Your Privacy

Privacy Policy

Effective Date: October 5, 2026

At Equitable Lending, we respect the privacy and security of your personal and financial information.

This Privacy Policy explains how Equitable Lending collects, uses, discloses, retains, and protects information obtained through our website and in connection with mortgage inquiries, applications, transactions, customer-service interactions, and related services.

This Privacy Policy also explains our practices concerning mobile telephone numbers and SMS/MMS messaging consent.

Equitable Lending

NMLS #1124483

California DRE #01941713

2824 South Robertson Boulevard

Los Angeles, CA 90034

Phone: (877) 885-0111

1
Information We Collect

Depending on your interaction with Equitable Lending, we may collect information including:

Personal Information

Name
Mailing address
Property address
Email address
Telephone number
Date of birth
Social Security number or other identification information when required for a mortgage transaction

Financial Information

Information related to evaluating or processing a mortgage transaction may include:

Income
Employment
Assets
Bank account information
Liabilities
Debts
Credit information
Mortgage information
Property information
Insurance information
Other financial information necessary to evaluate or process an application

Application and Transaction Information

We may collect information you provide in connection with:

Mortgage inquiries
Applications
Prequalifications
Preapprovals
Loan processing
Underwriting
Closing
Funding
Servicing or customer-service activities

Documents

Depending on the transaction, we may receive documents including:

Bank statements
Pay statements
Tax documents
Employment documents
Identification
Asset documentation
Property documents
Insurance documents
Other documentation necessary to process or evaluate a mortgage transaction

Website and Technical Information

When you use our website, we may automatically collect certain technical information such as:

IP address
Browser type
Device information
Operating system
Website usage information
Pages viewed
Referring URLs
Cookies or similar technologies

SMS and Mobile Information

If you voluntarily opt in to receive SMS/MMS messages from Equitable Lending, we may collect:

Your mobile telephone number
The date and time of consent
The method through which consent was provided
Consent status
Messaging history
Opt-out requests
HELP requests
Other information necessary to administer the messaging program

Providing a telephone number alone does not constitute consent to receive SMS/MMS messages.

2
How We Use Information

We use information for legitimate mortgage-lending, customer-service, operational, security, legal, and compliance purposes.

These purposes may include:

Mortgage Inquiries and Applications

To:

Respond to mortgage inquiries
Evaluate loan eligibility
Process mortgage applications
Verify information
Obtain required documentation
Communicate regarding an application
Process, underwrite, close, fund, or service a transaction

Customer Service

To:

Respond to questions
Provide requested information
Provide application or loan-file updates
Resolve customer-service requests
Communicate regarding documents, appointments, processing, underwriting, closing, or funding

Legal and Regulatory Compliance

To comply with applicable federal, state, and local requirements, court orders, regulatory requirements, licensing requirements, recordkeeping obligations, and other legal obligations.

Fraud Prevention and Security

To:

Verify identity
Prevent fraud
Detect unauthorized activity
Protect consumers
Protect our systems, employees, customers, and business

Business Operations

To operate, maintain, secure, and improve our website, systems, mortgage operations, communications, and services.

3
SMS/MMS Messaging Privacy

This section applies specifically to the Equitable Lending SMS/MMS messaging program.

SMS Program Purpose

Equitable Lending is a Direct Lending financial institution.

Equitable Lending uses SMS/MMS messaging only for informational, transactional, application-related, and customer-service communications with consumers who have directly interacted with Equitable Lending and provided the applicable consent.

Messages may include:

Mortgage inquiry follow-up
Application follow-up
Application-status updates
Loan-file updates
Document requests and reminders
Appointment confirmations and reminders
Processing updates
Underwriting updates
Closing and funding updates
Responses to consumer questions
Other communications directly related to an existing mortgage inquiry, application, transaction, or loan file

Equitable Lending does not use this SMS program to send marketing or promotional text messages.

SMS Consent

SMS consent must be provided separately and affirmatively.

When consent is collected through our website, consumers voluntarily select a dedicated SMS consent checkbox.

The checkbox is not preselected.

SMS consent is not required to submit an inquiry, apply for financing, or purchase any product or service.

Submitting a website form or providing a mobile telephone number alone does not constitute SMS consent.

SMS Data Is Not Shared for Marketing

We do not sell or share your SMS opt-in data or personal information with third parties for marketing purposes.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

This includes:

Mobile telephone numbers
SMS opt-in records
SMS consent records
Messaging preferences
Opt-out information
SMS interaction data

SMS opt-in information and consent will not be sold, rented, transferred, or shared with third parties or affiliates for their own marketing or promotional purposes.

We may disclose information to vendors and service providers acting on our behalf solely as necessary to provide and support the SMS messaging service, such as telecommunications, messaging-platform, technology, security, and infrastructure providers.

Those providers may use the information only as necessary to perform services for Equitable Lending and not for their own marketing or promotional purposes.

Message Frequency

Message frequency varies.

Message frequency depends on the consumer's mortgage inquiry, application, loan-file activity, documentation needs, appointments, processing, underwriting, closing, funding, and related customer-service interactions.

Message and Data Rates

Message and data rates may apply.

Wireless carriers may charge according to the terms of the consumer's mobile service plan.

SMS Opt-Out

Consumers may opt out of SMS messages at any time.

Reply STOP to opt out.

After an opt-out request is processed, the consumer will no longer receive messages through the applicable SMS program unless new consent is subsequently provided.

A one-time confirmation message may be sent confirming the opt-out.

SMS Help

Reply HELP for help.

Consumers may also contact:

(877) 885-0111

support@equitableusa.com

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Please also review our Terms and Conditions for complete SMS/MMS program terms.

4
How We Disclose Information

Equitable Lending may disclose personal information when reasonably necessary to conduct mortgage-lending operations, provide requested services, fulfill transactions, maintain business operations, or comply with applicable law.

Depending on the transaction, information may be disclosed to parties including:

Mortgage and Transaction Service Providers

These may include:

Credit reporting agencies
Verification providers
Appraisal management companies
Appraisers
Title companies
Escrow companies
Settlement-service providers
Insurance providers
Fraud-prevention providers
Identity-verification providers
Document-processing providers
Underwriting or processing service providers
Loan-servicing providers

Financial Institutions and Mortgage Participants

Where necessary for the applicable mortgage transaction, information may be disclosed to entities involved in processing, underwriting, funding, purchasing, insuring, guaranteeing, servicing, auditing, or conducting quality-control reviews of a mortgage loan.

These may include, where applicable:

Financial institutions
Correspondent lenders
Wholesale lenders
Loan investors
Loan purchasers
Government-sponsored enterprises
Government agencies
Insurers or guarantors

Any such disclosure is subject to applicable mortgage, privacy, and financial-services laws.

Technology and Operational Providers

Information may be provided to companies that assist Equitable Lending with functions such as:

Website hosting
Cloud infrastructure
Cybersecurity
Customer relationship management
Document storage
Electronic signatures
Email delivery
SMS delivery
Telephone systems
Compliance
Analytics
Fraud prevention

These providers are permitted to use information only as appropriate to provide services to Equitable Lending and subject to applicable contractual and legal restrictions.

Legal and Regulatory Disclosures

We may disclose information where permitted or required by law, including disclosures to:

Government agencies
Regulatory authorities
Courts
Law enforcement
Auditors
Compliance professionals
Other parties where disclosure is legally required or reasonably necessary to protect legal rights

Business Transfers

If Equitable Lending undergoes a merger, acquisition, restructuring, financing transaction, sale of assets, or similar corporate transaction, information may be transferred as part of that transaction subject to applicable law.

Important SMS Exception

Regardless of other provisions in this Privacy Policy:

Mobile telephone numbers, SMS opt-in data, and SMS consent will not be sold or shared with third parties or affiliates for their marketing or promotional purposes.

5
We Do Not Sell SMS Consent

Equitable Lending does not sell, rent, or trade SMS consent information or mobile telephone numbers to advertisers, lead generators, data brokers, affiliates, or other third parties for their independent marketing or promotional use.

SMS opt-in information is used only for administering communications the consumer has expressly agreed to receive and for supporting the operation of the messaging program.

6
Information Security

We use administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure.

Security measures may include:

Encryption where appropriate
Access controls
Authentication
Secure data transmission
Secure storage
System monitoring
Employee access restrictions
Vendor-management controls
Security policies and procedures

No internet transmission or electronic storage system can be guaranteed to be completely secure.

7
Data Retention

We retain information for as long as reasonably necessary to:

Process and maintain mortgage transactions
Fulfill the purposes for which information was collected
Maintain business and transaction records
Satisfy regulatory and licensing requirements
Comply with federal and state record-retention requirements
Respond to legal proceedings
Resolve disputes
Enforce agreements
Prevent fraud and maintain security

Different categories of information may be subject to different retention periods.

When information is no longer reasonably required and we are not legally required to retain it, we may delete, destroy, or de-identify it in accordance with our applicable procedures.

8
Credit Reports and FCRA

In connection with a mortgage application and where authorized or otherwise permitted by law, Equitable Lending may obtain consumer reports from consumer reporting agencies.

Information obtained from consumer reports may be used to evaluate a mortgage application and for other purposes permitted by the Fair Credit Reporting Act and applicable law.

Where required, consumers will receive applicable notices relating to the use of consumer reports and adverse-action decisions.

9
Cookies and Similar Technologies

Our website may use cookies and similar technologies for purposes such as:

Website functionality
Security
Remembering preferences
Measuring website usage
Diagnosing technical problems
Understanding website performance

Depending on applicable law and our website configuration, additional cookie choices or disclosures may be provided through our website.

10
Consumer Privacy Rights

Depending on where you live and applicable law, you may have rights concerning personal information, which may include rights to:

Request access to certain personal information
Request correction of inaccurate information
Request deletion of certain information
Obtain information about categories of information collected
Obtain information concerning certain disclosures
Limit certain uses or disclosures where applicable
Opt out of certain processing where applicable
Obtain a portable copy of certain information
Exercise privacy rights without unlawful discrimination

These rights may be subject to exceptions under applicable federal or state law, including mortgage lending, financial-services, record-retention, fraud-prevention, and regulatory requirements.

We may verify your identity before processing a privacy request.

11
California Privacy Rights

California residents may have additional rights under applicable California privacy laws.

Depending on the circumstances and applicable exemptions, these may include rights to:

Know what personal information is collected
Request access
Request correction
Request deletion
Receive information about certain disclosures
Opt out of certain sales or sharing where applicable
Limit certain uses of sensitive personal information where applicable
Exercise privacy rights without discrimination

Equitable Lending will process applicable verified privacy requests according to applicable law.

Consumers may contact us using the information in Section 16.

If Equitable Lending provides a "Do Not Sell or Share My Personal Information" link or other privacy-preference mechanism on the website, preserve that link and functionality as required by applicable law.

Nothing concerning California privacy rights changes our SMS policy: mobile information and SMS consent will not be shared with third parties or affiliates for marketing or promotional purposes.

12
Other State Privacy Rights

Residents of certain other states may have additional privacy rights under applicable state law.

Where applicable, these rights may include access, correction, deletion, data portability, and rights relating to certain forms of targeted advertising, profiling, sale, or sharing of personal information.

Requests may be submitted using the contact information below.

13
Children's Privacy

Our services are intended for adults seeking mortgage-related services.

We do not knowingly collect personal information online from children under 13.

If we learn that personal information from a child under 13 was collected through our website without appropriate authorization, we will take reasonable steps to delete it as required by applicable law.

14
Third-Party Websites

Our website may contain links to websites operated by other organizations.

Equitable Lending is not responsible for the privacy practices, security, or content of third-party websites.

Consumers should review the privacy policies of those websites before providing personal information.

Links are provided for convenience only.

15
Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect:

Changes in our business practices
Changes in technology
Changes in services
Changes in legal or regulatory requirements
Changes in our messaging practices

When this Privacy Policy is updated, the revised Effective Date will be displayed at the top of the page.

Changes to this Privacy Policy do not create new SMS consent.

If new SMS consent is required, it will be obtained separately.

16
Contact Us

Questions about this Privacy Policy or requests concerning personal information may be directed to:

Equitable Lending

Address

2824 South Robertson Boulevard
Los Angeles, CA 90034

Contact