Mortgage Loan Assistance & Originators

If you are having difficulty making the payment on your home loan with our bank and wish to avoid foreclosure, you may be eligible for a loan workout or modification. We determine eligibility for workouts and modifications on a case-by-case basis. Among the things we will consider is the value of your home and your capacity to make monthly mortgage payments.

To discuss your options and the best available solution for you, please call us at (866) 844-7500 and ask to speak to a representative from the Consumer Lending Department. Before you call us, it is important that you are prepared and have collected the following documentation so we can better assist you:

• Loan number
• Recent income documents (e.g., pay stubs)
• List of current expenses
• Recent tax returns
• Explanation of your current financial circumstances warranting assistance

You may also call the Department of Housing and Urban Development (HUD) at (800) 569-4287 to find a HUD-certified housing counseling agency. HUD-approved housing counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure. Additional information is available from HUD on its website at http://www.hud.gov

At Oak Valley Community Bank, all of our mortgage loan originators (MLOs) are registered with the Nationwide Mortgage Licensing System and Registry (NMLS). You can find a list of our MLOs and their NMLS registration numbers by calling us toll-free at 1-866-844-7500 or visit the NMLS website by clicking here and searching for Oak Valley Community Bank.

If you do not see the name and registration number of the MLO for which you are searching, please contact us at the toll-free number above. Additions and changes do not always appear immediately on the NMLS website.

Additional information is available from HUD on its website at http://www.hud.gov

If you think there has been an error in the servicing of your Home Mortgage, Home Equity Loan or Line of Credit (“Account”) or if you would like to request information about your account, please write to us at the following address:

Oak Valley Community Bank
Attn: Loan Servicing
125 N. 3rd Avenue
Oakdale, CA 95361

In your letter, please provide the following information:

• Account Information - name, loan number and property address
• Description of problem - explanation of what you believe is wrong and why it is an error
• Description of information requested - details describing the information you are requesting

You must send us a written notice of error or request for information at the address listed above. Notices and requests sent to other addresses may not be responded to in a timely manner.

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and the information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's website www.consumerfinance.gov/hmda.