost certainly cost you members.

Most frustrating ..... errors all the time and no one to talk to. Even their chat says they cannot help! I paid insurance .... they refunded it.... then hit me with all kinds of stuff because it was not PAID ;-0 I was online then on the phone for over an hour; transferred, given new phone numbers, etc. and still not resolved!

If zero was an option, that is what Cenlar deserves. Cenlar is the worst servicer with terrible customer service. They are incompetent and recommended we refinance to fix the issue their servicing system created. Our first payment was June 1, and their recommendation is to refinance! Horrible, horrible system and people.

Absolutely criminal. Our loan was transferred to them and they lost not 1, but 3 mortgage checks and docked our credit scores by nearly 175 credit score points. I had excellent credit at 823 and went to buy a new car and can’t get a car loan because due to their complete negligence my credit score is now “fair.” This is absolutely criminal and wrong and we have filed reports with all credit bureaus and managing angencies. I promise you I will relentlessly pursue justice until this is corrected.

This company sucks. There isnt a single thing they are good at. Their service is slow, their agents are rude. its ABSURD that in 2026 they need WRITTEN and MAILED or EMAILED requests to do the simplest things, instead of having the live agent handle the problem with you on the phone. I am a mortgage professional and ALWAYS ADVISE clients to not use banks that have servicing with cenlar. And when i see a CENLAR statement, one of my biggest selling points is "never having to deal with them, it ALWAYS gets the client to commit to refinancing and leaving them. ALL FIRMS should look into cutting ties with CENLAR.

Incompetent Company - AVOID!! Zero stars. I refinanced my VA home mortgage with United Wholesale Mortgage, which outsources servicing to Cenlar FSB. That decision has been a nightmare I’m still living nearly 3 months later. From day one, Cenlar (through UWM) claimed my verified bank account was incorrect — the same account I verified through their own system. After multiple failed attempts and useless customer service calls, they froze my account and demanded certified checks. My bank issued them. They were delivered and confirmed delivery was two weeks ago. Cenlar has still done nothing with them. Every time I call to ask why they haven't been posted, I get some useless answer with absolutely no assistance. I have begged to send wire transfer or any verifiable payment that does not rely on this useless company to take action- they have refused every time. In the meantime, they have assessed over $500 in late fees for a delinquency that is entirely their own creation, and they have now reported my account to the credit bureaus as delinquent, dropping my credit score by more than 100 points— for payments I have been actively trying to make since day one. Customer service has been completely useless at every level. No one takes ownership, no one escalates, and nothing gets resolved. I have now filed formal complaints with the CFPB, the VA Loan Guaranty Service, and all three credit bureaus, and I have submitted a Qualified Written Request under RESPA. If you are a veteran considering UWM for a VA loan, understand that Cenlar is who will actually be handling your mortgage — and their track record speaks for itself.

The Worst!!!!! I wanted to give them zero stars. My March mortgage statement payment due only had "interest" due as a payment due. Which was a lot less than what my total monthly payment usually is. It usually has a total due with interest and principal combined. I called and spoke to several people. Couldn't get an explanation on why. I ended up paying over the phone with a representative and paid the interest that was due plus add'l to be applied towards my principal. Well, 5 days later I noticed the funds were never withdrawn my bank account. Mind you in just 3 days my payment would of be considered a "late" payment. I called back and again spoke with several people until I was in contact with someone who still couldn't explain why I was only being charged interest only for the month. She looked into why my funds were not withdrawn from my account when I paid over the phone a week prior and informed me someone in the accounting dept "rejected" my payment. WHAT!!! WHY?! She did not know why it was rejected. She took my payment yet again over the phone. The funds were withdrawn from my account this time. I now received my April mortgage statement in the mail the other day. I have an issue yet again. This time it states the $ I paid in March is a "partial/unapplied payment"... Whatever that means. Also, it shows a "past due" amount which is the interest only that was due in March and for April they are only charging interest only again. Meanwhile in March, I paid the amount due plus some to be applied to the principal. They have March interest and April interest combined as the payment due for April. I called to hear what the automated system would tell me is due (which I've done for several years and payover phone) and it's telling me I only owe $$$ which is the interest only for April. Why does the statement I received in mail show me the total due is the interest from March and now April interest for a combined payment due???? I am so confused!! So, what did they do with all the $$ I paid for March? This company totally and utterly sucks! If this goes to the credit bureau I will lose my mind on them. I have outstanding credit and if this damages my credit, I will consider hiring a mortgage attorney. Seems like there are some shady things going on with Cenlar.

Horrible customer service. Like other reviewers said, they are working in 20th century tech. They said the sent me a letter about a late payment (I had an issue with the account they were pulling payment from). Get an app with notifications, send an email, give customers a way to fix issues before getting a credit hit they can't reverse! If you get a loan from a major bank and they put it under Cenlar, I highly recommend seeing if you can have it changed. Not worth the headache.