Mortgage Application
Disclosure Notice to Proceed
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We will send you the following disclosures and licensing information upon receipt of your application:
- Home Mortgage Disclosure Act (HMDA)
Data exhibits geographic distribution of loans and applications; income of applicants and borrowers; and information about loan approvals and denials.
- Equal Housing Opportunity Lender
Our business is conducted in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988), whereby it is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
- Equal Credit Opportunity Act Fair Lending Notice
Prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); all or part of an applicant's income derived from a public assistance program; or because an applicant has exercised a right under the Consumer Credit Protection Act in good faith.
- State Licenses
Any applicable State disclosure regulations that require licenses to be explicitly disclosed.
- Other Special Notices
Any applicable advertising or other notices that require disclosure.
Privacy Statement
At the State Bank of Alcester, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with the State Bank of Alcester, and we honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you financial products and services you need to accomplish your financial goals. We believe we can do both through this privacy policy.
We believe protecting the confidentiality of customer information is one of our fundamental responsibilities. We are committed to providing security and privacy regarding the collection and use of this information. Employee access to personally identifiable customer information is limited to those with a business reason to know such information. Our employees are informed of their responsibility to protect confidential customer information.
Personal information collected and stored by the State Bank of Alcester is used for specific business purposes. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.
We do not knowingly solicit data from children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.
We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.
We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information principles.
It is the bank’s policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matters, unless 1) the information is provided to help complete a customer-initiated transaction; 2) the customer requests or permits it; or 3) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.).
When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.
At the State Bank of Alcester, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how the State Bank of Alcester protects your confidential information, please contact us.
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and agree with your Privacy Statement.
McKellips SBA
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