Privacy Policy

Effective Date: 08-25-2026

Last Updated: 08-25-2026

This Privacy Policy explains how Mortgage Wholesale ("Company", "We", "Us" or "Our") collects, uses, shares, and protects information when you visit our website at https://www.mortgagewholesale.com (the "Site") or interact with us in connection with mortgage brokerage services.

This policy is intended to comply with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act ("GLBA") and Regulation P, which govern how financial institutions and mortgage brokers handle nonpublic personal information ("NPI"). This website Privacy Policy supplements, and does not replace, any separate GLBA/Regulation P privacy notice We are required to provide You in connection with an actual loan application or financial product.

By using the Site, You agree to the practices described in this policy. If You do not agree, please do not use the Site.

1. Information We Collect

a. Information You Provide Directly

When You fill out a form, request a quote, apply for pre-approval, or otherwise contact Us, We may collect:

• Name, email address, phone number, and mailing address
• Property type, loan purpose, estimated loan amount, and other scenario details You provide
• Employment or income information You voluntarily share (e.g., self-employed, investor, W-2)
• Any other information You choose to include in a message or form field

We do not collect Social Security numbers, full financial account numbers, or other sensitive application-level data through this website. That information, if required, is collected later in a secure loan application process outside this Site.

b. Information Collected Automatically

When You browse the Site, We (and Our service providers) may automatically collect:

• IP address, browser type, device type, and operating system
• Pages viewed, time on page, referring URL, and general navigation behavior
• Approximate geographic location (derived from IP address)
• Cookie and similar tracking data (see Our separate Cookies Policy for details)

c. Information from Third Parties

If You proceed with a loan inquiry, We may receive information about You from:

• Wholesale lending partners You are matched with
• Credit reporting agencies (only in connection with an actual loan application, and only with Your authorization, as governed by the Fair Credit Reporting Act)
• Publicly available property or public records databases

2. How We Use Your Information

We use the information We collect to:

• Respond to Your inquiries and provide requested rate quotes or loan program information
• Match You with an appropriate wholesale lending partner and loan program
• Communicate with You about Your inquiry, application status, or account (by phone, email, or text message, consistent with Your consent)
• Improve, secure, and analyze performance of the Site
• Comply with legal, regulatory, and licensing obligations applicable to mortgage brokers
• Detect and prevent fraud or unauthorized activity

We do not use the information You submit through this Site to make any final lending or underwriting decision. Those decisions are made by Our wholesale lending partners based on their own criteria and required disclosures.

3. How We Share Your Information

We may share Your information with:

• Wholesale lenders and lending partners — to obtain quotes, process Your inquiry, or facilitate a loan application on Your behalf.
• Service providers — vendors who help Us operate the Site, host data, send communications, or provide analytics, bound by confidentiality and data protection obligations.
• Legal and regulatory authorities — when required by law, subpoena, court order, or to comply with mortgage licensing/regulatory obligations (including state regulators and the NMLS).
• Successors — in connection with a merger, acquisition, or sale of company assets, subject to standard confidentiality protections.

We do not sell Your personal information to third parties for their own independent marketing purposes.

Under GLBA, You may have the right to opt out of certain types of information sharing with unaffiliated third parties. Details of these rights, where applicable, are provided in Our separate GLBA privacy notice issued at the time of loan application.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to remember Your preferences, understand how visitors use the Site, and support advertising or retargeting efforts, where applicable. For full details on the categories of cookies We use and how to manage them, please see Our Cookies Policy.

If We use any live chat, chatbot, or similar third-party widget on the Site, that provider may independently collect information (such as chat transcripts) subject to their own privacy practices, which We encourage You to review.

5. Your Privacy Choices

Marketing Communications: You may opt out of marketing emails at any time using the unsubscribe link included in those emails. You may opt out of marketing calls or text messages by replying "STOP" (for texts) or contacting Us directly using the information in Section 9.

Text Messaging (SMS) Consent: If You provide Your phone number and consent to receive text messages, message and data rates may apply, and message frequency may vary. Consent to receive texts is not a condition of obtaining any loan product.

California Residents: If You are a California resident, You may have additional rights under the California Consumer Privacy Act ("CCPA")/California Privacy Rights Act ("CPRA"), including the right to know what personal information We collect, request deletion (subject to legal exceptions, including recordkeeping obligations under financial services law), and opt out of the "sale" or "sharing" of personal information. We do not sell personal information as defined by CCPA. To exercise these rights, contact Us using the information in Section 9.

Other State Privacy Laws: Residents of certain other states may have similar rights under applicable state privacy laws. Contact Us to make a request, and We will respond consistent with applicable law.

6. Data Security

We maintain administrative, technical, and physical safeguards designed to protect Your information, consistent with Our obligations under the GLBA Safeguards Rule. However, no method of transmission or storage is 100% secure, and We cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal and regulatory recordkeeping obligations applicable to mortgage brokers (which may require retention for several years after an inquiry or transaction), and resolve disputes.

8. Children's Privacy

The Site is not directed to individuals under the age of 18, and We do not knowingly collect personal information from children. If You believe a child has provided Us with personal information, please contact Us so We can delete it.

9. Third-Party Links

The Site may contain links to third-party websites (including lending partners or resource sites). We are not responsible for the privacy practices of those third parties. We encourage You to review their privacy policies independently.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Material changes will be posted on this page; continued use of the Site after changes constitutes acceptance of the revised policy.

11. Contact Us

If You have questions about this Privacy Policy or wish to exercise any of the rights described above, contact Us:

• By email: [email protected]
• By phone: 805-419-3319
• NMLS #380097