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 is derived from a public assistance program; or because the applicant has in good faith exercised any rights under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. 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.
Under ECOA, we will ask you to confirm your intent to apply jointly for credit if you wish to have a co-borrower.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer. What this means to you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a valid form of identification; including, but not limited to your driver’s license or other identifying documents; including, but not limited to:
Other forms of identification may be acceptable in certain situations
Figure: 7 TAC §56.200(c)
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
| State | Licenses |
|---|---|
| Alabama | Alabama Consumer Credit License / Registration #23136Alabama State Banking Department |
| Delaware | Lender License/Registration # 020001Delaware Office of the State Bank Commissioner |
| Florida | Mortgage Lender License/Registration # MLD176Mortgage Lender Servicer License/Registration # MLD1359Florida Office of Financial Regulation |
| Georgia | Mortgage Lender License/Registration # 44971Georgia Department of Banking and Finance |
| Indiana | Indiana Department of Financial Institutions (DFI)Indiana-DFI Mortgage Lending License |
| Kentucky | Mortgage Company License/Registration # MC321520Kentucky Department of Financial Institutions |
| Maryland | Mortgage Lender License/Registration # 19402Maryland Office of the Commissioner of Financial Regulation |
| North Carolina | Mortgage Lender License/Registration # L-111843North Carolina Commissioner of Banks Office |
| New Jersey | New Jersey RMLA-Licensed Mortgage Servicer RegistrationNew Jersey Residential Mortgage Lender LicenseNew Jersey Department of Banking and Insurance |
| Pennsylvania | Pennsylvania Department of Banking and Securities License Number 98700Pennsylvania Mortgage Servicer License License Number 98770Pennsylvania Mortgage Lender License |
| South Carolina | Mortgage Lender / Servicer License #MLS – 72043Mortgage Lender / Servicer License- Other Trade Name #2 #MLS-720343 OTN #2South Carolina Consumer Finance Division of the Board of Financial Institutions |
| Tennessee | Mortgage License #110358Tennessee Department of Financial Institutions |
| Texas | Mortgage Company License #72043Residential Mortgage Loan Servicer Registration #72043Texas Department of Savings and Mortgage Lending |
| Virginia | Broker License #MC-936Lender License #MC-936Virginia Bureau of Financial Institutions |
| Washington, D.C. | District of Columbia Department of Insurance, Securities and Banking License Number MLB72043District of Columbia Mortgage Lender License |
| West Virginia | Mortgage Lender License #ML-30542West Virginia Division of Financial Institutions |