Member FDIC | Equal Housing Lender
Privacy Statement
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Important Information to Applicant(s).To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for a loan or opens an account. What this means for you: When you apply for a loan or open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. In some instances, we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.
False Statements. By completing this application, I/we fully understand that it is a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq.
Security Notice: ONLY fill out this loan application on-line if you are using a browser with the latest security enhancements. If you do not have the latest version, download it now. This form is NOT cached (saved in your computer's memory) when you QUIT your browser.
Right to Receive a Copy of Appraisal Report. We may order an appraisal to determine the property's value and charge you for this appraisal. We will promptly give you a copy of an appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.
Click here to access Adjustable Rate Mortgage (ARM) Disclosures.
Click here to access the Consumer Handbook on Adjustable Rate Mortgages (CHARM booklet).
Instructions:
This Residential Loan Application is for personal loans and is NOT intended for Business use.
This application is designed to be completed by the applicant(s). Applicants should complete this form as "Borrower" or "Co-Borrower", as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income of a person other than the "Borrower" (including Borrower's spouse) will be used as a basis for loan qualification or the income of the Borrower's spouse will not be used as a basis for loan qualification, but his or her liabilities must be considered because the Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.
Borrower | Co-Borrower | |
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Please initial (By initialing, you agree that each of us intend to apply for Joint Credit) |
Amount Applying For $ | No. of Months | Interest Rate | |
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Borrower | |
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Name (include Jr. or Sr. if applicable) |
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Social Security No. |
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Phone (incl. area code) |
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Date of Birth |
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Email Address |
Co-Borrower | |
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Name (include Jr. or Sr. if applicable) |
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Social Security No. |
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Phone (incl. area code) |
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Date of Birth |
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Email Address |
Employer | Additional Employer | |
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Employer Name |
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Employer Address |
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Years on Job (If less than 2 yrs, please fill out Additional Employer Information) |
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Years employed in this profession |
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Position/Title |
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Business Phone |
Employer | Additional Employer | |
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Name |
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Address |
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Years on Job (if less than 2 yrs, please fill out Additonal Employer Info.) |
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Years employed in this profession |
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Position/Title |
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Business Phone |
Borrower | Co Borrower | |
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Gross Monthly Income |
Demographic Information: This section asks about your ethnicity, sex, and race.
The purpose of collecting this information is to help ensure that all applicants are treated fairly and that the housing needs of communities and neighborhoods are being fulfilled. For residential mortgage lending, federal law requires that we ask applicants for their demographic information (ethnicity, sex, and race) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to provide this information, but are encouraged to do so. The law provides that we may not discriminate on the basis of this information, or on whether you choose to provide it. However, if you choose not to provide the information and you have made this application in person, federal regulations require us to note your ethnicity, sex, and race on the basis of visual observation or surname. The law also provides that we many not discriminate on the basis of age or marital status information you provide in this application. Instructions. You may select one or more "Hispanic or Latino" origins and one or more designations for "Race." If you do not wish to provide some or all of this information, select this applicable check box.
Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that:(1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.;(2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application;(3) the property will not be used for any illegal or prohibited purpose or use;(4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan;(5) the property will be occupied as indicated herein;(6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved. (7) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan;(8) in the event that my payments on the Loan become delinquent, the owner or servicer of the Loan may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies;(9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law;(10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a fascimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.
Consent. You authorize us to contact you using any of the telephone numbers listed on this Credit Application or that you subsequently provide us in connection with your credit account - regardless whether the number we use is assigned to a paging service, cellular telephone service, specialized mobile radio service or other radio common carrier service or any other service for which you may be charged for hte call. You further authorize us to contact you through the use of voice, text and email and through the use of pre-recorded/artificial voice messages or an automated dialing device.
Acknowledgement. Each of the applicants hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application for a consumer reporting agency.
Borrower's Name | Date | CO-Borrower's Name | Date | |
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Enter Name | Loan Originator Identifier (MLO#) | |
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Loan Originator's Name |