Torres & Co. Lending LLC is committed to fair and equal access to credit. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the legal capacity to enter into a binding contract), the receipt of income from public assistance programs, or the exercise of rights under the Consumer Credit Protection Act.
We proudly operate in compliance with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and all other applicable federal and state fair lending laws.
As an Equal Housing Lender, we provide mortgage products and services to all qualified borrowers without bias or prejudice.
Our commitment goes beyond compliance — it is part of our values: Integrity, Loyalty, Respect, and Precision.
Our Policy on Fair Lending
Torres & Co. Lending strictly prohibits discrimination in any aspect of a credit transaction, including but not limited to:
- The evaluation of applications
- Setting of terms and conditions
- Advertising and marketing of credit products
- Servicing of loans
We do not discriminate on the basis of:
- Race or color
- Religion
- National origin
- Sex, gender identity, or sexual orientation
- Marital status
- Age (provided the applicant has legal capacity to enter into a contract)
- The fact that all or part of an applicant’s income comes from public assistance programs
- The fact that an applicant has exercised, in good faith, any right under the Consumer Credit Protection Act
Equal Housing Opportunity
Torres & Co. Lending proudly operates as an Equal Housing Lender.
- We make mortgage loans available to all qualified borrowers without regard to any protected class.
- We support and follow the Fair Housing Act, which makes it illegal to discriminate in housing-related transactions on the bases listed above.
- Our employees are trained to ensure every applicant receives fair treatment, consistent guidance, and equal consideration.
Federal Laws We Comply With
We operate in full compliance with all applicable fair lending laws, including:
- Equal Credit Opportunity Act (ECOA)
- Overview: Consumer Financial Protection Bureau – ECOA (https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/equal-credit-opportunity-act/)
- Statute: 15 U.S.C. §§ 1691–1691f (https://www.govinfo.gov/app/details/BILLS-117hr2543rfs)
- Fair Housing Act (FHA)
- Overview: HUD – Fair Housing Act (https://www.hud.gov/helping-americans/fair-housing-act-overview#close)
- Statute: 42 U.S.C. §§ 3601–3619 (https://www.govinfo.gov/app/details/USCODE-2022-title42/USCODE-2022-title42-chap45)
- Home Mortgage Disclosure Act (HMDA)
- Overview: Consumer Financial Protection Bureau – HMDA (https://www.consumerfinance.gov/data-research/hmda/)
- Statute: 12 U.S.C. §§ 2801–2811 (https://www.govinfo.gov/app/details/USCODE-2022-title12/USCODE-2022-title12-chap29)
- Truth in Lending Act (TILA)
- Overview: Consumer Financial Protection Bureau – TILA (https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/truth-in-lending-act/)
- Statute: 15 U.S.C. §§ 1601–1667f (https://www.govinfo.gov/app/details/USCODE-2022-title15/USCODE-2022-title15-chap41-subchapI)
- Real Estate Settlement Procedures Act (RESPA)
- Overview: Consumer Financial Protection Bureau – RESPA (https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/real-estate-settlement-procedures-act/)
- Statute: 12 U.S.C. §§ 2601–2617 (https://www.govinfo.gov/app/details/USCODE-2022-title12/USCODE-2022-title12-chap27)
- Fair Credit Reporting Act (FCRA)
- Overview: Consumer Financial Protection Bureau – FCRA (https://www.consumerfinance.gov/learnmore/consumer-reporting-companies/)
- Statute: 15 U.S.C. §§ 1681–1681x (https://www.govinfo.gov/app/details/USCODE-2022-title15/USCODE-2022-title15-chap41-subchapIII)
Our Commitment to Transparency
- Clear Communication: We explain loan terms, fees, and options in a way that is easy to understand.
- Accessibility: We offer services in both English and Spanish, and provide resources to ensure clients fully understand their mortgage options.
- Responsible Lending: We assess every application based on financial qualifications — not personal characteristics.
- Regular Training: Our team receives ongoing education to remain compliant with federal and state fair lending standards.
What This Means for You
- Every application is reviewed fairly.
- Every borrower is considered based on their financial qualifications and ability to repay.
- Every client receives the same level of respect, transparency, and professionalism.
Reporting Concerns
If you believe you have experienced discrimination in any aspect of a housing-related transaction, you may file a complaint with:
- U.S. Department of Housing and Urban Development (HUD), Office of Fair Housing and Equal Opportunity (FHEO): HUD Fair Housing (https://www.hud.gov/program_offices/fair_housing_equal_opp)
- Consumer Financial Protection Bureau (CFPB): Submit a Complaint (https://www.consumerfinance.gov/complaint/)
Equal Housing Logo
(Place the Equal Housing Opportunity logo here for visual compliance.)
Our Promise
At Torres & Co. Lending LLC, every client matters. We are committed to serving families, veterans, first-time buyers, investors, and communities with fairness and respect. Equal access to credit isn’t just the law — it’s the foundation of who we are.
