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 94108NMLS ID #1121650 (www.nmlsconsumeraccess.org)
|State||State License Agency||License No.|
|Alabama||State Banking Department||21967|
|Arizona||Department of Financial Institutions||930150|
|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 branch office address: 15150 N. Hayden Rd Suite 230 Scottsdale, AZ 85260
Branch NMLS ID No. 1343283
Regulated by the Illinois Department of Financial and Professional Regulation
Division of Banking
320 W. Washington Street
Springfield, IL. 62786
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.
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.
- 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.