Fair Lending Statement

Equal Opportunity Lender

Creek Lend is an Creek Lend and is committed to fair lending practices. We provide equal access to credit for all qualified borrowers regardless of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), familial status, disability, or because all or part of the applicant's income derives from any public assistance program.

Compliance with Fair Lending Laws

We comply with all applicable fair lending laws and regulations, including but not limited to:

• Equal Credit Opportunity Act (ECOA): Prohibits discrimination in any aspect of a credit transaction.
• Fair Housing Act: Prohibits discrimination in residential real estate-related transactions.
• Community Reinvestment Act (CRA): Encourages financial institutions to meet the credit needs of all communities they serve.
• Home Mortgage Disclosure Act (HMDA): Requires collection and reporting of lending data.

Our Lending Principles

• Objective Criteria: All lending decisions are based on objective, credit-related factors including credit history, income, employment stability, and debt-to-income ratio.
• Consistent Application: We apply the same lending standards to all applicants regardless of protected characteristics.
• Transparent Terms: All loan terms, rates, and fees are clearly disclosed before you accept an offer.
• Responsible Lending: We assess each borrower's ability to repay and do not make loans that we believe a borrower cannot reasonably repay.

Filing a Complaint

If you believe you have been discriminated against in connection with a credit transaction, you may file a complaint with:

• Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov
• U.S. Department of Housing and Urban Development (HUD)
• Your state's Attorney General office
• Creek Lend directly at support@creeklend.com