FourLeaf Federal Credit Union Mortgage Review 2026

FourLeaf Federal Credit Union, formerly Bethpage Federal Credit Union, has been in business since 1941 and is the largest credit union in New York, where the lender is headquartered. It’s relatively easy to join — simply open a $5 savings account. The credit union offers attractive rates plus banking services, but it only provides some types of mortgages. If you’re looking for a no-down payment USDA loan, you’ll need to go elsewhere. The FourLeaf website also features a range of calculators and educational content for homebuyers.

Pros and cons of FourLeaf Federal Credit Union

Affordability: 4.9 stars

Because FourLeaf offers transparency and competitive rates, it scored close to a 5 out of 5 stars in this category.

• Interest rates: FourLeaf Federal Credit Union's website lists current rates for all of its mortgage programs and updates them daily. FourLeaf’s mortgage rates tend to be lower than Bankrate’s national average mortgage rates. You can lock your rate for free for up to 60 days.
• Down payment: Down payment requirements vary by loan type. Typically, conventional loans require a minimum 3 percent down payment, while FHA loans require at least 3.5 percent down. VA loans do not require any down payment. Jumbo loans typically require a higher down payment. 
• Fees: If you need to extend your rate lock beyond 60 days, you’ll be subject to a fee equal to 0.125 percent of the loan amount for every 10 calendar days, up to 30 calendar days. The credit union also offers a float-down option that costs 0.375 percent of your loan principal for each 0.125 percent cut to your rate. The credit union doesn’t disclose its other loan fees online, however; you’ll need to talk to a loan officer to learn what might apply to your mortgage. 
• Closing costs: Getting a mortgage involves paying closing costs, but the exact amount depends on the loan amount, the loan type you choose and your location, among other factors. These costs typically total between 2 and 5 percent of the loan amount. 

Availability: 5 stars

Because this lender offers a variety of loans across most of the country — and you can apply online or in person — Bankrate scored FourLeaf a perfect 5 out of 5 stars for availability. 

• Home loans offered: The credit union offers some of the most popular mortgages, including conventional loans and FHA loans. It also features 10-, 15-, 20- and 30-year fixed-rate loan term options. In addition, you can refinance your current mortgage with the credit union or take out a home equity line of credit (HELOC). 
• Footprint: FourLeaf Federal Credit Union originates mortgages in all U.S. states except Texas. 
• Where to find: With FourLeaf, you can apply online or in person at a branch location.

Borrower experience: 4.7 stars

Because of its rate transparency, multiple contact methods for customer service and its online portal to track your application status, FourLeaf Federal Credit Union gets 4.7 out of 5 stars for borrower experience. 

• Application and preapproval process: You can apply for both a prequalification and mortgage online by answering a few questions. After that, you'll need to wait for a credit union representative to contact you to continue the process. Once you submit your application, you can monitor progress via the credit union’s online borrower portal. You don’t need to be a FourLeaf Federal Credit Union member to apply for a mortgage, but you do in order to get a mortgage. It only takes a few minutes: You simply have to open a $5 savings account. 
• Transparency: FourLeaf shows its rates online so you can easily compare loan types, loan terms and lenders.  
• Customer service: You can get in touch with the lender by phone, online form, email or text message. If you prefer in-person interactions, you can visit a local branch. FourLeaf’s mortgage servicing department is available at 1-855-306-2295 Monday to Friday from 8 a.m. to 5:30 p.m. ET. 

FourLeaf is an active lender with a strong reputation. It’s subject to oversight by credit union regulators and mortgage regulators. FourLeaf is accredited by the Better Business Bureau and has an A+ rating from the organization. The credit union also gets a "great" rating on the review site Trustpilot, with more than 170 reviews.