Disclosures

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977. FAIR LENDING NOTICE

It is 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, or 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 a one‑to‑four unit family residence 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 the Bureau of Real Estate at one of the following locations:

1651 Exposition Boulevard
Sacramento, CA. 95815


P.O. Box 137000 (Mailing address)

Sacramento, CA. 95813-7000


1350 Front Street. Suite 3064
San Diego, CA. 92101-3687

2550 Mariposa Mall, Suite 3070
Fresno, CA. 93721-2273


320 W. 4th Street, Suite 350
Los Angeles, CA. 90013-1105

1515 Clay Street, Suite 702
Oakland, CA. 94612-1462

If you have any questions about your rights, or if you wish to file a complaint contact the management of this financial institution or the Department of Business Oversight at one of the following locations:

Department of Business Oversight
300 South Spring Street, Suite 15513
Los Angeles, CA 90013


Department of Business Oversight
320 West 4th Street, Suite 750
Los Angeles, CA 90013


Department of Business Oversight
1515 K Street, Suite 200
Sacramento, CA 95814-4052


Department of Business Oversight
1810 13th Street
Sacramento, CA 95811


Department of Business Oversight
45 Freemont Street, Suite 1700
San Francisco, CA 94104-2219


Department of Business Oversight
One Sansome Street, Suite 600
San Francisco, CA 94104-2219


Department of Business Oversight
1350 Front Street, Suite 2034
San Diego, CA 92101-3697


Department of Business Oversight
7575 Metropolitan Drive, Suite 108
San Diego, CA 92108


EQUAL CREDIT OPPORTUNITY ACT 


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 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 this company is the:


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.

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 likelihood of consistent payment as we do with any income on which you are relying to qualify for the loan for which you are applying.