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Home Loans - Federal Disclosures

Federal and state law require that APGFCU provide you with certain disclosures before you complete your application for a Home Equity Loan. Please review, download or print, and retain this information for your records.

Equal Housing Lender Notice
Home Mortgage Disclosure Act Notice

Equal Housing Lender Notice

We Do Business In Accordance With the
Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or denying any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, D.C. 20410
For processing under the Fair Housing Act
and to:

National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street Alexandria, VA 22314-3428
For processing under NCUA Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

  • On the basis of race, color, national origin, religion, sex, marital status, or age,
  • Because income is from public assistance, or
  • Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; race, gender, and income of applicants and borrowers: and information about loan approvals and denials. Inquire at any APGFCU office regarding the locations where HMDA data may be inspected.

 

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