Equal Housing Lender | Hillcrest Lending

Equal Housing Opportunity

Hillcrest Lending is an Equal Housing Lender. We are committed to ensuring that all individuals have equal access to our lending services, regardless of race, color, religion, national origin, sex, familial status, disability, or any other characteristic protected by law.

Fair Housing Act Compliance

The Fair Housing Act (Title VIII of the Civil Rights Act of 1968, as amended) prohibits discrimination in housing-related transactions, including mortgage lending, based on the following protected classes:

Race
Color
Religion
National origin
Sex (including sexual orientation and gender identity)
Familial status (families with children under 18, pregnant persons, or persons securing custody of children under 18)
Disability (physical or mental)

Hillcrest Lending fully complies with the Fair Housing Act and does not discriminate in any aspect of mortgage lending, including but not limited to: taking loan applications, loan underwriting, setting loan terms or conditions, appraising property, or servicing loans.

Equal Credit Opportunity Act (ECOA)

The Equal Credit Opportunity Act (15 U.S.C. 1691 et seq.) makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction on the basis of:

Race
Color
Religion
National origin
Sex (including sexual orientation and gender identity)
Marital status
Age (provided the applicant has the capacity to enter into a binding contract)
Receipt of income from any public assistance program
Good-faith exercise of any right under the Consumer Credit Protection Act

Hillcrest Lending complies fully with ECOA. Every loan application is evaluated on its individual merits, based on legitimate credit and collateral criteria. We do not consider any prohibited factor in our lending decisions.

Non-Discrimination Statement

It is the policy of Hillcrest Lending to provide equal lending opportunities to all qualified borrowers and prospective borrowers. We are committed to ensuring that our lending practices are free from illegal discrimination. Our lending decisions are based solely on legitimate factors such as creditworthiness, property value, loan-to-value ratios, and the borrower's ability to repay the loan.

We provide information and services to all persons on a non-discriminatory basis. We do not engage in redlining or any practice that has the purpose or effect of discriminating against any person or group of persons on a prohibited basis.

Additional California Protections

California law provides additional protections against discrimination in lending. Under the California Fair Employment and Housing Act (FEHA) and the Unruh Civil Rights Act, the following additional classes are protected:

Sexual orientation
Gender identity and expression
Genetic information
Source of income
Military or veteran status
Immigration status (for state law purposes)
Primary language

Hillcrest Lending complies with all applicable California non-discrimination laws in addition to federal fair housing and fair lending requirements.

How to File a Complaint

If you believe you have been discriminated against in connection with a loan transaction, you may file a complaint with any of the following agencies:

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

Office of Fair Housing and Equal Opportunity

Phone: 1-800-669-9777

TTY: 1-800-927-9275

Online: www.hud.gov — File a Complaint

Consumer Financial Protection Bureau (CFPB)

Phone: 1-855-411-2372

Online: www.consumerfinance.gov/complaint

California Department of Fair Employment and Housing (DFEH)

Phone: 1-800-884-1684

Online: www.dfeh.ca.gov

Hillcrest Lending

You may also contact us directly to report concerns:

Email: corporate@hillcrestlending.com

Phone: 949-656-4548

Back to Homepage