Legal Disclosures & Compliance Information
Important legal information, disclosures, and compliance details for National Mortgage Center
Who lends, and when you become a customer
Creditor
If a mortgage loan is made through this website, the creditor is Stride Bank, N.A., NMLS #466690. National Mortgage Center is the name of this website. This website does not describe National Mortgage Center as a separate creditor or as a mortgage broker.
Where lending is authorized
This website does not publish a state-by-state license list and does not advertise that loans are available in all 50 states. The license record for NMLS #466690, including where mortgage origination is authorized, is the NMLS Consumer Access record for that company. Open the NMLS record for 466690.
Website visitor, applicant, customer
Using this website does not make you a customer of Stride Bank, N.A. Calculators, quizzes, readiness results, saved plans, and contact forms are not loan applications and are not credit decisions. You become an applicant only when you submit a mortgage application through Stride Home Hub. You become a customer only if Stride Bank, N.A. approves and closes a loan.
Deposits are not mortgage insurance
Stride Bank is an FDIC-insured depository institution. FDIC insurance covers qualifying deposits. It does not insure mortgage loans, mortgage applications, or estimated payments on this website.
Rates and APR
This website does not publish a live rate sheet, annual percentage rate, or pricing table. A rate or payment shown in a calculator is a figure you entered or a labeled illustration. It is not an offer, a lock, or a quote from Stride Bank, N.A. An annual percentage rate, when one is provided on a Loan Estimate or Closing Disclosure from Stride Bank, N.A., includes interest and certain finance charges and can be higher than the note rate. This website does not provide that disclosure.
Equal Housing Opportunity
National Mortgage Center is committed to the letter and spirit of U.S. policy for the achievement of equal housing opportunity. We encourage affirmative advertising and marketing programs that provide equal housing opportunities for all persons without regard to race, color, religion, sex, handicap, familial status, or national origin.
NMLS Consumer Access
For information about the licensing status of our loan originators, please visitNMLS Consumer Access. The company record for NMLS ID 466690 is Stride Bank, N.A..
Privacy Notice
Information collection, use, and sharing is described in our Privacy Policy. By providing information to National Mortgage Center, you consent to the collection and use of your information for loan processing purposes and as outlined in our privacy policy.
State Licensing Disclosures
This website does not publish a state-by-state license list and does not advertise that loans are available in all 50 states. The license record for NMLS #466690, including where mortgage origination is authorized, is the NMLS Consumer Access record for that company.
Important Information
Loan Terms
Loan terms are set only on a reviewed application. This website does not display those terms. Approval timing depends on the file, the property, and underwriting.
Reviews
This website does not publish customer reviews, star ratings, or borrower case studies. A quote is not displayed unless it has a name, a date, and a permission record on file.
Savings Claims
Potential savings are estimates and vary based on loan terms, market conditions, and borrower qualifications. Past performance does not guarantee future results.
Approval Process
Loan approval times are estimates and actual processing times may vary. All loans are subject to credit approval, property requirements, and applicable guidelines.
Comprehensive Legal Disclosures
TILA/RESPA Integrated Disclosure
The Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) require clear, accurate disclosures about loan terms and costs. You will receive a Loan Estimate within 3 business days of application and a Closing Disclosure at least 3 business days before closing.
Equal Credit Opportunity Act (ECOA)
The ECOA prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of rights under the Consumer Credit Protection Act.
Fair Housing Act
The Fair Housing Act prohibits discrimination in the sale, rental, and financing of dwellings based on race, color, national origin, religion, sex, familial status, and handicap. National Mortgage Center is committed to fair lending practices.
SAFE Act Compliance
The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires mortgage loan originators to be licensed or registered. Confirm each originator on NMLS Consumer Access. This website does not replace that record.
General Disclaimers
All information provided is for educational purposes only and does not constitute financial advice. This website does not publish a live rate sheet, annual percentage rate, or pricing table. A rate or payment shown in a calculator is a figure you entered or a labeled illustration. It is not an offer, a lock, or a quote from Stride Bank, N.A. All loans are subject to credit approval and property requirements.
Questions About Our Disclosures?
Contact National Mortgage Center for clarification on any legal disclosures or compliance information.