DISCLOSURES
 

In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:

• Home Mortgage Disclosure Act
• Equal Housing Opportunity Lender
• The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
• Equal Credit Opportunity Act Fair Lending Notice
• Special Notices

Home Mortgage Disclosure Act (HMDA)

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications, income of applicants and borrowers, and information about loan approvals and denials. Race and gender information will be collected in 2003 and available for review in 2004.

Equal Housing Opportunity Lender

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.

• In the sale or rental of housing
• In advertising the sale or rental of housing
• In the financing of housing
• In the provision of real estate brokerage service
• In the appraisal of housing
• Blockbusting is also illegal

The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of:

• Trends, characteristics, or condtions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case

 
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