Equal Credit Opportunity
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicant on the bases of race, color, religion, national origin, sex, marital status, age (providing 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 applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Home Mortgage Disclosure Act
The Home Mortgage Disclosure Act requires institutions to report loan data by lending transacted and acquired each year. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported to the institution’s primary regulator on an annual basis for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31.
To receive a copy of this information, send a written request to:
Change Lending, LLC
16845 Von Karman Avenue, Suite 200
Irvine, CA 92606
Equal Housing Lender
We proudly conform to the Equal Housing Lender requirements.