Equal Housing Opportunity
The Lending Desk supports equal opportunity in credit and housing. This page states our non-discrimination commitment and how adverse-action notices work.
Our commitment
The Lending Desk and the affiliated brokerage support the Equal Credit Opportunity Act (ECOA) and the Federal Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Adverse action and algorithmic tools
Under the federal Equal Credit Opportunity Act, the lender making a credit decision must provide the applicant with the reasons for any adverse action within 30 days. Algorithmic decisioning tools surfaced through this publication (calculators, AI assistants, lender-matching widgets) are educational aids — they do NOT constitute credit decisions and do NOT trigger adverse-action notices. Final credit decisions are made by licensed loan officers based on a complete file review.