Home Mortgage Disclosure Act

To govern how lending institutions report loan data, congress enacted the Home Mortgage Disclosure Act in 1975. The data to be reported includes ethnicity, race, sex, and income of applicants and borrowers: geographic distribution of loans and applications; and information about loan approvals and denials. For loans and applications of the previous calendar year, the data is reported by the lending institutions on the first of March.  If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31st.

To receive a copy of this data send a written request to:

Certified Mortgage Planners
Attention Compliance Department
1331 south International Parkway
Suite 2251
Lake Mary, FL 32746

The Federal Equal Credit Opportunity Act

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the 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.

Fair Lending Statement

Certified Mortgage Planners is committed to treating all individual fairly and equitably in the conduct of its lending practices in all jurisdictions where it conducts business.  This commitment is part of our fundamental mission of providing quality financial services to existing and prospective customers in accordance with all applicable laws. In the United States, this principle is embodied in fair lending laws such as the Equal Credit Opportunity Act and the Fair Housing Act. These laws require the equitable treatment of all credit applicants, without regard to race; sex; sexual orientation; color; creed; national origin; religion; age(provided that the applicant has the capacity to enter into a binding agreement);  medical history; marital status; familial status (number and age of children); military status; disability; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act(SCRA); that all or part of a consumer’s income derives from a public assistance program; or other prohibited basis. Denying any person equal access to basic economic opportunities such as home ownership or credit is morally repugnant has no place in our company and will not be tolerated.


Certified Mortgage Planners (NMLS 210950) is located at 1331 South International Parkway, Suite 2251, Lake Mary, FL 32746. Certified Mortgage Planners is licensed in the states it originates mortgage loans. Licensed as a mortgage lender/Servicer in Florida by the Office of Financial Regulation No. MLD677. Licensed as a mortgage broker in Hawaii by the Department of Commerce and Consumer Affairs,  No. 4193730. In accordance with Section 326 of the USA PATRIOT Act of 2001, Certified Mortgage Planners is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. All loans are subject to terms and conditions. Not all applicants may qualify. Loans are subject to credit approval. Programs, rates, terms and conditions are current, but are subject to change and may expire without notice. Other restrictions may apply. All applications must be submitted in writing. This advertisement or information on this website is not a loan disclosure and all disclosures provided after applying should be reviewed carefully. This is not a commitment to lend. Equal Housing Lender. NMLS # 210950.