Privacy Policy & Financial Privacy Notice

              Last Updated: February, 2026

              At LoaningHub Inc. (NMLS ID: 2020084), we are committed to maintaining the trust and confidence of our clients. This Privacy Policy outlines how we handle Nonpublic Personal Information (NPI) and your rights under federal and state mortgage lending regulations.

              1. Information We Collect

              To provide expert mortgage services, we collect information that is protected under the Gramm-Leach-Bliley Act (GLBA), including:

              • Application Data: Income, assets, debts, and employment history.
              • Credit Information: Data from credit reporting agencies to determine loan eligibility.
              • Digital Identifiers: IP addresses and cookies used to improve our website's user experience.

              2. Communications & Marketing Disclosure (TCPA)

              By submitting a form on LoaningHub, you provide express written consent for LoaningHub Inc. to contact you via live agents, autodialers, and SMS/text messages at the number provided.

              • Single-Seller Consent: In compliance with the Jan 27, 2025 FCC ruling, your consent applies specifically to LoaningHub Inc. and not to unnamed third parties.
              • Opt-Out: Reply STOP to any text or call +1 (888) 400-1482 to be placed on our internal Do-Not-Call list.

              3. Mortgage Trigger Leads & Federal Protection

              LoaningHub Inc. does not sell or purchase 'trigger leads.' Under the Homebuyers Privacy Protection Act (effective March 2026), we advocate for your right to a spam-free mortgage process. We do not authorize credit bureaus to sell your data to competitors when we pull your credit report for a mortgage application.

              4. Affiliate Marketing & Your Opt-Out Rights (FCRA)

              We may share eligibility information with our affiliates for marketing purposes. You have the right to limit this sharing:

                • Opt-Out Period: Your choice to limit sharing lasts for at least 5 years.
                • How to Exercise: Email contact@loaninghub.com or mail your request to our Houston headquarters.

              5. State-Specific Rights

                  • Texas Residents: We comply with the Texas Data Privacy and Security Act (TDPSA).
                  • California Residents: Under the CCPA/CPRA, you have the right to request access to and deletion of your personal data not covered by GLBA exemptions.
                  • Vermont & North Dakota: We operate under 'Opt-In' rules for these states, meaning we will not share your info with non-affiliates without your prior consent.

              6. Data Security (FTC Safeguards Rule)

              We implement a comprehensive Written Information Security Program (WISP). This includes 256-bit encryption, Multi-Factor Authentication (MFA), and regular risk assessments to ensure your financial data remains secure.