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In accordance with State and Federal regulations, the following disclosure and licensing information is available for you to review online:
Home Mortgage Disclosure Act
Our annual Home Mortgage Disclosure Act Statement is available for inspection. This statement shows the
geographic distribution of our residential mortgage and home improvement loans. For information on how
to inspect the statement, please call 1-800-USA-LEND.
Equal Housing Opportunity
We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1998).
It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial
status, or national origin.
- In the sale or rental of housing
- In advertising the sale or rental of housing
- In the financing of housing
- In the provision of Real Estate brokerage service
- In the appraisal of housing
- Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination:
1-800-669-9777 (toll free), or 1-800-927-9275 (tdd). U.S. Department of Housing and Urban Development Assistant
Secretary for Fair Housing and Equal Opportunity, Washington DC 20410.
The Housing Financial Discrimination Act of 1977 California Fair Lending Notice
It is illegal to discriminate in the
provision of or in the availability of financial
assistance because of the consideration of:
- 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
- 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, and
under what terms and conditions, to provide financial assistance.
These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation,
or refinancing of one to four unit family residences occupied by the owner and for the purpose of the home
improvement of any one to four unit family residence.
If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:
Department of Corporations
320 West 4th Street, Suite 750
Los Angeles, CA 90013-1105
Equal Credit Opportunity Act Fair Lending 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 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 Credit Protection Act. The Federal agency
that administers compliance with this law concerning the creditor is:
Mortgage Companies
Federal Trade Commission
Equal Credit Opportunity
Room 4037
Washington DC 20580
Fair Credit Reporting Act Notice
The Fair Credit Reporting Act [15 U.S.C. 1681] impacts many stages of the loan process. It requires that the ordering of a credit report be solely for the purpose of underwriting the loan or other credit or collection purposes. In underwriting the loan, it regulates the manner in which information from consumer reporting agencies is used. The act also has disclosure requirements if a loan request is denied. Lenders are required to retain adverse action disclosure statements for 25 months. Lenders who pass on information in consumer reports, or other information obtained on consumers, to third parties can be inadvertently become consumer reporting agencies.
Licenses
Applicable state disclosure regulations require the following licenses to be explicitly
disclosed:
- Arizona Mortgage Banker License Number BK-0902769
- Licensed by the California Dept. of Corporations under California Finance Lender Law
- California Department of Real Estate License # 01254287
- Florida: doing business as BridgeCap Corporation
- Georgia Residential Mortgage Licensee
- Illinois Residential Mortgage Licensee # 5576, William Darr, Commissioner of Banks, 310 S. Michigan Ave., Suite 2130, Chicago, IL 60604, Telephone (312) 793-3000.
- Massachusetts Mortgage Lender License # ML1464, Massachusetts Mortgage Broker License # MB1960
- New Hampshire Banking Dept. License Numbers 7865-MB and 7786-MHL
Online Applications
In order to ensure the most timely response and best loan program for you,
we reserve the right to share your information with our affiliate lenders, in accordance with applicable laws.
It is understood by the Applicant when applying on line that all statements made in his or her application
are true and are made to obtain the loan requested.
Bridge Capital Corporation as lender may retain a copy of all online applications even if the loan is
not granted. The lender or anyone authorized by the lender may obtain employment, credit, or other information
relating to the Applicant(s) for this loan.
If the loan is approved, the lender may obtain additional employment, credit, or other information in
connection with any updates, renewal, or extension of the loan, or for the solicitation of loan or insurance
products.
Unless the Applicant(s) notifies the lender in writing at 25391 Commercentre Dr, Suite 100, Lake Forest, CA 92630 the lender
may share employment, credit, or other information that it has concerning the Applicant(s) with an affiliate
(if there is more than one Applicant each Applicant must notify the lender in writing to prevent the
sharing of his/her information with the lender's affiliates). If notified, the lender will cease the sharing
with an affiliate of any employment, credit, or other information that it receives after receipt of the
Applicant's notice.
Upon request of the Applicant(s), the lender will provide the name and address of any credit bureau that
issued a credit report on them and the lender may pass the $16.00 cost of the credit report directly to the
Applicant(s). The cost of the credit report is non-refundable. Some states require us to place any advance
costs in a trust account. By applying online the Applicant agrees that any fee collected for the cost of a
credit report may be paid to the lender from the trust account, if applicable, at the time of a decision being
made on the Applicant’s application.
Married Applicant(s) may apply for separate loan(s). The lender or anyone authorized by the lender may
inspect the Applicant's property securing this loan for the purpose of determining its value.
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