Training and Education

Commitment to Fair Lending & Housing

Onyx is dedicated to conducting business in a fair and ethical manner. We adhere to all applicable federal and state laws and regulations.

Legal & Regulatory Compliance

• We comply with laws such as ECOA, Fair Housing Act, Dodd-Frank Act, TILA, RESPA, HMDA, and state-specific regulations.

Data Privacy and Security

• Legal

  We protect borrower information in accordance with GLBA, CCPA, and other data privacy laws.

Our Practices

Fairness and Transparency

• We treat all applicants and borrowers fairly and equally.

• We use objective criteria for loan evaluations and provide clear information about our products.

Training and Education:

• We provide ongoing training and education to our staff on all relevant compliance requirements and best practices. This includes:

• Initial onboarding training for new employees.

• Regular refresher courses and updates on regulatory changes.

• Specialized training on areas such as fair lending, data privacy, and ethics.

Your Rights

If you have concerns about potential discrimination or unfair lending, you can file a complaint with:

• The Consumer Financial Protection Bureau (CFPB)

• The U.S. Department of Housing and Urban Development (HUD)

• Your State Regulatory Agency

We Value Your Trust

Onyx is committed to a fair and equitable lending experience. We value your trust and strive to maintain the highest standards of compliance and ethical conduct.

Disclaimer

Onyx Group Mortgage is the Luxury Division of Onyx, NMLS #217229 located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Onyx does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms and conditions subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit: www.nmlsconsumeraccess.org.