Privacy Policy

Scope

This policy applies to information we collect through our website, online forms, phone and text communications, loan applications and related document exchanges, and in the course of originating, closing, funding, selling, purchasing, or servicing mortgage loans.

Information We Collect

We may collect nonpublic personal information about you from the following sources:

• Information you provide on applications, online forms, or other documents (e.g., name, address, email, phone number, Social Security number, income, assets, liabilities, employment details, property information).
• Transaction and servicing information related to your interactions with us, our affiliates, or other parties (e.g., loan terms, balances, payment history, communications, servicing activity).
• Consumer reporting agencies (e.g., credit reports, credit scores, credit history).
• Service providers and verification sources (e.g., appraisal, title, fraud prevention, identity verification, income/asset verification vendors).
• Website and device data (e.g., IP address, cookies and similar technologies, pages viewed, referring URLs, and interactions with forms or content).

How We Use Information

We use personal information solely to provide and improve mortgage services, including to:

• Evaluate your eligibility, underwrite, process, close, fund, sell, purchase, and/or service mortgage loans.
• Communicate with you about your application, loan status, document requests, servicing, and required notices.
• Detect, investigate, and prevent fraud, abuse, and security incidents; manage risk and compliance.
• Comply with applicable laws, regulations, and audits; maintain records and fulfill reporting obligations.
• Operate, analyze, and improve our websites, products, and services.

How We Share Information

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

We may disclose information as follows, limited to what is necessary to provide requested services or as required by law:

• Internal personnel: Employees and licensed loan officers who need the information to assist you.
• Investors/correspondent lenders: Financial institutions or investors that may fund, purchase, or service your loan.
• Service providers: Trusted vendors under contract (e.g., credit bureaus, appraisal, title/escrow, verification, document custody, secure IT/cloud, compliance/audit) that must protect confidentiality and use data only for our purposes.
• Affiliates: Where permitted by law, to help serve your financial needs. You may contact us to limit certain affiliate information sharing, where applicable.
• Legal/regulatory: Government agencies, regulators, law enforcement, or other parties when required by law or to protect rights, safety, and security.

SMS/Text Messaging

If you provide your mobile number, we may send non-promotional text messages related to your mortgage application, loan status, document requests, servicing alerts, or payment reminders. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP. For assistance, reply HELP or contact us using the information below.

We do not use SMS to solicit new loans or send unrelated promotional offers. SMS program participation is not required to apply for or obtain a loan.

Data Security

We maintain administrative, physical, and technical safeguards designed to protect personal information against unauthorized access, use, modification, and disclosure. Access is limited to personnel and partners with a legitimate business need, and our service providers are required to protect confidentiality and security.

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, and reporting requirements, including applicable mortgage record-retention rules.

Your Choices

• Affiliate sharing limits: You may contact us to limit certain information sharing with affiliates where permitted by law.
• SMS opt out: Reply STOP to any text from us, or contact us to opt out of SMS communications.
• Cookies and tracking: You can manage browser settings to block or delete cookies. Some features may not function properly without cookies.

Click to Manage Your Communication Preferences

Children’s Privacy

Our services are intended for adults and are not directed to individuals under the age of 16. We do not knowingly collect personal information from children under 16.

Changes to This Privacy Policy

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

Contact Us

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

California Privacy Rights (CCPA/CPRA)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (as amended by the CPRA). To learn more and exercise these rights, please see our California Privacy Policy. You can submit requests at https://www.mvloans.com/about/ccpa-request/.