Equal Credit Opportunity Act (ECOA)

Prohibits discrimination in lending based on protected characteristics.

Loan Lock Home Loans (NMLS ID #390320) is committed to fair lending practices and complies with the Equal Credit Opportunity Act (ECOA). We do not discriminate against any applicant 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), receipt of income from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

We evaluate all loan applications based on objective criteria, including creditworthiness, income, assets, and debt obligations. We do not consider factors unrelated to creditworthiness, such as assumptions about an applicant's likelihood of bearing or rearing children.

If you believe you have been discriminated against in the mortgage application or lending process, you have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Department of Housing and Urban Development (HUD).

For further information on your rights under ECOA, please visit the CFPB website or contact HUD.

Office to File Complaints

• Consumer Financial Protection Bureau (CFPB)

Contact Information

• Website:

  https://www.consumerfinance.gov/complaint/

• Phone:

  (855) 411-CFPB (2372)

• Mail:

  Consumer Financial Protection Bureau, P.O. Box 4503, Iowa City, Iowa 52244

Additional Information

You can also file a complaint with the Department of Housing and Urban Development (HUD) if you believe you have been discriminated against on the basis of race, color, religion, national origin, sex, disability, or familial status.

U.S. Department of

Housing and Urban Development

451 7th Street, S.W., Washington, DC 20410

T: 202-708-1112

TTY: 202-708-1455