Privacy Policy

Last Updated: March 16, 2026

LoanTree LLC ("LoanTree," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website loantreellc.com or interact with our services. LoanTree LLC is a licensed mortgage lender (NMLS #1974541).

1. Information We Collect

Information You Provide Directly

When you use our website, you may voluntarily provide us with the following types of information:

• Contact Information: Full name, email address, and phone number
• Loan Inquiry Information: Loan purpose, estimated home price, credit score range, and any messages you include in your inquiry

We do not collect Social Security numbers, bank account numbers, or other sensitive financial information through our website contact form. A credit check is not performed when you submit a pre-qualification inquiry through this website.

Information Collected Automatically

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

• IP address
• Browser type and version
• Device type and operating system
• Pages visited and time spent on each page
• Referring website URL

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your pre-qualification inquiry and connect you with a loan officer
• To provide you with information about mortgage products and rates
• To communicate with you about your loan inquiry via phone, email, or text message
• To improve our website and services
• To comply with legal and regulatory obligations
• To detect, prevent, and address fraud or other illegal activities

3. GLBA Privacy Notice (Gramm-Leach-Bliley Act)

As a financial institution, LoanTree LLC is subject to the Gramm-Leach-Bliley Act (GLBA). Under the GLBA, we are required to inform you of our policies regarding the collection, use, and sharing of nonpublic personal information (NPI).

• Categories of NPI Collected: We collect information you provide on applications and forms (such as name, address, income, and Social Security number during the formal loan application process), information about your transactions with us, and information from consumer reporting agencies.
• Sharing with Third Parties: We do not sell your personal information. We may share your information with third parties as permitted or required by law, including with service providers who assist us in processing your loan, with credit reporting agencies, and with government agencies as required by regulation.
• Opt-Out Rights: You have the right to opt out of certain information sharing. To exercise this right, contact us at info@loantreellc.com.
• Safeguarding Your Information: We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information.

4. California Residents — CCPA/CPRA Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information:

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You have the right to request the deletion of personal information we have collected from you, subject to certain exceptions.
• Right to Correct: You have the right to request correction of inaccurate personal information.
• Right to Opt-Out of Sale: We do not sell your personal information. However, you have the right to direct us not to sell your personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.

To exercise any of these rights, please contact us at info@loantreellc.com. We will respond to verifiable consumer requests within 45 days.

Note: Certain personal information collected in connection with mortgage lending transactions is exempt from the CCPA/CPRA under the GLBA exemption.

5. Cookies and Tracking Technologies

Our website uses minimal cookies that are necessary for the proper functioning of the site. We do not currently use third-party advertising trackers or analytics cookies that track you across other websites. If this changes in the future, we will update this policy and provide appropriate notice and consent mechanisms.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• HTTPS encryption for all data transmitted to and from our website
• Secure form submission through our hosting provider (Netlify)
• Access controls to limit who can view your personal information
• Regular review of our security practices

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

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations, resolve disputes, and enforce our agreements. Pre-qualification inquiry data is retained for a reasonable period consistent with industry standards and regulatory requirements.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party site you visit.

9. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about our data practices, please contact us: