State Laws Regulations

Commitment to Fair Lending & Housing

Loan Lock is dedicated to conducting business in a fair and ethical manner. We adhere to all applicable federal and state laws and regulations, including but not limited to:

Federal Laws & Regulations:

• Equal Credit Opportunity Act (ECOA): We do not discriminate based on race, color, religion, national origin, sex, marital status, age, etc.

• Fair Housing Act: We strictly prohibit discrimination in housing-related transactions.

• Dodd-Frank Act: We comply with provisions impacting mortgage lending and consumer protection.

• Other Federal Laws: We also follow TILA, RESPA, HMDA, and other relevant federal regulations.

State Laws & Regulations

• We are fully licensed and operate in compliance with the mortgage lending and advertising laws of each state where we conduct business. (See below for specific licenses)

• We actively monitor and adapt to changes in state-specific regulations to ensure ongoing compliance.

Our Practices

• Fair Treatment:

  We are committed to treating all applicants and borrowers fairly and consistently.

• Objective Criteria:

  We evaluate loan applications based solely on objective, credit-related factors.

• Transparency:

  We provide clear and accurate information about our loan products and services.

• Complaint Resolution:

  We have a dedicated process for promptly addressing any complaints or concerns.

Your Rights

If you believe you have been discriminated against, you can file a complaint with:

The Consumer Financial Protection Bureau (CFPB)

• Online:

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

• Phone:

  (855) 411-CFPB (2372)

• Mail:

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

The U.S. Department of Housing and Urban Development (HUD)

• Online:

  https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint

• Phone:

  (800) 669-9777

Your State Regulatory Agency (Contact information will vary by state)

We Value Your Trust

At Loan Lock, we're committed to providing a fair and equitable lending experience for all.

Specific State Licenses Held by Loan Lock (as of September 24, 2024):

Please note that this list may not be exhaustive, and you should always verify licensing information with the NMLS Consumer Access website.

• Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Idaho, Illinois, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, North Carolina, New Jersey, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin

Disclaimer

Loan Lock Loans is the Luxury Division of Loan Lock, NMLS #237507 located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Loan Lock does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms and conditions subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit: www.nmlsconsumeraccess.org.