Legal Overview

Last Updated: March 10, 2026

At 21st Century Lending, a division of Full Realty Services, Inc., we take consumer protection seriously. Below are helpful resources regarding compliance with consumer protection laws.

Legal Disclosures & State Licensing

View the list of licenses 21st Century Lending holds in each state.

NMLS Consumer Access

View 21st Century Lending’s profile on the Nationwide Multistate Licensing System and Registry at www.nmlsconsumeraccess.org. NMLS #241835.

Fee Schedule

The Fee Schedule is a list of common fees and costs that may be incurred in connection with a mortgage loan. Actual fee amounts and costs are subject to change and vary depending on applicable state law and/or agency guidelines and your loan documents.

Privacy Notice

Find out how 21st Century Lending shares your personal information. Our Privacy Notice explains how we share your personal information in accordance with federal law and applicable state law.

CCPA Privacy Notice

View 21st Century Lending’s California Consumer Privacy Act (CCPA) Privacy Notice, which describes the rights of California residents regarding their personal information.

21st Century Lending does not sell your personal information. To learn more or to submit a privacy request, please review our Do Not Sell or Share My Personal Information page.

Notice of Error / Requests for Information / General Complaints

Please submit a written notice of error, information request, or general complaint to 21st Century Lending’s compliance team, stating the specific error(s) you believe to have occurred, the specific information requested, or the nature of your complaint. Include your full name, loan number, and property address, and submit to:

21st Century Lending, Attn: Compliance

1169 Fairway Dr Suite 100

Walnut, CA 91789

Phone: (888) 862-1189

Email: compliance@21stcenturylending.com

Texas Disclosure — For Property Located in Texas

21st Century Lending is licensed under the laws of the State of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT (877) 276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

New York — For Property Located in New York

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

21st Century Lending is registered with the Superintendent of the New York State Department of Financial Services. Borrowers may file complaints and obtain further information about 21st Century Lending by contacting the New York Department of Financial Services Consumer Assistance Unit at (800) 342-3736 or by visiting the department’s website at www.dfs.ny.gov.

Contact Us

21st Century Lending

Attn: Compliance