Legal

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Disclosures

In accordance with the legal Equal Credit Opportunity Act, Co/LAB Lending does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Co/LAB Lending” is a registered trademark of Munar Mortage, LLC. 2220 E. College Avenue, State College, PA 16801.

Decision times are usually within 48 hours. Preapproval is determined by a number of factors. Not everyone will qualify.

Legal Notice Regarding Our Mortgage / Payment Calculators

Our calculators are intended for planning and education purposes only. The figures are based on the numbers shown on the payment calculator. The interest rate, APR, and payment amount may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors. Chart data is for illustrative purposes only. Costs displayed here are not necessarily all inclusive and can vary based on numerous factors. Rates are subject to change without notice. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice and should not be used as your sole source of information. Rates assume a credit score of 740 or higher, single family home for a purchase mortgage. Wyndham Capital Mortgage strives to keep the information accurate and up to date but does not guarantee the applicability of the above terms in regards to your individual circumstances. APR = Annual Percentage Rate.

Decision Times

Decision times are usually within 24 hours. There are times when the volume of pre-qualifications may slow the process down.

Licenses

Co/LAB Lending, LLC supports the legal Equal Housing Opportunity. NMLS ID #1219828 (www.nmlsconsumeraccess.org) | 877-314-1499. Co/LAB Lending is licensed by the Pennsylvania Department of Banking; Florida Office of Financial Regulation; Illinois Department of Financial & Professional regulation; Maryland Office of the Commissioner of Financial Regulation; North Carolina Commissioner of Banks; Ohio Department of Commerce; The Virginia Bureau of Financial Institutions; The Office of the Commissioner of Financial Institutions of Puerto Rico. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “Co/LAB Lending” is a registered trademark of Munar Mortgage, LLC. 2220 E. College Avenue, State College, PA 16801.

Co/LAB Lending is licensed in and has branch office locations in Pennsylvania and Puerto Rico:

  • Erie PA Branch: Pennsylvania Department Of Banking NMLS# | 1520524
    • 8795 Peach Street, Erie, PA 16509
    • Branch Manager, Eric Varner, NMLS# 1701818
  • Harrisburg PA Branch: Pennsylvania Department Of Banking NMLS# | 1632282
    • 4400 Linglestown Road, Suite 223, Harrisburg, PA 17112
    • Branch Manager: Andres Munar, NMLS# 142275
  • State College PA Branch: Pennsylvania Department Of Banking NMLS# | 1704210
    • 2220 E. College Avenue, State College, PA 16801
  • Meadville PA Branch: Pennsylvania Department Of Banking NMLS# | 1808638
    • 15957 Conneaut Lake Road, Unit 10, Meadville, PA 16335
    • Branch Manager, Megan Marsh, NMLS#134230
  • Erie, PA, Village Commons Branch: Pennsylvania Department Of Banking NMLS# | 1808630
    • 2564 Village Common Drive, Erie, PA 16506
    • Branch Manager, Monica Karnes, NMLS# 1701761
  • Wexford, PA, Branch: Pennsylvania Department Of Banking NMLS# | 2192801
    • 11269 Perry Hwy, Suite 300, Wexford, PA 15090
    • Branch Manager, Rich Piroch, NMLS# 146068
  • San Juan, Puerto Rico: The Office of the Commissioner of Financial Institutions of Puerto Rico NMLS# | 2228417
    • 1666 Av. Juan Ponce de León, San Juan, 00909, Puerto Rico
    • Branch Manager, Andres Munar, NMLS# 142275

Co/LAB Lending is licensed in Florida, Illinois, Maryland, North Carolina, and Ohio but with no branch offices.

  • Florida License #MBR3179
  • Illinois License #MB.6761467
  • Maryland License #1219828
  • North Carolina License #B-198544
  • Ohio License #RM.804561.000
  • Virgina License #MC-7277

Co/LAB Lending Loan Officers:

  • Andres Munar | NMLS# 142275
    • Pennsylvania Department Of Banking;
    • Florida Office of Financial Regulation;
    • Illinois Department of Financial & Professional Regulation;
    • The Office of the Commissioner of Financial Institutions of Puerto Rico;
  • Megan Marsh | NMLS# 134230
    • Pennsylvania Department Of Banking;
    • Maryland Office of the Commissioner of Financial Regulation;
    • North Carolina Commissioner of Banks;
    • Ohio Department of Commerce;
    • Illinois Department of Financial & Professional Regulation;
    • The Virginia Bureau of Financial Institutions
  • Michelle McCain | NMLS# 1160203
    • Pennsylvania Department Of Banking;
  • Opie Hughes | NMLS# 1688723
    • Pennsylvania Department Of Banking;
  • Austin Waters | NMLS# 1683328
    • Pennsylvania Department Of Banking;
  • Mike Cawley | NMLS# 228908
    • Pennsylvania Department Of Banking;
    • Illinois Department of Financial & Professional Regulation;
  • Brian Allen | NMLS# 145600
    • Pennsylvania Department Of Banking;
  • Kendy Alvarez | NMLS# 1124137
    • Pennsylvania Department Of Banking;
  • Keith T. Caughey | NMLS# 146620
    • Pennsylvania Department Of Banking;
  • Monika Proffitt | NMLS# 1919517
    • The Office of the Commissioner of Financial Institutions of Puerto Rico;
  • Eric Adrover | NMLS# 2094516
    • Pennsylvania Department Of Banking;
  • Matthew Cobb | NMLS# 1978682
    • The Office of the Commissioner of Financial Institutions of Puerto Rico;
  • Christopher Posch | NMLS# 2230870
    • Pennsylvania Department Of Banking;
  • Kevin Schneck | NMLS# 2149778
    • Pennsylvania Department Of Banking;

State Official Notices

State of Illinois Community Reinvestment Notice

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the
Department.

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Contact Us

Call For Preapproval: 1.800.280.2022
Email: sales@colablending.com

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Co/LAB Lending, LLC supports the legal EqualHousing Opportunity. NMLS ID #1219828 (www.nmlsconsumeraccess.org) | 877-314-1499.