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Privacy Policy

The Hometown Mortgage Co. is committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data.

Last Updated: January 1, 2023

1. Introduction

The Hometown Mortgage Co. ("Company," "we," "us," or "our"), NMLS# 2645893, operates the website located at www.mortgagekenny.com (the "Site") and provides mortgage lending services in the state of Utah. We are licensed under Utah DRE Mortgage Office License # 14186007.

This Privacy Policy describes how we collect, use, disclose, and protect information that we obtain from and about visitors to our Site and customers who apply for or receive our mortgage products and services. It also describes your choices regarding use, access, and correction of your personal information.

By accessing or using our Site, or by submitting an application or inquiry, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our Site or services.

2. Information We Collect

We collect information in several ways depending on how you interact with us:

A. Information You Provide Directly

When you submit a loan application, contact form, or request a rate quote, we may collect:

  • Full legal name, date of birth, and Social Security Number
  • Current and previous addresses, phone numbers, and email address
  • Employment history, income, and asset information
  • Credit history and financial account information
  • Property information for the home being purchased or refinanced
  • Government-issued identification documents
  • Any other information required to process your mortgage application

B. Information Collected Automatically

When you visit our Site, we automatically collect certain technical information, including:

  • IP address and approximate geographic location
  • Browser type, version, and operating system
  • Pages visited, time spent on pages, and referring URLs
  • Device identifiers and browser cookies
  • Clickstream data and interaction logs

C. Information from Third Parties

We may receive information about you from third parties in connection with processing your mortgage application, including credit bureaus (Equifax, Experian, TransUnion), employers, financial institutions, appraisers, title companies, and government agencies.

3. How We Use Your Information

We use the information we collect for the following purposes:

Mortgage Processing: To process, underwrite, and close your mortgage loan application, including verifying your identity, income, assets, and creditworthiness.
Communication: To respond to your inquiries, provide customer service, send application status updates, and communicate important information about your loan.
Legal & Regulatory Compliance: To comply with applicable federal and state laws, including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Housing Act, and Gramm-Leach-Bliley Act (GLBA).
Fraud Prevention & Security: To detect, investigate, and prevent fraudulent transactions, identity theft, and other illegal activities.
Site Improvement: To analyze usage patterns, improve our website functionality, and enhance the user experience.
Marketing: With your consent, to send you information about our loan products, rates, and services that may be of interest to you. You may opt out at any time.

4. Sharing Your Information

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

Mortgage Transaction Parties

We share your information with parties necessary to complete your mortgage transaction, including investors, lenders, title companies, escrow agents, appraisers, real estate agents, and government agencies (e.g., FHA, VA, USDA, Fannie Mae, Freddie Mac).

Service Providers

We share information with third-party vendors who assist us in operating our business, such as loan origination software providers, credit reporting agencies, document management services, and IT providers. These parties are contractually obligated to protect your information.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you of any such change.

With Your Consent

We may share your information with third parties when you have given us your explicit consent to do so.

5. Financial Privacy (GLBA Notice)

As a mortgage lender, we are subject to the Gramm-Leach-Bliley Act (GLBA), which requires us to provide you with a notice of our privacy practices regarding your nonpublic personal financial information (NPI).

What we collect: We collect NPI from you (e.g., application information, income, assets, credit history) and from third parties (e.g., credit bureaus, employers) to process your mortgage application.

What we disclose: We may disclose NPI to affiliates and non-affiliated third parties as permitted by law, including to service providers who assist us in processing your loan and to investors who purchase your loan.

How we protect your information: We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your NPI.

Your opt-out rights: You have the right to opt out of certain disclosures of your NPI to non-affiliated third parties. To exercise this right, please contact us using the information in the "Contact Us" section below.

6. Cookies & Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your experience and analyze site usage.

Essential Cookies: Required for the Site to function properly. These cannot be disabled.
Analytics Cookies: Help us understand how visitors interact with our Site (e.g., pages visited, time on site). We use anonymized analytics data to improve our website.
Marketing Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns. These are only set with your consent.

You can control cookies through your browser settings. Note that disabling certain cookies may affect the functionality of our Site. For more information about cookies, visit www.allaboutcookies.org.

7. Data Security

We implement industry-standard security measures to protect your personal and financial information from unauthorized access, disclosure, alteration, and destruction. These measures include:

  • SSL/TLS encryption for all data transmitted through our Site
  • Secure, access-controlled systems for storing loan application data
  • Regular security assessments and employee training
  • Compliance with federal and state data security requirements
  • Limited access to personal information on a need-to-know basis

While we take reasonable steps to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

8. Your Rights & Choices

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

Access: You may request a copy of the personal information we hold about you.
Correction: You may request that we correct inaccurate or incomplete information about you.
Deletion: You may request deletion of your personal information, subject to our legal obligations to retain certain records (e.g., mortgage loan files must be retained for a minimum period under federal law).
Opt-Out of Marketing: You may opt out of receiving marketing communications from us at any time by clicking the 'unsubscribe' link in any email or by contacting us directly.
Data Portability: Where applicable, you may request that we provide your personal information in a portable, machine-readable format.

To exercise any of these rights, please contact us using the information in the "Contact Us" section below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

9. Children's Privacy

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

10. Third-Party Links

Our Site may contain links to third-party websites, including our online loan application portal (my1003app.com) and other service providers. These websites have their own privacy policies, which we encourage you to review. We are not responsible for the privacy practices or content of third-party websites. The inclusion of a link does not imply our endorsement of the linked site.

11. Changes to This Privacy Policy

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 policy and, where appropriate, notify you by email or by posting a prominent notice on our Site.

Your continued use of our Site or services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to report a privacy concern, please contact us:

The Hometown Mortgage Co.
NMLS# 2645893 | Utah DRE License # 14186007
kennyf@thehtmortgage.com
(801) 520-8475

We will respond to privacy-related requests within 30 days of receipt. For requests related to your mortgage loan file, please note that certain records are subject to mandatory retention requirements under federal and state law.

Legal Disclaimer: The Hometown Mortgage Co. NMLS#: 2645893 | Utah DRE Mortgage Office License # 14186007. All loans subject to credit and property approval. The Hometown Mortgage Co. is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.