We take our clients’ financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.
We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.
Legal & Terms
Information We Collect
When you visit this site, we may collect certain types of information from you, such as information you voluntarily provide via forms, applications, etc. We may also collect information about you from your online browsing and transactions, including your preferences, pages visited, technical information regarding your computer and operating systems, such as your Internet Protocol (IP) address, domain name and system configuration and settings.
Cookies
‘Cookies’ are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive. City Lending, Inc. may set and access cookies on your computer to track and store identifying information about you. We also may gather information about you using cookie technology. For example, City Lending, Inc. may assign a cookie to you to limit the amount of times you see particular information. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the Service may be impaired for you. We encode our cookies so that only we can interpret the information stored in them.
Encryption
From the moment account information leaves your computer to the time it enters City Lending, Inc’s system, all online access is encrypted.
During any exchange of sensitive loan information or documents, our 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. City Lending, Inc. servers possess the formulas required ‘to turn this code back into meaningful information for processing.
Any Web address beginning with “https://…” indicates the page you are viewing uses encryption. The “s” stands for “secured.”
Constant surveillance
City Lending, Inc’s security team maintains and monitors our security systems to help ensure that your accounts are safe and secure.
Licence States
Disclosures And Licenses
City Lending, Inc Disclosures And License Information
City Lending, Inc. 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.
City Lending, Inc State Disclosure Requirements
City Lending, Inc. is a licensed mortgage lender. *The following states require disclosure of licensing information.* (If your state is not listed, it doesn’t require a specific license disclosure):
Washington, Consumer Loan Company License – License/Registration #: CL-1045126
West Virginia, Mortgage Lender License – License/Registration #: ML-35709
In Texas – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N.
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 MORTGAGE BANKER 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.
If you have any further questions you may reach us at info@citylendinginc.com
