State Licensing

Disclosures

Federal Equal Credit Opportunity Act Notice:

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 Protection Act. The federal agency, which administers compliance with this law concerning this creditor, is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.

California

An applicant, if married, may apply for a separate account. It is illegal to discriminate in the provision or availability of financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of any 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 by considering:

• 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. If you have questions about your rights, or if you wish to file a complaint, contact Vanderbilt Mortgage and Finance, Inc. or the California Department of Financial Protection and Innovation at 1-866-275-2677 or:

• 2101 Arena Boulevard

  Sacramento, CA

  95834

• One Sansome St.

  Suite 600

  San Francisco, CA

  94104-4428

• 300 S. Spring St.

  Suite 15513

  Los Angeles, CA

  90013-1259

• 320 West 4th Street

  Suite 750

  Los Angeles, CA

  90013-2344

• 1350 Front St

  Room 2034

  San Diego, CA

  92101-3697

• 7575 Metropolitan Dr.

  Suite 108

  San Diego, CA

  92108-4421

Illinois

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

Illinois Department of Financial and Professional Regulation - Division of Banking
555 W. Monroe Street, Suite 500 Chicago, IL 60661
1-888-473-4858

New York

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Ohio

The Ohio laws against discrimination requires that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

South Carolina

Please see the CONSUMER LOANS: Your Rights and Responsibilities pamphlet which provides a summary of your rights and responsibilities under this loan.

Texas

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

Utah

The Federal Equal Opportunity Act and the Utah Consumer Credit Code prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that 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 Protection Act. The federal agency which administers compliance with this law concerning this creditor, is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580. For residents of Utah, the Equal Credit Opportunity Provisions of the Utah Uniform Consumer Credit Code are administered by the Department of Financial Institutions, Herber M. Wells Building, 160 East 300 South, 3rd Floor, Salt Lake City, Utah 84111.

Washington

Washington State law prohibits discrimination in credit transactions because of race, creed, color, national origin, sex, marital status, or the presence of any sensory, mental or physical handicap of any person. The Washington State Human Rights Commission administers compliance with this particular State law.

Wisconsin

Notice to Married Wisconsin Residents: No provision of a marital property agreement, court order or decree under section 766.70 of the Wisconsin statutes or individual statement applying to marital property will adversely affect a creditor’s interests unless prior to the time credit is granted such creditor had actual knowledge of such provision. If an applicant spouse wants a creditor to be bound by such provision, such applicant spouse needs to disclose to the creditor the existence of such provision and provide the creditor with a copy thereof prior to the time credit is granted. Disclosure of such provision after credit is granted will not bind the creditor.