California Mortgage Direct Privacy Policy
Effective Date: January 19, 2002
Last Updated: July 16, 2025
California Mortgage Direct (“CMD”), powered by American Mortgage Network, a National Direct Lender, is committed to protecting your privacy and handling your personal information in a transparent and secure manner. This Privacy Policy explains what information we collect, how we use and share it, your rights, and the choices you have regarding our use of your information when you visit CaliforniaMortgageDirect.com or otherwise interact with our Services.
1. Scope
This Policy applies to all personal information collected through our website (CaliforniaMortgageDirect.com), mobile applications, telephone interactions, and any other services we provide (collectively, the “Services”). It also describes our practices as a national mortgage lender under American Mortgage Network.
2. Information We Collect
a. Information You Provide Directly
- Identity & Contact Data: Name, postal address, email, phone number
- Loan Application Data: Social Security Number, date of birth, employment, income, assets/liabilities, credit history, property details
- Financial Account Data: Bank account and routing numbers, payment history
- Authentication & Security Data: Usernames, passwords, security questions
- Communications: Any content you submit via email, chat, phone, or in-person
b. Information Collected Automatically
- Technical Data: IP address, browser type/version, operating system, device identifiers
- Usage Data: Pages visited, links clicked, time spent on pages, referring URLs
- Location Data: Approximate geolocation derived from IP address
- Cookies & Tracking: Cookies, web beacons, pixel tags, local storage
c. Information from Third Parties
- Credit Bureaus: Credit scores and reports
- Public Records: Property ownership, court records
- Service Providers: Identity verification, fraud detection, marketing platforms
3. How We Use Your Information
We process personal information for the following purposes:
- Loan Origination & Servicing
- Underwrite, process, close, and service mortgage loans
- Regulatory Compliance & Risk Management
- Prevent fraud, detect money laundering, comply with GLBA, RESPA, TILA, and other laws
- Customer Service & Support
- Respond to inquiries, schedule appointments, provide account updates
- Marketing & Communications
- Send newsletters, promotional offers, and personalized loan recommendations (you may opt-out at any time)
- Site & Product Improvement
- Analyze site usage, enhance functionality, develop new features
- Legal Obligations
- Respond to subpoenas, court orders, or other legal processes
4. How We Share Your Information
We may disclose personal information to:
- Affiliated Entities: American Mortgage Network and its subsidiaries for loan processing and servicing
- Service Providers: Title companies, escrow agents, IT providers, credit bureaus, marketing vendors (under confidentiality agreements)
- Government & Regulators: CFPB, state mortgage regulators, law enforcement as required by law
- Consumers Reporting Agencies: For credit inquiries and reporting loan performance
- Marketing Partners (with consent): Third-party offers only if you opt in
GLBA Privacy Notice
Under the Gramm-Leach-Bliley Act, American Mortgage Network provides a separate GLBA Privacy Notice that details our information-sharing practices and your opt-out rights. Please review that notice here.
5. Cookies & Tracking Technologies
We use cookies and similar technologies to:
- Essential Cookies: Enable core site functionality
- Performance Cookies: Gather analytics (e.g., Google Analytics)
- Marketing Cookies: Deliver and measure targeted advertising
Your Choices: You may disable or delete cookies via your browser settings, but some parts of the Services may not function properly.
6. Third-Party Links & Embedded Content
Our Services may link to or embed content from third-party sites (videos, social feeds). We do not control their privacy practices; please review their policies before submitting personal data.
7. Data Security
We maintain administrative, technical, and physical safeguards—such as encryption, firewalls, and access controls—to protect your information. Access is limited to personnel and vendors with a legitimate business need. While we strive for robust security, no system is impenetrable.
8. Data Retention
We retain personal information only as long as necessary for the purposes outlined in this Policy, to satisfy legal requirements, resolve disputes, and enforce agreements. When no longer needed, we delete or anonymize it in a secure manner.
9. Children’s Privacy
Our Services are not directed to children under 13. We do not knowingly collect information from minors. If we discover we have inadvertently gathered data from a child under 13, we will promptly delete it.
10. Your Rights & Choices
For California Residents (CCPA/CPRA)
- Right to Know & Access: Request the categories or specific pieces of personal information we’ve collected
- Right to Delete: Request deletion of your personal information, subject to certain exceptions
- Right to Opt-Out of Sale/Sharing: Instruct us not to share your personal information with our marketing partners (no traditional “sales” are conducted)
- Right to Non-Discrimination: You will not be penalized for exercising your privacy rights
Other Jurisdictions & Federal Rights
- Access & Correction: Request access to or correction of personal data
- Opt-Out of Marketing: Unsubscribe from marketing communications via the link in any email or by contacting us
- Restrict Processing or Object: Where applicable under GDPR or similar laws
11. Exercising Your Rights
To submit a request, please contact:
California Mortgage Direct
Attn: Privacy Officer
347 3rd Ave 2nd Floor
San Diego, CA 91910
Phone: 877-354-1110
Email: privacy@californiamortgagedirect.com
We may require verification of your identity before fulfilling certain requests. We will respond within the timeframe required by applicable law (generally 30 days).
12. Changes to This Policy
We may update this Privacy Policy periodically. When we make significant changes, we will revise the “Last Updated” date and, where appropriate, notify you by email or via a notice on our website.
California Mortgage Direct is powered by American Mortgage Network, NMLS #1833427. Your privacy is our priority—thank you for trusting us with your home financing needs.