Ownership and transfers

  • On February 11, 2026, Pennymac agreed to buy Cenlar's subservicing business. Pennymac's quarterly report calls it a pending purchase, expected to close in the second half of 2026, subject to regulatory approvals. Source: sec.gov, cenlar.com, checked Sep 30, 2026
  • Cenlar services loans for banks, credit unions, mortgage companies and other financial institutions. Source: cenlar.com, checked Sep 30, 2026

These are the companies' dates, not a date for any single loan. Your mortgage statement shows who services your loan now.

Customer service 1-800-223-6527 For questions about your account and payments. Source: Cenlar FSB, checked Sep 29, 2026
Help if you're behind 866-300-8154 The line Cenlar FSB lists for homeowners having trouble paying. Source: Cenlar FSB, checked Sep 29, 2026
Where to mail a qualified written request PO Box 77423, Ewing, NJ 08628 A qualified written request is a letter asking about your account or pointing out an error. For most of these letters, federal rules give the company 30 business days to answer. How it works. Source: Cenlar FSB, checked Sep 30, 2026

Every number above is copied from Cenlar FSB's own site on the date shown. If one has changed, the number on your mortgage statement wins.

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Why there are no complaint numbers

The CFPB's database has fewer than 500 mortgage complaints filed under Cenlar FSB's own name. We build a complaint profile only for servicers with 500 or more. Some servicers work for other lenders, and a complaint about one of those loans can be filed under the lender's name instead.

Regulator actions

Orders, settlements and charges from state and federal regulators, each as the official source states it. Our list is curated, so it may not include every action.

Oct 26, 2021 Office of the Comptroller of the Currency

Consent order: the OCC found Cenlar FSB's internal controls and risk management did not support the size and risk of its mortgage subservicing portfolio. The OCC ended the order on April 8, 2026.

Know Your Rights with Cenlar FSB

File a CFPB Complaint

If Cenlar FSB is mishandling your mortgage, file a complaint with the CFPB.

Send a Qualified Written Request

Under RESPA § 6, you can demand Cenlar FSB provide written answers about your account. Response deadline: generally 30 business days. Read how a qualified written request and a notice of error work.

Get Free Housing Counseling

A HUD-approved housing counselor can review Cenlar FSB's actions on your account, help you negotiate, and guide loss mitigation options — at no cost.

Find Legal Aid

If Cenlar FSB is violating federal servicing rules, a legal aid attorney may represent you for free. Document all communication.

Disclaimer: This information is provided for informational purposes only and should not be construed as legal or financial advice.

Frequently Asked Questions

What is Cenlar FSB's phone number?

Cenlar FSB customer service: 1-800-223-6527. Help if you're behind: 866-300-8154. Every number comes from Cenlar FSB's own website. If one has changed, the number on your mortgage statement wins.

Why does this page have no complaint numbers?

The CFPB's database has fewer than 500 mortgage complaints filed under Cenlar FSB's own name. We build a complaint profile only for servicers with 500 or more. Some servicers work for other lenders, and a complaint about one of those loans can be filed under the lender's name instead.

Related

Behind on a Cenlar FSB mortgage? Tell me what's going on.

Answer a few quick questions and I'll connect you with someone who can help where you live. It's free.

Step 1 of 4

Tell me about your situation

Select all that apply.

It's free. I don't sell your information, and no one pays me for your request. I share your details only with the one attorney, agent or provider I connect you with. Privacy · Prefer to call? (888) 602-4161

Ask a question about Cenlar FSB

General information, not legal advice.