Annual Fair Lending Notification

Fair Lending is the law and moral obligation of every individual providing services in our industry. Mortgage Investors Group has adopted the accompanying Fair Lending Statement which reflects our commitment to the equal treatment of all credit applications.

Mortgage Investors Group policy is to promote the availability of credit on a safe and sound basis to all credit-worthy applicants. We evaluate each credit application on its merits without regard to the applicant’s race, color, ethnicity, national origin, religion, gender, marital or familial status, sexual orientation, disability, age, the fact that the applicant receives public assistance, or may have exercised rights under the Federal Consumer Credit Protection Act.

Mortgage Investors Group policy of fair treatment and equal opportunity extends to every aspect of the credit transaction. This includes, but is not limited to:

• Advertising
• Inquiries, pre-qualifications and discussions
• Application taking
• Pricing
• Processing
• Third party activities such as appraising properties
• Underwriting
• Purchasing
• Servicing
• Collecting on delinquent loans

Mortgage Investors Group Fair Lending Statement

Mortgage Investors Group is committed to treating all individuals fairly and equitably in the conduct of its lending businesses in all jurisdictions where it conducts business. This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act and the Fair Housing Act. These laws require the equitable treatment of all credit applicants, without regard to race, sex, sexual orientation, color, national origin, religion, age, marital status, disability or other prohibited basis. Denying any person equal access to basic economic opportunities, such as home ownership or credit, is morally repugnant, and has no place in our company and will not be tolerated.

Only through the efforts of all of us at Mortgage Investors Group can we ensure that every applicant for credit receives fair and equitable treatment and that we have helped each member of the communities Mortgage Investors Group serves reach his or her fullest potential.