Licensing & Disclosures

NMLS Information

LoanTree LLC is a licensed mortgage lender.

• NMLS ID: #1974541
• NMLS Consumer Access: www.nmlsconsumeraccess.org

You may verify our licensing status, view our company information, and confirm individual loan officer credentials through the NMLS Consumer Access website. Enter our NMLS ID #1974541 to view our record.

State Licensing

LoanTree LLC is licensed or authorized to conduct mortgage lending activities in the following states. Licensing requirements vary by state, and we maintain all required licenses and registrations to serve our customers.

• Colorado: Lone Tree, CO 80124
• California: El Dorado Hills, CA 95762

For the most current list of states where LoanTree LLC is licensed, please visit NMLS Consumer Access.

Equal Housing Opportunity

Equal Credit Opportunity Act (ECOA)

In compliance with the Equal Credit Opportunity Act (ECOA) and Regulation B, LoanTree LLC does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The federal agency that administers compliance with this law is the Consumer Financial Protection Bureau (CFPB). If you believe you have been discriminated against, you may file a complaint with the CFPB:

Fair Lending Commitment

LoanTree LLC is committed to fair lending practices. We comply with the Fair Housing Act, the Home Mortgage Disclosure Act (HMDA), the Community Reinvestment Act (CRA), and all applicable federal and state fair lending laws and regulations. We do not engage in predatory lending practices, and we ensure that all borrowers receive fair and equitable treatment throughout the loan origination process.

Truth in Lending & RESPA

Truth in Lending Act (TILA)

In accordance with the Truth in Lending Act (TILA) and Regulation Z, LoanTree LLC provides all required disclosures to borrowers, including the Annual Percentage Rate (APR), finance charge, amount financed, and total of payments. These disclosures are provided to help you understand the true cost of credit and to compare loan offers from different lenders.

Real Estate Settlement Procedures Act (RESPA)

In compliance with the Real Estate Settlement Procedures Act (RESPA) and Regulation X, LoanTree LLC provides borrowers with:

• A Loan Estimate within three business days of receiving a completed loan application
• A Closing Disclosure at least three business days before closing
• A Servicing Disclosure Statement indicating whether loan servicing may be transferred
• An Affiliated Business Arrangement Disclosure, if applicable

LoanTree LLC does not pay or receive referral fees (kickbacks) that violate RESPA.

Rate & APR Disclaimers

Rates and Annual Percentage Rates (APR) displayed on this website are for informational and illustrative purposes only and are subject to change without notice. Displayed rates:

• Are based on publicly available data from Freddie Mac via FRED (Federal Reserve Economic Data) and may include estimated spreads for specific loan programs
• Assume a primary residence, single-family property, with excellent credit (740+ FICO score) and a 20% down payment, unless otherwise noted
• Do not include all fees and costs that may be associated with a mortgage loan
• Are not a rate quote, rate lock, or guarantee of terms

APR reflects the total cost of credit including interest and certain fees. Your actual rate, APR, and monthly payment will depend on your individual creditworthiness, loan program, loan amount, property type, occupancy, loan-to-value ratio, and other factors. Contact LoanTree LLC for a personalized rate quote.

Consumer Complaints

If you have a complaint about LoanTree LLC or our services, you may contact us directly at info@loantreellc.com. You may also file a complaint with the following agencies:

• Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov/complaint or call (855) 411-2372
• NMLS: www.nmlsconsumeraccess.org
• Colorado Division of Real Estate: For Colorado-specific complaints
• California Department of Financial Protection and Innovation (DFPI): For California-specific complaints

Accessibility Statement

LoanTree LLC is committed to ensuring that our website is accessible to all users, including individuals with disabilities. We strive to comply with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards and the Americans with Disabilities Act (ADA).

Our Accessibility Efforts Include:

• Semantic HTML structure with proper heading hierarchy
• ARIA labels and attributes for interactive elements
• Keyboard-navigable interface
• Sufficient color contrast ratios for text readability
• Alternative text for images
• Form labels associated with input fields
• Responsive design for various devices and screen sizes
• Skip-to-content navigation links

Feedback & Assistance

We welcome your feedback on the accessibility of our website. If you encounter any accessibility barriers or need assistance, please contact us:

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