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Century Lending Company is an Equal Housing Lender


LICENSING: Equal Housing Lender. NMLS Unique Identifier Number #3925. Century Mortgage Company d/b/a Century Lending Company is licensed in the following states:

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  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  Tennessee: License #2427.  Texas: NMLS#3925.  Virginia: Century Lending Company, NMLS ID # 3925 (  Washington: Washington Consumer Loan Company Licensee # CL-3925.  Wisconsin: License #476BA.  

NMLS Consumer Access

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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. To request a copy of the data regarding your metropolitan statistical area, write to:

Legal Department / HMDA
Century Mortgage Company d/b/a Century Lending Company
9931 Corporate Campus, Ste. 1200
Louisville, KY 40223
National Credit Union Administration
Office of Examination and Insurance
Washington, D.C. 20456

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The Fair Housing Act prohibits discrimination in housing because of:

  • Race or color
  • National origin
  • Religion
  • Sex
  • Familial status (including children under the age of 18 living with parents or legal custodians; pregnant women and people securing custody of children under 18)
  • Handicap

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:

  • Refuse to rent or sell housing
  • Refuse to negotiate for housing
  • Make housing unavailable
  • Deny a dwelling
  • Set different terms, conditions or privileges for sale or rental of a dwelling
  • Provide different housing services or facilities
  • Falsely deny that housing is available for inspection, sale or rental
  • For profit, persuade owners to sell or rent (blockbusting) or
  • Deny anyone access to or membership in a facility or service (such as multiple listing service) related to the sale or rental of housing.

In Mortgage Lending: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap:

  • Refuse to make a mortgage loan
  • Refuse to provide information regarding loans
  • Impose different terms or conditions on a loan, such as different interest rates, points, or fees
  • Discriminate in appraising property
  • Refuse to purchase a loan or
  • Set different terms or conditions for purchasing a loan

In Addition: It is illegal for anyone to:

  • Threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise that right
  • Advertising or make any statement that indicates a limitation or preference based on race, color, national origin, religion, sex, familial status or handicap. This prohibition against discriminatory advertising applies to single-family and owner- occupied housing that is otherwise exempt from the Fair Housing Act.

Century Lending Company is an Equal Housing Lender              Century Lending Company is an Equal Housing Lender

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

  • In the sale or rental of housing or residential lots
  • In advertising the sale or rental of housing
  • In the financing of housing
  • In the provision of real estate brokerage services
  • 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) 1-800-927-9275 (TTY)

U.S. Department of Housing and
Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410

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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.

This Privacy Policy (the "Policy") applies only to the collection, use and sharing of information that you provide to us through electronic means via internet, facsimile, email, and/or through information you deliver to us personally or through mail. This policy does not apply to the practices or policies of third parties, Century's business partners, or others with whom we may do business. Our website may contain links to third party sites not controlled by Century or covered by this Policy. We strongly recommend that you review the privacy policies of all third parties prior to providing any personal or financial information to those parties.

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:

  • Personal identifying information, including information such as your name, address, social security number in whole or in part, telephone number, email address, date of birth,
  • Financial information, including but not limited to income information, employment and tax information, individual account numbers, bank information, asset information, liability information, account balances and payment history;
  • Other information deemed necessary to provide our services or products to you.

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:

  • Information provided to loan servicers, subservicers, master servicers, or providers of mortgage loan services, and as permitted by law;
  • Information provided to investors, banks, trusts, trustees, agencies, organizations, or entities holding an interest in your mortgage loan or evaluating the purchase, assignment, or transfer of your mortgage loan;
  • Regulatory agencies such as the Consumer Financial protection Bureau, the U.S. Department of Housing and Urban Development and state departments of financial institutions;
  • Courts or attorneys who serve us with a subpoena;
  • Successor investors and assignees, or fiduciaries;

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.

General Disclosure.

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.

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