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FourLeaf Federal Credit Union Mortgage Review 2026
Last updated on May 29, 2026
Written by
Lead Writer & Content StrategistCo-written by
Contributing EditorWritten by
Lead Writer & Content StrategistCo-written by
Contributing EditorMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
5.0
Home loans overall
NerdWallet rating
The Nerdy headline:
FourLeaf, formerly known as Bethpage, offers some specialty loans, like financing for co-ops and nonwarrantable condos, with the community-minded spirit of an easy-to-join credit union. While the full mortgage application is available online, preapproval is not. Most likely to appeal to borrowers in New York state who can benefit from local branches and first-time homebuyer grants.
Jump to:Full Review
FourLeaf Federal Credit Union: NMLS#449104
Min. credit score
620
Min. down payment
3%
Loan types and products
Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA
Pros
- Specialty loans include financing for co-ops and nonwarrantable condos.
- Average APRs are more competitive than other lenders reviewed by NerdWallet, according to the latest federal data.
- Provides up to $30,000 in grant assistance through its Homebuyer Dream Program.
Cons
- Doesn’t offer renovation, construction or ITIN loans.
- Preapproval is not available online.
- Bank’s mobile app lacks mortgage features.
Full Review
At a glance: FourLeaf mortgage options
FourLeaf Federal Credit Union is a credit union based in Bethpage, New York. Residential mortgages and HELOCs are not available in Texas; otherwise, loans are available nationwide.
Before getting a mortgage with FourLeaf Federal Credit Union, you must become a member, which you can do by opening a checking or savings account online.
🏠 Common mortgages
• Conventional loans (fixed-rate and adjustable)
• FHA
• VA
• Jumbo
• Rate-and-term refinance
🔑 Specialty loans
• Interest-only mortgages
• Co-op financing
• Nonwarrantable condos
• Loans for second homes
• Loans for self-employed borrowers
• Non-QM loans
💵 Home equity
• HELOC
• Cash-out refinance
FourLeaf Federal Credit Union mortgage special offers and discounts
FourLeaf participates in the Homebuyer Dream Program through the Federal Home Loan Bank of New York, which provides grant assistance up to $30,000. To be eligible, home buyers must meet income and other qualifications and purchase a home in a U.S. state or territory.
What mortgages does FourLeaf Federal Credit Union specialize in?
A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages FourLeaf handles most often. In 2024, all but 5% of its purchase loans were conventional — a larger share than most lenders reviewed by NerdWallet.
How we score FourLeaf's home loans
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
FourLeaf Federal Credit Union earned a 5-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Good
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Average
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Good
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Average
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Good
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored FourLeaf's home loans. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
FourLeaf Federal Credit Union mortgage reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from Zillow, and we contacted the lender’s customer support.
Zillow Mortgage Lender Customer Rating
4.91
out of 5
Excellent rating as of the date of publication.
Rating reflects more than 250 customer reviews, which is low for Zillow.
FourLeaf Federal Credit Union mortgage customer service options
Here’s how you can get in touch with FourLeaf. Branches are limited to the Long Island and New York City area. You can also schedule an appointment or video call.
Ways to reach FourLeaf Federal Credit Union
Physical branches . . . . . . ✅
Phone support . . . . . . . . . ✅
Mobile app . . . . . . . . . . . . 🚫
Online chat (bot) . . . . . . . ✅
Online chat (human) . . . . ✅
🤓 Our Nerds say... offerings have improved
Abby Badach Doyle, lead writer, mortgages
This year, we noticed FourLeaf now offers online chat with a live agent — something they haven’t offered in the past. Online chat is becoming more common among the mortgage lenders we review. It’s always a good sign when a lender invests in improving its technology.
» MORE: How to apply for a mortgage
Alternatives to FourLeaf Federal Credit Union mortgages
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
Andrews Federal Credit Union has some of the lowest average APRs of all lenders NerdWallet reviews, according to the latest federal data.
Alliant Credit Union offers the Alliant Advantage Mortgage Program for first-time home buyers, with zero down payment and no private mortgage insurance (PMI) required.
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.