California Privacy Policy (CCPA/CPRA)

Who This Notice Covers

This notice applies to California residents whose personal information we collect in connection with mortgage banking and brokerage services, including loan application, processing, underwriting, closing, funding, and servicing.

Your Rights Under the CCPA/CPRA

As a California resident, you may have the following rights regarding your personal information:

• Right to Know/Access: Request the categories and specific pieces of personal information we collected about you in the preceding 12 months; the categories of sources; the business or commercial purposes; and the categories of third parties to whom we disclosed personal information.
• Right to Delete: Request deletion of personal information we collected from you, subject to legal and regulatory retention requirements and other permitted exceptions.
• Right to Correct: Request correction of inaccurate personal information maintained by us.
• Right to Opt Out of Sale/Sharing: We do not sell or “share” your personal information for cross-context behavioral advertising.
• Right to Limit Use of Sensitive Personal Information: We use sensitive information only as necessary to provide services you request, meet legal obligations, prevent fraud, and ensure security. We do not use it for additional purposes that would trigger a limitation right.
• Non-Discrimination: You will not be discriminated against for exercising any of your privacy rights.

Categories of Personal Information We Collect

Depending on your interactions with us, we may collect the following categories of personal information:

• Identifiers (e.g., name, postal address, email address, phone number, Social Security number, IP address).
• Financial Information (e.g., income, assets, bank/account details, loan balances, payment history).
• Employment and Education Information (e.g., employer, position, income verification, education as relevant to underwriting).
• Commercial Information (e.g., loan products applied for or obtained, transaction records).
• Internet or Network Activity (e.g., interactions with our website or online forms).
• Inferences (e.g., creditworthiness or eligibility determinations derived from application data).
• Sensitive Personal Information (e.g., Social Security number) strictly for identity verification, underwriting, closing, and servicing, consistent with legal requirements.

Sources: We collect information directly from you; from transactions with us; from consumer reporting agencies/credit bureaus; from third-party service providers (e.g., verification vendors); and from investors/correspondent lenders involved in funding or servicing your loan.

How We Use Personal Information

• Evaluate and process loan applications and provide mortgage services.
• Service and administer loans, including communications about your account.
• Comply with federal and state laws and regulations (e.g., identity verification, reporting, audit).
• Prevent fraud, maintain security, and ensure integrity of our systems.
• Improve our products, services, and website experience.

We do not sell or rent your personal information and do not share it for cross-context behavioral advertising.

Disclosure of Personal Information

We may disclose personal information to the following categories of recipients, as necessary to provide requested services or as required by law:

• Our employees and licensed loan officers who need the information to provide services.
• Investors or correspondent lenders who may fund, purchase, or service your loan.
• Third-party service providers (e.g., credit bureaus, verification vendors, compliance and audit providers, document custodians, secure IT/cloud providers) under contractual obligations to protect confidentiality.
• Government agencies and regulators, law enforcement, or other parties when required by law or to protect rights, safety, and security.

We do not disclose personal information to data brokers, aggregators, or unrelated marketing companies.

How to Exercise Your Rights

You or your authorized agent may submit a request by:

• Phone: (559) 432-8221
• Email: info@mvloans.com
• Online: CCPA Request Form

To protect your privacy, we will verify your identity (and the authority of any agent) before fulfilling requests. Verification steps may vary depending on your relationship with us and the sensitivity of the information requested.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy and to meet legal, regulatory, accounting, or reporting requirements, including applicable mortgage record-retention rules.

Contact Us

If you have questions about this California Privacy Policy or our practices, please contact us:

Updates to This California Privacy Policy

We may update this California Privacy Policy from time to time. Any changes will be posted on this page with a new “Last Updated” date.

For information about our overall privacy practices, please see our Privacy Policy.