Disclosures and Licensing

Disclosures and Licensing

Ethos Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

ETHOS LENDING IS NOT ACTING ON BEHALF OF OR AT THE DIRECTION OF HUD/FHA OR THE FEDERAL GOVERNMENT

Questions regarding our licenses or request for copies of the licenses may be directed to:

Ethos Lending 222 Kearny Street, Suite 650 San Francisco, CA 94108

Telephone: Fax: 415-889-6016 E-mail: legal@ethoslending.com

NMLS ID #1121650 (www.nmlsconsumeraccess.org)
LICENSES
State State License Agency License No.
Alabama State Banking Department 21967
Arizona Department of Financial Institutions 930150
Arkansas Securities Department 106433
California Department of Business Oversight 6054815
Colorado Division of Real Estate N/A
Connecticut Department of Banking ML-1121650
Delaware Office of the State Bank Commissioner 27862
District Of Columbia District of Columbia MLB1121650
Florida Florida Division of Finance Bureau of Regulatory Review MLD1154
Georgia Georgia Department of Banking and Finance 43006
Illinois Department of Financial and Professional Regulation MB.6761059
Indiana Department of Financial Institutions 24760
Iowa Division of Banking 2014-0076
Kansas Office of the State Bank Commissioner MC.0025238
Kentucky Kentucky Department of Financial Institutions MC328879
Maine Maine Department of Professional & Financial Regulation 1121650
Maryland Maryland Commissioner of Financial Regulation 21455
Michigan Department of Insurance and Financial Services FR0020814
Minnesota Department of Commerce – Financial Institutions Division MN-MO-1121650
Mississippi Mississippi Department of Banking and Consumer Finance 1121650
Missouri Missouri Division of Finance 16-2304
New Hampshire State of New Hampshire Banking Department 21739-MB
New Jersey New Jersey Department of Banking & Insurance N/A
North Carolina North Carolina Commissioner of Banks Office L-161498
Ohio Division of Financial Institutions, Consumer Finance Section MB.804195.000
Oregon Division of Financial Regulation ML-5561
Pennsylvania Department of Banking and Securities 48747
Tennessee Tennessee Department of Financial Institutions 120443
Texas Department of Savings and Mortgage Lending N/A
Virginia Bureau of Financial Institutions MC-5865
Washington Department of Financial Institutions CL-1121650
Wisconsin Department of Financial Institutions 1121650BA
STATE SPECIFIC DISCLOSURES
ARIZONA

Arizona branch office address: 15150 N. Hayden Rd Suite 230 Scottsdale, AZ 85260
Branch NMLS ID No. 1343283

COLORADO

Colorado Division of Real Estate’s website: https://www.colorado.gov/dora/division-real-estate

ILLINOIS

Regulated by the Illinois Department of Financial and Professional Regulation
Division of Banking
320 W. Washington Street
Springfield, IL. 62786
217-782-300

mICHIGAN
OHIO
Equal Credit Opportunity Notice

The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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.

TEXAS

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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 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.

DISCLAIMERS
  • Not all programs are available in all areas. Program restrictions apply. All rights reserved.
  • This is not an offer for extension of credit or a commitment to lend.
  • All loan programs are subject to underwriting guidelines. Approvals may be subject to appraisals and other documentation. Interest rates, loan terms, and other information on this website are subject to change without notice.