Website Privacy Policy

National One Mortgage Corp | NMLS 246740

Last updated September 17, 2026

This Privacy Policy explains how National One Mortgage Corp ("National One," "we," "us," or "our") collects, uses, discloses, retains, and protects personal information through NationalOneMortgage.com, our online forms and applications, and related digital communications and services (collectively, the "Services").

This Policy applies to website visitors, prospective borrowers, applicants, borrowers, former customers, and people who communicate with us. It does not replace a financial privacy notice, loan disclosure, electronic-consent disclosure, adverse-action notice, or other transaction-specific notice that federal or state law requires us to provide separately.

1. Information We Collect

Information You Provide

We may collect information that you submit through an inquiry, application, document portal, email, telephone call, text message, chat, or other communication, including:

• Contact and identity information, such as your name, postal address, email address, telephone number, date of birth, Social Security number, and government-issued identification information.
• Financial and credit information, such as income, employment, assets, liabilities, housing expenses, bank or financial-account information, credit history, credit scores, and payment history.
• Loan and property information, such as the property address, estimated value, purchase price, loan amount, loan purpose, occupancy, property type, and product preferences.
• Documents and communications that you provide to support an inquiry, application, transaction, complaint, or request.

Information Collected Automatically

When you use the Services, we and our service providers may collect your internet protocol address, browser and device information, operating system, unique identifiers, referring and exit pages, pages viewed, links clicked, dates and times of activity, approximate location derived from an IP address, and information about how you interact with the Services.

We may use cookies, tags, pixels, web beacons, analytics tools, chat tools, and similar technologies for security, functionality, analytics, communications, and advertising measurement. Your browser or device may permit you to block or delete cookies, although doing so may affect website functionality. Where applicable law requires a consent or opt-out mechanism, we will provide it through the website or the relevant collection point.

Information From Other Sources

We may obtain information from credit-reporting agencies, identity-verification and fraud-prevention providers, public records, real estate professionals, settlement-service providers, insurance providers, appraisers, lead sources, marketing providers, affiliates, investors, government agencies, and other persons involved in a proposed or completed transaction. We obtain and use consumer reports only when permitted by law.

2. How We Use Information

We may use personal information to:

• Respond to inquiries and provide requested information.
• Evaluate eligibility; accept, verify, process, underwrite, price, originate, fund, close, sell, transfer, or otherwise administer mortgage loans.
• Communicate about inquiries, applications, transactions, documents, account administration, and customer service.
• Verify identity; prevent, detect, investigate, and respond to fraud, security incidents, unlawful activity, and other risks.
• Comply with legal, regulatory, licensing, investor, audit, reporting, contractual, and record-retention obligations.
• Operate, secure, troubleshoot, personalize, evaluate, and improve the Services.
• Measure website use and advertising performance.
• Send marketing communications when permitted by law and when any required consent has been obtained.
• Carry out another purpose disclosed at or before collection, at your direction, or as otherwise permitted by law.

3. How We Disclose Information

We may disclose personal information as reasonably necessary for the purposes described above to:

• Mortgage investors, warehouse lenders, secondary-market participants, insurers, government-sponsored enterprises, and government agencies involved in mortgage programs.
• Credit-reporting agencies and providers of identity, income, employment, asset, property, fraud, and eligibility verification services.
• Service providers and contractors that support hosting, data storage, cybersecurity, information technology, document management, communications, analytics, customer support, application processing, closing, and related functions.
• Real estate professionals, settlement and title providers, escrow companies, insurance providers, appraisers, attorneys, notaries, and other transaction participants.
• Regulators, law-enforcement agencies, courts, government authorities, and persons involved in legal process.
• A successor or other party involved in a merger, financing, sale, transfer, reorganization, bankruptcy, or similar business transaction.
• Other persons when you direct us to disclose information, provide consent, or the disclosure is otherwise permitted or required by law.

We do not sell personal information for money. Some website analytics or advertising activities may be treated as a "sale," "sharing," or targeted advertising under certain state privacy laws even when no money changes hands. Where such a law applies, we will provide any required disclosure and opt-out mechanism and will honor qualifying opt-out preference signals, including Global Privacy Control, as required by law.

4. Financial Privacy

Because we provide or arrange financial products and services, federal and state financial-privacy laws may govern particular information and disclosures. We provide applicable notices and choices under the Gramm-Leach-Bliley Act and Regulation P, the Fair Credit Reporting Act and Regulation V, and state financial-privacy laws. This Website Privacy Policy is not a substitute for our initial, annual, revised, or transaction-specific financial privacy notices.

5. State Privacy Rights

Depending on where you live and whether a particular law applies to us or to the information involved, you may have the right to confirm whether we process your personal information; access, correct, delete, or obtain a portable copy of it; opt out of its sale, sharing, targeted advertising, or certain profiling; limit certain uses of sensitive personal information; and appeal a decision concerning a request. Applicable exemptions may limit these rights, including exemptions for financial institutions, affiliates, information, or activities regulated by the Gramm-Leach-Bliley Act or other federal law.

To submit a privacy request, email Customer@National1Mortgage.com, call 800-429-4443, or write to us at 6700 Indiana Avenue, Suite 130, Riverside, California 92506. Please state that you are making a privacy request and identify your state of residence. We may request information reasonably necessary to verify your identity, authority, and request. Authorized agents must provide proof of authority, and we may separately verify the request with the consumer. We will not unlawfully discriminate against you for exercising an applicable privacy right.

California Residents

California residents may have rights under the California Consumer Privacy Act, as amended, and other California laws. The categories of personal information we may collect are described in Section 1; the purposes are described in Section 2; and the categories of recipients are described in Section 3. These categories may include identifiers, customer-record information, protected classification information when provided or required by law, commercial and transaction information, internet or electronic activity, geolocation information, professional or employment information, inferences, and sensitive personal information used to evaluate or administer a mortgage transaction, verify identity, prevent fraud, or satisfy legal obligations.

We retain each category of personal information only for as long as reasonably necessary for the purpose for which it was collected or another permitted purpose, considering mortgage and consumer-finance recordkeeping requirements, legal and contractual obligations, fraud prevention, dispute resolution, and the sensitivity of the information. We do not use or disclose sensitive personal information for purposes that require a right to limit under California law unless we first provide the required notice and control.

Residents of Texas Tennessee Florida Oklahoma Alabama Arizona and South Carolina

Residents of these states may have privacy, security, and breach-notification protections under applicable state law. Texas and Tennessee have comprehensive privacy laws in effect, subject to statutory thresholds and exemptions. Oklahoma’s comprehensive privacy law takes effect January 1, 2027, and Alabama’s takes effect May 1, 2027. Florida’s Digital Bill of Rights applies only to specified covered businesses. Arizona and South Carolina currently rely principally on sector-specific, security, breach-notification, and consumer-protection laws for an ordinary mortgage website. We will provide and honor applicable rights when a law applies to us or to the information involved.

6. Calls Text Messages and Email

If you ask us to contact you, we may communicate about your inquiry or application. Marketing calls, texts, prerecorded messages, artificial-voice messages, or automated communications require the separate consent presented at the relevant collection point when applicable. Acceptance of this Policy or the Website Terms of Use does not by itself provide that consent. Consent is not a condition of purchasing a product or obtaining a service. You may revoke communications consent by any reasonable method, including replying STOP to a text message, using an unsubscribe link in a marketing email, calling us, or emailing us at the contact information below. Message and data rates may apply, and message frequency varies.

7. Retention

We retain personal information for as long as reasonably necessary to complete transactions, maintain business and financial records, comply with mortgage, fair-lending, licensing, investor, audit, tax, security, and other legal obligations, resolve disputes, enforce agreements, prevent fraud, and protect our rights. Retention periods vary by record type and legal requirement. We may deny or limit a deletion request when retention is required or permitted by law.

8. Security

We maintain an information-security program designed to protect personal information against unauthorized access, acquisition, use, alteration, and disclosure. Safeguards may include administrative, technical, and physical controls, access restrictions, authentication, encryption or other protective measures, monitoring, employee training, vendor oversight, incident response, and secure disposal. No internet transmission or storage system is completely secure. Do not send Social Security numbers, passwords, bank-account information, or sensitive documents through ordinary email; use the secure method we provide.

9. Children

The Services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13 through the Services. If we learn that such information was submitted without appropriate authorization, we will take reasonable steps to delete it.

10. Third Party Websites

The Services may link to third-party websites or services. Their privacy practices are governed by their own policies, not this Policy. We do not control and are not responsible for third-party content, security, availability, or privacy practices.

11. Changes to This Policy

We may update this Policy when our practices, technology, legal obligations, or business relationships change. We will post the updated version and revise the last-updated date. We will provide any additional notice or obtain any consent required by law before applying a material change.

12. Contact Us

National One Mortgage Corp Attn Privacy Officer 6700 Indiana Avenue, Suite 130, Riverside, California 92506 Customer@National1Mortgage.com 800-429-4443 NationalOneMortgage.com NMLS 246740