Alabama: License #MC21378. Arizona: Mortgage Banker License #0943427 as Century Lending Company. California: License # 41DBO-57306. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Colorado: Colorado Responsible Party Marla Guillaume (NMLS #188448), business phone: (502) 753-4123. Corporate offices located at Century Lending Company, 9931 Corporate Campus, Suite 1200, Louisville, Kentucky 40223. To check the license status of your mortgage broker, visit www.dora.state.co.us/real-estate/index.htm. Delaware: Licensed by the Delaware State Bank Commissioner, License # 024011. District of Columbia: License #MLB7121. Florida: Mortgage Lender/Servicer License #MLD412. Georgia: Georgia Residential Mortgage Licensee #19550. Illinois: Illinois Residential Mortgage Licensee #MB.6759709 by the Illinois Department of Financial and Professional Regulation - Division of Banking, 122 South Michigan Avenue, Suite 1900, Chicago, IL 60603, (312) 793-3000. Indiana: License #11050 and #16429. Kansas: Kansas Licensed Mortgage Company, Century Mortgage Company d/b/a Century Lending, License # MC.0025275. Kentucky: License #MC23738. Maryland: License #11976 as Century Lending Company, 9931 Corporate Campus, Suite 1200, Louisville, Kentucky 40223 (502) 753-4155. Michigan: License #FL0010624. Minnesota: License #MN-MO-20425476. This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47. 206(3) and (4). New Jersey: New Jersey Residential Mortgage Lender Licensee. Ohio: License Number MB.803237.000 as Century Mortgage Company of Kentucky (Century Mortgage Company), 9931 Corporate Campus, Suite 1200, Louisville, Kentucky 40223. Pennsylvania: License #58314 South Carolina: BFI Mortgage Lender / Servicer License MLS - 3925; NMLS # 3925. Tennessee: License #2427. Texas: NMLS#3925. Virginia: Century Lending Company, NMLS ID # 3925 (www.nmlsconsumeraccess.org). Washington: Washington Consumer Loan Company Licensee # CL-3925. Wisconsin: License #476BA.
The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans
and applications; race, gender, and income of applicants and borrowers; and information about loan approvals and denials.
These data, and data about other financial institutions, are available online via the Consumer Financial Protection Bureau's website at:
You may also request a copy Century's HMDA data, by writing to:
Legal Department / HMDA
Century Mortgage Company d/b/a Century Lending Company
9931 Corporate Campus, Ste. 1200
Louisville, KY 40223
The Fair Housing Act prohibits discrimination in housing because of:
What Housing Is Covered? The Fair Housing Act covers most housing. In some circumstances, the Act exempts owner-occupied buildings with no more than four units, single-family housing sold or rented without the use of a broker and housing operated by organizations and private clubs that limit occupancy to members.
What Is Prohibited? In the Sale and Rental of Housing: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap:
In Mortgage Lending: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap:
In Addition: It is illegal for anyone to:
We Do Business in Accordance With the Federal Fair Housing Law
(The Fair Housing Amendments Act of 1988)
It is illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination:
1-800-669-9777 (Toll Free) 1-800-927-9275 (TTY)
U.S. Department of Housing and
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410
At Century Mortgage Company, we recognize our obligation to keep your private information secure and confidential. This notice will provide you with detail concerning how we use this information and our data security measures that apply to our record keeping system, website, and customer information.
Scope of Policy.
We comply with all applicable state and federal privacy laws, including but not limited to, The Gramm-Leach-Bliley Privacy Act and the Fair Credit Reporting Act.
How Do We Collect Information?
All personal and/or financial information and/or authorizations you provide to us are voluntary. We collect non-public information about you from information we receive from you on your applications and other documents; information or documents you supply to Century or your loan originator during the loan process; and information we receive from consumer reporting agencies. We also collect information from records maintained by or on behalf of Century, which may include information in your loan servicing file, or your hazard insurance provider. We may also collect public or non-public information from third parties, such as third party brokers, credit reporting bureaus, courts, or other public and non-public sources.
What Information Do We Gather?
Non-public information that we collect includes:
How Is Non-Public Information Used?
We do not disclose non-public information except as permitted by law. We use non-public information as needed to process your request for our services, products or information. For example, if you apply for a mortgage loan with Century, we will use non-public information to determine your eligibility for certain mortgage loans and then, if appropriate, to process and close your mortgage loan. If Century administers or services your mortgage loan, then we will use non-public information to complete our servicing duties, which may include processing of payments or working to resolve issues or disputes related to your mortgage loan. We train our employees to protect your non-public information. We may also use information we collect for analytical, statistical, research or marketing purposes, as allowed by law.
We do not sell our customer lists, customer information, or non-public information. As permitted by law, there are situations in which your public or non-public information may be shared with service providers. These situations include:
Patriot Act Disclosure
To help the United States government prevent fraud and fight the funding of terrorism, money laundering and related activities, Federal law requires that we obtain, verify and record information that identifies each person who applies for a mortgage loan through Century Mortgage Company d/b/a Century Lending Company. We will ask you for your name, address, date of birth, and other identifying information. We may also inspect and/or copy your driver's license or other identifying documents. If you fail or refuse to provide such information, we may decline to open account or establish or continue a customer relationship with you.
Safeguarding Social Security Numbers and Non-Public Information
Century Mortgage Company d/b/a Century Lending Company collects social security numbers and non-public information in order to allow us to provide services to you; to support federal, state and local legal requirements. We restrict access to social security numbers to those employees and service providers who require those numbers to support these purposes. We will not disclose your social security number to any third parties except as otherwise stated in this Notice, or as permitted by law. We strive to protect social security numbers known to us by maintaining physical, electronic, procedural, and technological safeguards in compliance with state, local and federal regulations.
Cookies and Similar Informational Devices
Specific pages and programs of our website may utilize "cookies" or other devices designed to assist you with your use of our website, as well as provide us with statistical information. We may use cookie technology or other online tracking technologies to gather information about your visit and use of our website in order for us to measure website activities, surfing trends, referral trends, internet service provider information, and other statistical data. This will assist us with our efforts to design the most useful website for you and our customers.
Modification of Policy
This Policy is effective as of January 1, 2011. We reserve the right to amend, alter, update, or otherwise change this Policy at our discretion. Any changes to this Policy will be posted to this web page in a timely manner.
Century Mortgage Company d/b/a Century Lending Company shall not be held responsible or liable for the quality or results or products, services, or promises of any third party. Our website and its programs, functions and features are offered on an "as-is" basis only with no guarantees, promises, or covenants. Century Mortgage Company has no affiliate entities, parents or subsidiaries; Century Mortgage Company has no affiliation with Century Mortgage Lending of Michigan or New Century Mortgage Company.
Questions and Comments
If you have questions or comments regarding this Notice or any other policy or practice of Century, please contact us as: Legal Department, Century Mortgage Company d/b/a Century Lending Company, 9931 Corporate Campus Drive Suite #1200, Louisville, KY 40223.