Fair and Responsible Practices Policies


It is EverBank’s policy to treat you with professionalism, courtesy and fairness. Our employees strive to offer assistance, encouragement and service in a fair, equitable and consistent manner. The success of the Policy is the responsibility of the entire organization. This Policy applies across all aspects of the lending operations, including advertising and marketing, loan origination, processing, underwriting, servicing, collection, and loss mitigation activities.

EverBank’s commitment to fair and responsible lending principles is demonstrated throughout the Bank’s structure and organization, in employee accountability, through various monitoring and auditing programs, and in education and training programs it offers. EverBank’s Executive Management is responsible for establishing policies to ensure that operations and business practices reflect our strong commitment to fair and responsible lending, and that all employees are aware of that commitment.

Policy statement

EverBank has adopted a Fair and Responsible Practices Policy (the “Policy”) to promote compliance with all applicable state and federal laws ensuring fair lending and equal access to credit, including but not limited to the federal Equal Credit Opportunity Act (“ECOA”), the Federal Reserve Board’s Regulation B (which implements ECOA) and the Fair Housing Act. The Policy is also adopted to prevent unlawful discriminatory practices in relation to its lending activities and to prevent unfair, deceptive and abusive practices.

EverBank will not discriminate with respect to any aspect of a credit decision on the basis of race, color, religion, national origin, sex, marital status, disability, age (provided that an applicant has the capacity to enter into a binding contract), receipt of income from any public assistance program, sexual orientation, the good faith exercise of any rights under the federal Consumer Credit Protection Act. EverBank is also fully committed to the principle that all decisions related to the granting or servicing of credit should be made with consideration of safe and sound business practices. EverBank takes appropriate steps to ensure that this Policy is applied consistently and continuously through all aspects of its credit operations, including product design, marketing and advertising, loan application, underwriting, pricing, collection, servicing, and loss mitigation activities.

If you believe that you have been subject to discrimination, you may send your complaint to one or all of the following addresses:


OCC Customer Assistance Group
P.O. Box 53570 
Houston, TX 77052


Department of Housing and Urban Development (HUD)
451 7th Street, SW 
Washington, DC 20410
For processing under the Federal Fair Housing Act


1700 G Street, NW 
Washington, DC 20052


Homeowners Assistance Review Team
P.O. Box 2167
Jacksonville, FL 32232


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