1. STATE AND FEDERAL LICENSING
Oso Creek Mortgage is a registered trade name and DBA of Mark Eric Stillman, doing business as Oso Creek Financial.

NMLS Unique Identifier: NMLS #1636298
Individual NMLS License: NMLS #289388
California Department of Real Estate: 01878219

To verify our licensing status, you can visit the official NMLS Consumer Access website at www.nmlsconsumeraccess.org.

2. EQUAL HOUSING LENDER STATEMENT
Oso Creek Mortgage is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of the applicant’s income derives from any public assistance program.

3. FTC SAFEGUARDS & GLBA DISCLOSURE
Oso Creek Mortgage strictly maintains a comprehensive information security program to protect consumer non-public personal information (NPI) in accordance with the FTC Safeguards Rule and the Gramm-Leach-Bliley Act (GLBA).

Please note the following regarding this website:

• This website serves strictly as an informational and marketing platform.
• No sensitive financial data, social security numbers, tax documents, or full 1003 loan applications are collected, transmitted, or stored on this website’s servers.
• All official loan applications and sensitive document uploads are routed securely through our designated, fully encrypted third-party loan origination portals, which maintain independent bank-level compliance security protocols.