California Consumer Privacy Act Notice
My Mortgage Company, Inc. · NMLS #2269164 · CA DRE #02168831 · Effective: April 2026
This California Consumer Privacy Act (CCPA) Notice, as amended by the California Privacy Rights Act (CPRA), applies to California residents and supplements our Privacy Policy. It describes your rights under California law and how My Mortgage Company, Inc. collects, uses, and discloses personal information.
Personal Information We Collect
In the past 12 months, we have collected the following categories of personal information from California residents:
| Category | Examples | Collected |
|---|---|---|
| Identifiers | Name, email, phone, mailing address, IP address, SSN (for loan processing) | Yes |
| Financial information | Bank account info, credit history, income, assets, employment records | Yes |
| Internet / network activity | Browsing history on our Site, pages viewed, referral source | Yes |
| Geolocation data | General location derived from IP address | Yes |
| Professional / employment | Employer name, job title, income (for loan qualification) | Yes |
| Sensitive personal information | Social Security number, financial account credentials (collected only as required for loan processing) | Yes |
| Protected classifications | Race, sex, ethnicity (collected for HMDA compliance only — not used for lending decisions) | Yes |
Purposes for Collecting Personal Information
- Processing and evaluating your mortgage loan application
- Complying with federal and state legal obligations (HMDA, GLBA, ECOA, etc.)
- Verifying identity and preventing fraud
- Communicating with you about your loan, rates, and services
- Improving our website and marketing our services
Disclosure of Personal Information
In the past 12 months, we have disclosed the following categories of personal information for business purposes:
- Identifiers — shared with lenders, title companies, and service providers
- Financial information — shared with lenders, underwriters, and credit bureaus
- Internet activity — shared with analytics providers (in aggregate or de-identified form)
- Protected classifications — disclosed to government agencies for HMDA compliance only
We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising.
Your California Privacy Rights
As a California resident, you have the following rights under CCPA/CPRA:
Right to Know
You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources from which we collected it, the purposes for collection, and the categories of third parties with whom we share it.
Right to Delete
You may request deletion of personal information we have collected from you, subject to certain exceptions (e.g., information needed to complete a transaction, comply with a legal obligation, or for fraud prevention).
Right to Correct
You may request that we correct inaccurate personal information we maintain about you.
Right to Opt Out of Sale / Sharing
We do not sell or share your personal information for cross-context behavioral advertising. No opt-out action is required.
Right to Limit Use of Sensitive Personal Information
You may request that we limit our use of sensitive personal information (such as your SSN or financial account data) to purposes necessary to provide services to you.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA/CPRA rights. We will not deny you services, charge different prices, or provide a different level of service because you exercised a privacy right.
How to Submit a Privacy Request
To exercise any of your rights above, submit a verifiable consumer request by:
- Calling us at (805) 249-0131
- Emailing us at omar@mymtgco.com with the subject line "CCPA Request"
We will acknowledge receipt within 10 business days and respond substantively within 45 calendar days of receiving a verifiable request. If additional time is needed, we will notify you.
To verify your identity, we may ask you to provide information that matches what we have on file. You may also designate an authorized agent to submit a request on your behalf. We will require written authorization and may verify your identity directly.
Financial Privacy & GLBA Exemption
Much of the personal information we collect in connection with mortgage loan applications is subject to the Gramm-Leach-Bliley Act (GLBA) rather than the CCPA. To the extent GLBA applies, it governs our collection, use, and disclosure of your nonpublic personal financial information.
Contact for Privacy Matters
My Mortgage Company, Inc. — Privacy
5500 Ming Ave, Ste 340, Bakersfield, CA 93309
My Mortgage Company, Inc. · CA DRE #02168831 · NMLS #2269164 · Omar L. Ortiz · DRE #02056548 · NMLS #951384 · 5500 Ming Ave, Ste 340, Bakersfield, CA 93309 · (805) 249-0131 · omar@mymtgco.com
Licensed by the California Department of Financial Protection and Innovation. NMLS Consumer Access: nmlsconsumeraccess.org