Who this article is for
This article is for:
Borrowers who want to understand their fair-lending protections
Anyone checking whether Nestwise complies with federal housing laws
Real estate agents, builders, or partners requesting compliance information
Nestwise is an Equal Housing Lender
Nestwise complies with the Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA).
These federal laws require all mortgage lenders—including Nestwise—to treat every applicant fairly and without discrimination.
You’ll see the Equal Housing Lender logo on our website, disclosures, and communications because we meet these standards.
What Equal Housing Lender protection means for you
As an Equal Housing Lender, Nestwise:
Offers the same information and service to every borrower
Evaluates applications using consistent underwriting standards
Bases lending decisions only on financial factors such as credit, income, debt, and property details
Prohibits discriminatory practices at every step of the mortgage process
Provides clear, transparent reasons if an applicant does not qualify
These protections apply to all borrowers—purchase, refinance, or otherwise.
What Nestwise cannot consider
Under federal law, Nestwise does not make lending decisions based on:
Race
Color
National origin
Religion
Sex or gender
Sexual orientation or gender identity
Marital status
Age (as long as the borrower is legally able to contract)
Disability
Familial status
Receipt of public assistance
Any protected characteristic under state or federal law
Only financial qualifications and property eligibility are considered.
How Nestwise ensures fair lending
To protect borrowers and ensure compliance, Nestwise:
Follows Fannie Mae and Freddie Mac underwriting standards
Applies the same credit, income, and documentation rules to all applicants
Reviews application denials for fair-lending accuracy
Trains all mortgage specialists on compliance requirements
Uses automated systems to reduce bias in loan decisions
Fair lending is built into both our technology and our processes.
Where to get more information
For more details about consumer protections, visit:
HUD Fair Housing Act resources
CFPB (Consumer Financial Protection Bureau) mortgage rights
NMLS Consumer Access for lender licensing