Anti-Predatory Lending

How Do I Avoid Predatory Lenders?

Predatory Lending is any lending practice that imposes unfair or abusive loan terms on a borrower, through deceptive, coercive, exploitative, or unscrupulous actions for a loan that a borrower doesn't need, doesn't want, or can't afford.

Since 2002, the Urban Affairs Coalition worked with the City of Philadelphia and community lenders to offer flexible loans for eligible borrowers to provide options to avoid predatory lending agencies. 

How Can I Report Predatory Lenders?

Do not fall victim to predatory lending! Examples of redlining tactics or irregularities in mortgage include:

  • Difficulty getting an in-person appointment with a loan officer
  • Not receiving a written pre-approval or quote when the loan officer promised one
  • Not receiving return phone calls from a loan officer, and
  • Refusal to provide a loan application after the loan officer learns of the race of the applicant, the racial makeup of the neighborhood where the consumer intends to buy the home or other information relating to the racial or ethnic characteristics of the area.

Consumers who believe they may be victims of these types of tactics should contact the Office of Attorney General at or call the office’s Civil Rights section at (717) 787-0882.

Where Can I Learn More About Predatory Lenders?

UAC works with community organizations and groups to provide workshops on avoiding predatory lending, including what should be avoided, what scams look like, and what are other loan or financial assistance options. 

To schedule a free workshop for your organization or group, please call Kalie Wertz at 215-851-1847.

Where Can I Learn More About Options for Home Improvement?

Despite the close of the Mini-PHIL Home Improvement Loan, UAC still works with community organizations to provide home improvement workshops on a variety of topics such as avoiding scams, weatherization and choosing a contractor.

If you are interested in receiving a free workshop, please call Meagan Schaefer at 215-851-1847 today to schedule a date that works best for your group or organization.

Also check out our list of home improvement and contractor resources.



As of July 31st, 2017, both the Mini-PHIL and PHIL-Plus Home Improvement Loans have closed permanently.

Please refer to the other home repair options through the City of Philadelphia's Division of Housing & Community Development: 



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