Cenlar FSB Anmeldelser 

If I could give 0 stars I would. This mortgage company is absolutely TERRIBLE!!! Our first mortgage payment was due 10/1. I do the payment online a day before 9/30 then a week goes by & the money isn’t withdrawn from the bank account. I call, apparently the issue was my bank & that I “messed up” on my account number which was FALSE. Then I was told the whole issue was my bank which was a LIE!!! I redo the payment through the phone with a representative & the same issue happens. Another week goes by and the money was reversed. I call again & the representative was very rude & hung up on me. I call again explaining the same issue & I get told they are going to put it in the system & to call back Thursday if the money isn’t withdrawn. Thursday comes, no money is withdrawn. Have to call once again a 4th time. Payment still isn’t completed. This company is absolute crap.

Yeah, first payment on new mortgage refi - payment shows as paid on 9/1 with sufficient funds in SoFi chking. Payment 'reversed' via Cenlar due to " a technical error, call Monday to correct." Then I had the pleasure of being read to about all the hardship options and foreclosure procedures. I pray this doesnt result in months of calls and correspondence to get a ding on my credit reversed.

Cenlar’s customer service and online portal is broken. We had a problem with our escrow analysis because Cenlar used the wrong property tax amount. After countless calls to customer service and more than a month of trying to get it corrected, they finally ran another analysis.

Now we have a problem with the amounts shown as due for the past few months because of that incorrect escrow analysis. I do not know how much longer I will have to keep calling to get their system corrected. This has affected my mental well-being, and we are losing both money and peace of mind dealing with this loan servicer.

I have another property with a different lender and have had no issues with that lender in six years. Based on my experience, I would warn others to be very cautious about a loan serviced by Cenlar. Their customer service and portal have made an already stressful problem much worse. Please avoid this servicer if you have a choice.

Cenlar’s customer service and online portal have been a mess in our experience. We had a problem with our escrow analysis because Cenlar used the wrong property tax amount. After countless calls to customer service and more than a month of trying to get it corrected, they finally ran another analysis.

Now we have a problem with the amounts shown as due for the past few months because of that incorrect escrow analysis. I do not know how much longer I will have to keep calling to get their system corrected. This has affected my mental well-being, and we are losing both money and peace of mind dealing with this loan servicer.

I have another property with a different lender and have had no issues with that lender in six years. Based on my experience, I would warn others to be very cautious about a loan serviced by Cenlar. Their customer service and portal have made an already stressful problem much worse. Please avoid this servicer if you have a choice.

⭐ **1 Star — Extremely Frustrating and Inconsistent Mortgage Servicing**

My experience with **Cenlar** has been incredibly frustrating, and their handling of my mortgage makes absolutely no sense.

Cenlar **ordered an appraisal on my property that came back at $330,000**. Based on that appraisal and my loan balance, my LTV was approximately **78%**. Cenlar accepted that valuation, **removed my PMI, and even issued me a refund check**.

However, when I subsequently requested that my **escrow account be closed**, Cenlar suddenly told me that my LTV was too high and gave me a completely different LTV calculation — despite the fact that THEY ordered the appraisal that had just been used to remove my PMI.

How can the same mortgage servicer accept an appraisal for one purpose and then seemingly disregard it when the customer requests something else?

I have repeatedly asked Cenlar to provide a clear written explanation showing **the property value, loan balance, and calculation they are using to determine my LTV for escrow removal**. Instead of getting a straightforward resolution, I have been given conflicting information and the runaround.

It became so frustrating that I ultimately filed a **formal federal complaint**, which was referred to the **Office of the Comptroller of the Currency (OCC)**.

I have excellent credit, have maintained my mortgage, and am simply asking Cenlar to apply its policies consistently and explain its calculations.

Mortgage servicing should not be this difficult. Customers should not have to spend hours making calls, escalating issues, and filing regulatory complaints just to get a consistent answer about their own loan.

Based on my experience, I would **strongly caution anyone whose mortgage is serviced by Cenlar to document everything, keep copies of every appraisal and correspondence, and verify every calculation they provide.**

I will gladly update this review if Cenlar corrects the issue and provides a reasonable resolution. Until then, **1 star.**

Terrible Company, bad customer service. We fully paid off our loan and were under the impression it was closed the day we paid it off. But they kept charging us annual fees for years afterwards despite us not using their services, and refused to close the loan until we paid off these additional fees despite already paying off our loan. I spoke with customer services and they apologized for not being more clear about our loan not being closed, but refused to budge even a penny on the massive amount due for a service we didn't use. Even though it was clear we weren't using it and assumed it was closed. No willingness to compromise in acknowledgment of the misunderstanding in any way. Don't ever work with this company, choose a company that cares about its customers and communicates more clearly.

I am extremely disappointed with my experience with Central Loan Administration and Reporting.

I changed the insurance policy on my penthouse in Florida and paid the new policy in full on April 30. Even though my mortgage includes an escrow account, I specifically contacted the insurance department and instructed them not to pay the insurance company because the premium had already been paid.

Despite those instructions, on July 23 I received an email and a letter informing me that $1,880.60 had been paid from my escrow account.

When I called to find out what happened, I was told the payment had been issued based on a request from my insurance broker, not the insurance company. Even more concerning, I was told they attempted to call the number on the request but received no answer—and still issued the payment anyway.

I find it unbelievable that a mortgage company would send nearly $2,000 from a customer's escrow account without properly verifying the request or confirming that payment was actually due.

To make matters worse, the representative I spoke with couldn't even tell me where the check was sent, and when I asked to speak with a supervisor, I was told that no supervisors were available.

I now have to spend my time trying to recover money that should never have left my escrow account in the first place.

This experience has raised serious concerns about the company's internal controls, security procedures, and customer service. If this is how escrow funds are managed, homeowners should be very concerned.

Based on my experience, I cannot recommend this company. If I had the choice, I would move my mortgage elsewhere.

I am extremely disappointed with my experience with Cenlar Loan Servicing. I received multiple calls and voicemails stating that it was urgent for me to contact them. Naturally, I assumed there was a serious issue with my mortgage.

After spending over 30 minutes on the phone and being transferred from one representative to another, I finally learned that the "urgent" matter was that my account supposedly had an outstanding balance of 3 cents because a payment had not been applied correctly.

I have automatic payments set up and recently made a payment that included my regular mortgage payment, interest, and an additional $3,000 toward my principal. It's unbelievable that a company would repeatedly call a customer, label the matter as urgent, and make them spend half an hour on the phone over a 3-cent discrepancy.

This could have been handled far more efficiently. Customers' time is valuable, and this experience reflected poor customer service and an inefficient process.

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.

This company lives in the 20th century. They are unable to change your address by any means other than a faxed request or written and mailed request with proof of ID. Their service agent, Justice was condescending and unhelpful. They have no way to talk to a real manager. Organizations who use this tactic are always avoiding accountability. I would recommend never having any association with this company. If anyone in leadership reads this, I would recommend a complete teardown of your customer service procedures because they are horrific.

This has to be the worst mortgage company, I believe they maybe associated with Citibank. Unprofessional and unknowledgeable employees. My escrow sent them the payoff for my loan, and I called ask them for a breakdown and my return of the overage sent to them. They could not provide me with what I was asking for. Then they said my check would be sent to me between 17 - 20 days. Why would it take that long to refund what's due to me???? The money was wired to them, which means the funds are good.

This is the worst mortgage company I have ever worked with. Customer service takes 10 minutes to get to a human, and that person is never helpful. I refinanced just to end my relationship with them.

The customer service at Cenlar is overwhelmingly inadequate. Their interactive voice response system is like being stuck in a maze in a cave in the dark-- it takes forever to reach a live person. One reaching a live person, the agents give roundabout answers that amount to being non-answers. Nobody seems to know basic math or understand things about mortgage loan servicing which is quite literally the topic they are there to discuss. I've spoken to agents that range from mildly rude to downright combative. Nobody truly wants to answer a question, let alone solve an actual problem, and it feels like they just want to get off the phone quickly. THE. WORST. CUSTOMER. SERVICE.