We Only Lend to Christians?

Below is the text of an e-mail message that I received on my University computer (identifications redacted):

Hi my name is Pastor XXXXX. I am the Senior Pastor at the First XXXXXX Church in XXXXXX, Connecticut. I am also on the board of directors at a company called Christian Mortgage. We are a mortgage refinance company based on christian principles.

  

We can help you refinance your mortgage and get a lower monthly payment.

Your next mortgage payment could be HUNDREDS less per month. We try our best to help ALL Christians. Even if your credit is not the best, or if you have been denied by other lenders, we can still help you!

  

Our foreclosure rate is lower then the average because we only lend to Christians. This helps us get you the lowest monthly mortgage payment. We work with over 100 of the biggest banks and financial institutions. We have them compete against each other to get you the lowest monthly payment.

  

I thought it was important to tell you this because your home is the most important and expensive asset in your life. Your family will have a better life if your mortgage payment is hundreds less every month. To see what your new monthly payment would be, go to our website and fill out the form.

 Here is our website: www.ChristianMortgage.org

God Bless you and your loved ones,

Pastor XXXXXXX

Senior Pastor - First XXXXXXXX Church http://FirstXXXXXXChurch.org

  

Psalm 136:26 Give thanks to the God of heaven, for his steadfast love endures forever.

I'm confused.  

1. What does "only lending to Christians" have to do with there being a lower foreclosure rate and a lower monthly payment, and

2. How does this organization avoid the Equal Credit Opportunity Act?