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The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of applications, our residential mortgages, home improvement loans, income of applicants and borrowers, and information about loan approvals and denials. For information on how to inspect the statement, please contact us at: 1717 S State College Blvd, Suite 260
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Equal
Housing Opportunity Lender |
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We conduct business in accordance with
the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It
is illegal to discriminate against any person because of race, color,
religion, sex, handicap, familial status, or national origin:
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination: 1-800-669-9777 (toll free), or 1-800-927-9275 (tdd), U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.
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The
Housing Financial Discrimination Act of 1977, California Fair Lending
Notice |
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It is also illegal to discriminate in
the provisions of or in the availability of financial assistance because
of the consideration of:
Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or Race, color, religion, sex, marital status, national origin, or ancestry. It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one- to four-unit family residence. If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or: Department of Corporations
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Equal
Credit Opportunity Act |
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The Federal Equal Credit Opportunity
Act prohibits creditors from discriminating against credit applicants
on the basis of race, color, religion, national origin, sex, marital status,
age (provided that the applicant has the capacity to enter into a binding
contract); because all or part of the applicant's income derives from
any public assistance program; or because the applicant has in good faith
exercised any right under the Consumer Credit Protection Act. The federal
agency that administers compliance with this law concerning the creditor
is:
Federal Trade Commission We are required to disclose to you that you need not disclose income from alimony, child support or separate maintenance payment if you choose not to do so. Having made this disclosure to you, we are permitted to inquire if any of the income shown on your application is derived from such a source and to consider the likelyhood of consistent payment as we do with any income on which you have replied to qualify for the loan for which you are applying. |