In accordance with state and federal regulations, the following disclosure and licensing information is available for you to review online:
Home Mortgage Disclosure Act (HMDA)
The HMDA data files about our residential mortgage lending are available for review. The data shows geographic
distribution of loans and applications; income of applicants and borrowers; and information about loan approvals
and denials.
Regarding the location where HMDA data may be inspected, inquire at:
CapWest Mortgage Corporation
7410 W. 161st Street
Overland Park, Kansas 66085
To receive a copy of the data, send a written request to:
CapWest Mortgage Corporation
7410 W. 161st Street
Overland Park, Kansas 66085
Equal Housing Opportunity Lender
We conduct business in accordance with the Federal Fair Lending Laws. Under the Federal Housing act, it is illegal,
on the basis of race, color, National Origin, religion, sex, handicap, or familial status (having children under the
age of 18), To: Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a
dwelling, or deny an loan secured by a dwelling or Discriminate in fixing the amount, interest rate, duration,
application procedures or other terms or condition of such a loan or in appraising property.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington D.C. 20410
For processing under the Federal Fair Housing Act, And to:
Customer Assistance Group
Comptroller of the Currency
1301 McKinney Street
Suite 3450
Houston, TX 77010-9050
For processing under the Comptroller of the Currency regulations.
Equal Credit Opportunity Act Fair Lending Notice
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION On the basis of
race, color, national origin, religion, sex, marital status, or age. Because income is from public assistance.
Because a right was exercised under the Consumer Credit Protection Act.
IF YOU BELIEVE YOU HAVE BE DISCRIMINATED AGAINST, SEND A COMPLAINT TO:
Customer Assistance Group
Comptroller of the Currency
1301 McKinney Street
Suite 3450
Houston, TX 77010-9050
CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT
Please read this information carefully. You can print a copy and/or retain this information electronically for
future reference. You can also view it on-line at any time by clicking the "Disclosures" tab. Introduction.
You are submitting a loan application to CapWest Mortgage Corporation, a wholly owned subsidiary of Farmers Bank
& Trust, NA. By using Internet technology, CapWest Mortgage Corporation and/or Farmers Bank & Trust, NA can give
you an approval in minutes, including important federal and state law disclosures. To do this, we need you to
consent to our giving you these disclosures electronically.
This document informs you of your rights when receiving legally required disclosures, notices and information
("Disclosures") electronically from CapWest Mortgage Corporation and/or Farmers Bank & Trust, NA.
Electronic Communications
To better serve you, certain Disclosures related to your Request may be provided to you electronically via email.
If you choose this mode of delivery, the information sent will not be encrypted and will be sent over an insecure
Internet connection. Most of the information to be provided is statutory and is not personal to you. The only personal
information sent will consist of your name, loan amount, interest rate, and payment amount. None of the other
information provided during the application process, such as your social security number, address or specific
personal financial information will be provided electronically.
Your Consent.
By proceeding, you consent to receive limited Disclosures electronically. Most Disclosures will be sent by U.S.
Mail within 3 business days. If you do not wish to consent to electronic delivery of disclosures, but wish to continue
with your application, please call the home office at the following toll-free number: 866-280-WEST (9378).
You understand that you can withdraw your consent at any time and at no cost to you by calling 866-280-WEST (9378).
Scope of Consent.
Your consent to receive Disclosures and to do business electronically, only applies to your use of this site or our
Mortgage Center and your application for a mortgage loan with CAPWEST . This consent does not extend to the closing
of your loan with us nor to any other parties involved in the transaction such as appraisers, title agents or attorneys.
Withdrawing Consent.
Because CAPWEST may provide certain Disclosures to you as soon as you consent, you will not be able to withdraw your
consent to receive those Disclosures electronically. However, you may request paper copies of those disclosures
(see Requesting Paper Copies below). You can also withdraw your consent to receive further Disclosures electronically
at any time and at no cost to you. You may do so by contacting us at 866-280-WEST (9378). If you decide to withdraw
your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected.
Printing or Saving Electronic Documents.
If you choose electronic delivery and want to retain the Disclosures (including this notice) to read them later,
you will need to print them or save them. To print them, you'll need a basic printer capable of printing Web pages.
To save any of the disclosures, you can use the "Save" feature of your Internet browsing software to save the pages
to your hard drive or to some other media, such as a floppy disk. Requesting Paper Copies If you wish to obtain a
paper copy of any of the Disclosures that are being provided electronically, you can call us at 866-280-WEST (9378)
and we will send paper copies to you at no charge.
Required Hardware and Software.
Before you decide to do business with us electronically, you should check to make sure you have the necessary hardware
and software. To access and retain the Disclosures electronically, you will need to use the following computer software
and hardware: Internet Explorer 5.5 or above or equivalent software, and hardware capable of running this software.
If you can read this notice, you have the necessary hardware and software.
Changes to Your Contact Information.
You should keep us informed of any change in your electronic or mailing address by calling us at 866-280-WEST (9378),
or e-mailing us at info@capwestfinance.com.
Applicable State Licenses
State disclosure regulations require the following licenses to be explicitly disclosed: CapWest Mortgage Corporation is a wholly owned subsidiary of Farmers Bank & Trust, N. A., a National Banking Association.
CapWest Mortgage is an Equal Housing Lender. In the States of Arizona, California, Connecticut, Delaware, District of
Columbia, Hawaii, Illinois, Iowa, Montana, Nevada, New Hampshire, New Jersey, Vermont and Wisconsin, Farmers Bank &
Trust, National Association will fund your loan upon acceptance. In the states of Arkansas, Colorado, Florida,
Georgia, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New York,
New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota,
Tennessee, Utah, Virginia, Washington and West Virginia, CapWest Mortgage will fund your loan.
CapWest Mortgage Corporation
7410 W. 161st Street
Overland Park, Kansas 66085
Equal Housing Opportunity Lender
Special Notices
The following statement applies to advertisements in the State of Kansas:
This is not an offer to enter into an agreement.
"Closing Costs Guaranteed" means that the lender's fees for your loan application will not change between the time
you apply and the time you close, assuming the following:
- the loan amount does not change,
- the rate and points option you choose does not change,
- the loan program you applied for does not change, and
- any stated items on your application, such as your stated income, assets, job history, address history, or any other factor that may affect the underwriting decision of the loan you applied for, do not change.
"No fees prior to closing" means that CapWest Mortgage Corporation and Farmers Bank & Trust, NA do not charge up
front fees for application. This does not apply to optional "lock fees" that may be charged up-front if you choose
an extended lock option when you first apply for your loan.
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