Privacy Policy

Personal Information You Provide: When you submit a loan inquiry, pre-approval application, contact form, or otherwise communicate with us, we may collect: your full name, email address, phone number, mailing address, Social Security Number (for credit and loan applications), date of birth, employment and income information, asset and liability information, property information, and any other information you voluntarily provide.

Information Collected Automatically: When you visit our website, we automatically collect certain technical information including your IP address, browser type and version, operating system, referring URLs, pages viewed, time spent on pages, and other usage data through cookies and similar tracking technologies.

Information from Third Parties: We may receive information about you from credit bureaus, lenders, real estate agents, title companies, and other third parties in connection with processing your mortgage application.

We use the information we collect for the following purposes:

• To process and evaluate your mortgage loan application
• To communicate with you about your application, loan options, and account status
• To verify your identity and conduct required due diligence
• To comply with applicable federal and state laws and regulations, including RESPA, TILA, ECOA, HMDA, and the Gramm-Leach-Bliley Act
• To respond to your inquiries and provide customer support
• To send you information about mortgage products, interest rates, and services that may be relevant to you (with your consent where required)
• To improve our website, services, and user experience
• To detect and prevent fraud and unauthorized activity
• To fulfill any other purpose for which you provide the information

We do not sell your personal information. We may share your information in the following circumstances:

• Lenders and Financial Institutions: To submit your loan application and obtain loan offers on your behalf.
• Credit Bureaus: To obtain credit reports as required for loan processing.
• Service Providers: With trusted third-party vendors who assist us in operating our website, processing applications, and providing services (subject to confidentiality obligations).
• Legal Compliance: When required by law, court order, or government authority, or to protect our rights and the safety of our clients.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• With Your Consent: For any other purpose with your explicit consent.

All third parties with whom we share your information are required to maintain the confidentiality and security of your personal information and are prohibited from using it for any purpose other than providing services to us.

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand where our visitors are coming from. Cookies are small data files placed on your device.

We use the following types of cookies: Essential Cookies (required for the website to function), Analytics Cookies (to understand how visitors use our site, such as Google Analytics), and Marketing Cookies (to deliver relevant advertising).

You can control cookies through your browser settings. Note that disabling certain cookies may affect the functionality of our website. For more information about Google Analytics and how to opt out, visit tools.google.com/dlpage/gaoptout.

We implement industry-standard administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include SSL/TLS encryption for data transmission, secure servers, access controls, and regular security assessments. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately.

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete information.
• Deletion: Request that we delete your personal information, subject to legal retention requirements.
• Opt-Out of Marketing: Unsubscribe from marketing communications at any time by contacting us or using the unsubscribe link in our emails.
• Data Portability: Request that we provide your data in a portable format where technically feasible.

To exercise any of these rights, please contact us at craig@summit-lending.com or call (541) 228-9888. We will respond to your request within 30 days. Please note that certain information may be retained as required by law or for legitimate business purposes.

Our website may contain links to third-party websites, including lender portals, real estate platforms, and government resources. We are not responsible for the privacy practices of these third-party sites and encourage you to review their privacy policies before providing any personal information.

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

As a licensed mortgage broker, Summit Lending Solutions, LLC is subject to the Gramm-Leach-Bliley Act (GLBA), which governs the collection, use, and protection of nonpublic personal financial information.

What We Collect: We collect nonpublic personal information about you from applications and forms you submit, transactions with us or our affiliates, and consumer reporting agencies.

What We Disclose: We may disclose your nonpublic personal information to financial service providers (such as lenders and title companies) to process your loan, as permitted or required by law, and to protect against fraud.

Confidentiality and Security: We restrict access to your nonpublic personal information to those employees and service providers who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you in the past 12 months.
• Right to Delete: You may request deletion of personal information we have collected, subject to certain exceptions.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt-Out of Sale/Sharing: We do not sell or share your personal information for cross-context behavioral advertising.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To submit a CCPA request, contact us at craig@summit-lending.com or (541) 228-9888. We will verify your identity before processing your request.

Summit Lending Solutions, LLC is licensed in the following states and complies with applicable state privacy laws in each jurisdiction:

• Arizona (AZ-MB#0944661): Regulated by the Arizona Department of Insurance and Financial Institutions.
• Colorado (CO-#1678996): Regulated by the Colorado Division of Real Estate. Colorado residents have rights under the Colorado Privacy Act (CPA).
• Idaho (ID-MBL#9449): Regulated by the Idaho Department of Finance.
• Oregon (OR-ML#5637): Regulated by the Oregon Division of Financial Regulation. Oregon residents have rights under the Oregon Consumer Privacy Act (OCPA).
• Washington (WA-CL#1678996): Regulated by the Washington Department of Financial Institutions. Washington residents have rights under the Washington My Health MY Data Act and the Washington Privacy Act.
• Wyoming (WY-#3129): Regulated by the Wyoming Division of Banking.

Residents of any of these states may contact us to exercise their applicable state privacy rights.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the “Last Updated” date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: