Effective Date: January 1, 2026
Last Updated: July 16, 2026
OnMortgage, LLC (“the Company,” “we,” “us,” or “our”) operates on-mortgage.com and provides residential and investor mortgage broker services. We are dedicated to safeguarding the privacy and security of your personal and financial data. This Privacy Policy and Legal Disclosures document outlines our protocols regarding the collection, deployment, disclosure, and sharing of user information, alongside required federal and state statutory disclosures.
Important Regulatory Note (GLBA Exemption Framework)
Information collected by OnMortgage, LLC in connection with an individual applying for, obtaining, or maintaining a financial product or service for personal, family, or household purposes is strictly regulated under the federal Gramm-Leach-Bliley Act (GLBA) and the Fair Credit Reporting Act (FCRA). This policy outlines our general digital, marketing, and web interaction practices. To view your specific rights, limitations, and opt-out permissions regarding non-public personal financial information (NPI), please refer directly to our federal GLBA Short-Form Privacy Notice delivered during loan application setup.
1. Comprehensive Categories of Information We Collect
We collect and manage several categories of information to accurately assess mortgage viability, deliver targeted communications, and meet stringent multi-state lending compliance standards.
A. Personal and Financial Information (User-Provided)
We collect legal names, email addresses, telephone numbers, home and mailing addresses, Dates of Birth, and Social Security Numbers (SSN). We also gather financial background data including certified income, active credit history reports, asset statements, debt-to-income indicators, tax documents, bank accounts, and employment history. Additionally, we collect property context such as target transaction asset valuations, property location parameters, occupancy intentions, and structural descriptions.
B. Non-Personal and Automatically Captured Information (Digital Footprint)
We automatically collect device and network metrics including Internet Protocol (IP) addresses, operating systems, localized browser architecture and versioning parameters, unique device tokens, and internet service provider (ISP) logs. We also track interaction logs such as comprehensive site clickstream paths, precise entry/exit pages, time and date stamps, localized engagement duration per page, and navigational selections within our online interface.
C. Information Sourced from Third-Party Licensed Portals
To identify optimization options in volatile lending markets, we license and procure commercial data matrices from licensed consumer reporting repositories, third-party demographic databases, credit scoring bureaus, public record data aggregators, and commercial marketing affiliates. This data includes credit tier indicators, existing property equity approximations, loan-to-value calculations, and verified consumer contact details.
2. Tracking Technologies, Pixels, and Social Retargeting
We deploy standard digital telemetry tools including HTTP cookies, web beacons, clear GIFs, and cross-context tracking pixels managed by third-party social media and search corporations (such as Meta Platforms, Inc., Alphabet Inc., and LinkedIn Corporation) to manage behavioral retargeting ad frameworks.
These pixels capture automated usage matrices (such as page interactions and loan calculator inputs) and forward them securely to social and search channels, allowing us to serve tailored digital ads regarding competitive mortgage rates to you across third-party applications and web networks.
If you prefer to stop receiving targeted advertising derived from your browsing actions on this site, you can manage your preferences via consumer choice mechanisms provided by the Digital Advertising Alliance (DAA) or Network Advertising Initiative (NAI). You can also configure your local browser to reject tracking cookies, though this may limit your access to our online calculators and digital applications.
3. Strategic Operational Use of Acquired Data
We utilize gathered information exclusively for processing, evaluating, underwriting, and brokering mortgage application structures. We also use this data for verifying consumer identity, evaluating systemic credit risk, and evaluating creditworthiness. Additionally, acquired data is used for executing social media re-engagement campaigns, custom audience matching, targeted programmatic offers, responding to user questions, delivering rate disclosures, sending promotional mortgage options, and maintaining adherence to multi-state regulatory obligations, state audits, NMLS rules, and federal CFPB guidelines.
4. Permissible Sharing and Disclosure of Personal Data
We do not lease, trade, or sell consumer personal information to third-party brokers for monetary consideration. However, we may share information with select business entities to complete your transactions as detailed below.
Lenders & Funding Networks
We share information with lenders and funding networks to evaluate, secure, and fund active mortgage commitments. This sharing is governed by strict investor-side privacy frameworks.
Credit Bureaus
We share data with credit bureaus to pull necessary credit data, background checks, and verification records under strict FCRA mandates.
Tech Providers & Contractors
We share data with tech providers and contractors to maintain CRM platforms, verify security, manage analytical tracking, and host secure systems. These entities are bound by confidentiality and data security agreements.
Regulatory & Legal Authorities
We disclose information to regulatory and legal authorities to satisfy formal subpoenas, civil actions, state audits, and CFPB compliance reporting strictly to the extent required by law.
5. Telephone Consumer Protection Act (TCPA) Mandatory Express Written Consent
By voluntarily supplying your phone number, executing an informational request on our portal, or initializing a digital lead capture mechanism, you provide your explicit prior express written consent authorizing OnMortgage, LLC, its agents, and its affiliate funding partners to contact you via voice calls, interactive pre-recorded messaging systems, automated artificial voice systems, AI agents, and text transmissions (SMS/MMS).
These communications may occur through an Automated Telephone Dialing System (ATDS) or automated CRM technology (including Go High Level). Consent is not an obligatory condition, directly or indirectly, to obtain a mortgage or secure any financial product or service. Message and data rates may apply, and message frequency varies. You may revoke consent at any time by replying STOP to any text transmission or contacting us directly. Reply HELP for assistance.
6. Data Security Infrastructure and Risk Management
We employ administrative, physical, and technical safeguards designed to shield personal information from unauthorized access, modification, or destruction. These measures include Advanced Encryption Standard (AES) protocols for data at rest and Transport Layer Security (TLS) infrastructure for data in transit.
Please note that no digital transmission network or remote data center can guarantee absolute protection against adaptive cyber-attacks. Consequently, we cannot guarantee complete immunity of your data from hostile intrusion, and interactions with our web systems are conducted at your own risk.
7. Multi-State Regulatory Consumer Privacy Rights
Depending on your state of residence (including Florida, Virginia, and Colorado), you may possess specific legal rights under state privacy statutes. Subject to certain statutory exemptions—particularly regarding GLBA financial data—you may be entitled to submit specific requests.
You have the Right to Know & Access, which allows you to request disclosure of the specific categories of personal information collected, sourced, and shared. You have the Right to Rectification to demand correction of inaccurate personal information. You also have the Right to Erase (Deletion) to request erasure of marketing-specific consumer profiles, subject to our regulatory record retention mandates under federal and state lending rules. Finally, you have the Right to Opt-Out of Targeted Advertising to restrict the sharing of data for cross-context behavioral advertising purposes.
To exercise any of these rights, please contact our Legal Compliance Division using the corporate contact details in Section 10 below.
8. Promotional Disclaimers and Terms
All loan products, credit extensions, and promotional offerings advertised on our website or social media channels are subject to underwriting guidelines, asset appraisal verifications, credit profile evaluations, and investor parameters. This documentation does not constitute an explicit commitment or legal promise to extend financing.
Our promotional closing credits (up to $10,000 or 1% of total purchase valuation) and appraisal incentives are subject to strict guidelines. These incentives require the utilization of pre-screened real estate specialists and are limited to closed, fully funded transactions brokered by OnMortgage, LLC. We reserve the right to alter or cancel promotional offers at any time without prior notification.
9. State Licensing Disclosures & Statutory Notices
OnMortgage, LLC is an Equal Housing Opportunity Lender and conducts business in accordance with the Fair Housing Act and Equal Credit Opportunity Act (ECOA). Our NMLS Unique Identifier is NMLS ID # 1889418. You may verify our licensing at www.nmlsconsumeraccess.org.
- Florida: Licensed as a Mortgage Broker by the Florida Office of Financial Regulation (OFR), License # MBR3482. Company NMLS 1889418.
- Colorado: Regulated by the Colorado Division of Real Estate under the Colorado Mortgage Company Registration.
- Michigan: Licensed by the Michigan Department of Insurance and Financial Services (DIFS) under First Mortgage Broker License #FL0025227.
- South Carolina: Licensed by the South Carolina Department of Consumer Affairs / State Board of Financial Institutions, Mortgage Broker License #South Carolina-DCA.
- Virginia: Licensed by the Virginia State Corporation Commission (Bureau of Financial Institutions) as a Mortgage Broker, License #MC-7834.
10. Legal Corporate Contact Details
For inquiries, programmatic opt-out demands, TCPA revocations, or regulatory questions regarding this policy, please contact our compliance department:
OnMortgage, LLC
Attn: Legal Compliance Division
333 S.E. 2nd Avenue, Suite 2000, Miami, FL 33131
Compliance Email: info@on-mortgage.com
NMLS Identification Number: 1889418
Florida Mortgage Broker License: MBR3482