Google Rating
4.9
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Equal Credit Opportunity Act (ECOA)
Bay Arealty — Genesis Loans is committed to fair lending. Learn about your rights under the Equal Credit Opportunity Act and how we ensure non-discriminatory mortgage practices for every borrower.
Trusted by over 2,500 California families
2500+
Families Helped
$1.2B+
in Loans Funded
23-Day
Avg. Closing
Tell Us Your Goals
Equal Credit Opportunity Act (ECOA)
Prohibits discrimination in lending based on protected characteristics.
Our Commitment
Bay Arealty — Genesis Loans (NMLS #368880 | DRE #01447306) is committed to fair lending practices and complies with the Equal Credit Opportunity Act (ECOA). We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), receipt of income from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
How We Evaluate Applications
We evaluate all loan applications based on objective criteria, including creditworthiness, income, assets, and debt obligations. We do not consider factors unrelated to creditworthiness, such as assumptions about an applicant's likelihood of bearing or rearing children.
Your Rights
If you believe you have been discriminated against in the mortgage application or lending process, you have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Department of Housing and Urban Development (HUD). For further information on your rights under ECOA, please visit the CFPB website or contact HUD.
Office to File Complaints
Consumer Financial Protection Bureau (CFPB)
- Website: https://www.consumerfinance.gov/complaint/
- Phone: (855) 411-CFPB (2372)
- Mail: Consumer Financial Protection Bureau, P.O. Box 4503, Iowa City, Iowa 52244
Additional Information
You can also file a complaint with the Department of Housing and Urban Development (HUD) if you believe you have been discriminated against on the basis of race, color, religion, national origin, sex, disability, or familial status.
U.S. Department of Housing and Urban Development
451 7th Street, S.W., Washington, DC 20410
T: 202-708-1112
TTY: 202-708-1455
What Our Clients Say
We were first-time buyers and had no idea where to start. Our loan officer walked us through every step, answered our calls even on weekends, and helped us close in just 31 days. We got a better rate than we ever expected!
Maria & Jose R., San Jose
First-Time Home Buyers
I was refinancing my home and shopped around with several lenders. Bayarealty beat every quote I received and the process was incredibly smooth. My monthly payment dropped by over $400. Highly recommend their team!
David Thompson, Milpitas
Home Refinance
As a self-employed borrower, I thought getting approved would be a nightmare. The team here worked with my bank statements and found the perfect loan program for me. Professional, responsive, and genuinely caring people.
Priya Sharma, Fremont
Bank Statement Loan
Proudly Serving the Bay Area and All of California
Our roots are here. We live in these communities, raise our families here, and take pride in helping our neighbors achieve homeownership. Whether you're buying in San Francisco, San Jose, Oakland, or anywhere in California, our team is ready to help.
Ready to Take the First Step?
Whether you're ready to apply or just have questions, we're here. No pressure, no obligation — just real answers from real people who want to help.
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Start your application in minutes. We'll get back to you within 24 hours with your options
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You Asked, We Answered
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15+
Years Experience
23
Day Avg Close
1500+
Happy Clients