Identity and Location Verification

To help the government fight funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also collect and consider information about you from non-credit reporting agency data providers, including, for example, information about your location and the location of your mobile devices, and publicly available information about you.You acknowledge that by clicking "Check Your Rate" and continuing with the application process, you understand and consent to loanDepot and a third party service provider and my mobile phone carrier to use geolocation services to verify the location of your mobile device.

Consent to Receive Calls & SMS Text Messages & Electronic Communication

Receipt of cellular phone calls (including text messages) may be subject to service provider charges. If you have listed a cell phone number above or provide an updated cell phone number, then you authorize loanDepot, individually, and on behalf of Cross River Bank, to call (including sending SMS text messages) using an automatic telephone dialing system or prerecorded message to your cell phone number to provide account information and services regarding your Cross River Bank or loanDepot loan.

loanDepot, individually or on behalf of Cross River Bank, may follow up in order to assist you with completion of your application, address any technical problems associated in completing your application, notification of transaction approval, payment reminders and collection efforts. If you do not want to receive calls (including SMS text messages) about your transaction you can email us at

When you visit or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent possible by law. We will communicate with you by email or by posting notices on this site. You agree that all agreements, notices, disclosures and other such communications be in writing to the extent permissible by law. You agree that we may send emails to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes we deem appropriate and as permissible by law.

Information Collection

PROVIDE ACCURATE INFORMATION. You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other financial institutions and you agree to not misrepresent your identity or your account information.

INSTANT ACCOUNT VERIFICATION SERVICE. By using the Instant Verification Service, you authorize “Company” loanDepot and its “Supplier” Yodlee to access third party sites designated by you, on your behalf, to retrieve information requested by you. For all purposes hereof, you hereby grant loanDepot and Supplier a limited power of attorney, and you hereby appoint loanDepot and Supplier as your true and lawful attorney-and-in-fact and agent, with full power of substitution, and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with full power and authority to do as you might or could do in person. You acknowledge and agree that when loanDepot or supplier accesses and retrieves information from third party sites, loanDepot and supplier are acting as your agent and not the agent or on behalf of the third party. You agree that the third party providers shall be entitled to reply on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Instant Verification Service is not endorsed or sponsored by any third party account providers accessible through the Instant Verification Service. You are licensing to Company and Supplier any information, data, passwords, materials or other content (collectively, “Content”) you provide through or to the Instant Account Verification Service. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Company and Supplier may use the Content for the purposes set out above, As between Company and Supplier, Company owns your confidential account information. The Account Verification Service is intended to verify your authority and access to external financial accounts by confirming your ability to access the external financial account. Your use of the Account Verification Service is subject to the terms and conditions of this Account Verification User Agreement and loanDepot’s User Agreement herein by reference. Proceeding with using this service constitutes your assent to and acceptance of this Agreement.

USE OF RESULTS LIMITED. You agree that the results of the Account Verification Service are for use by you and Company and its service providers only in connection with the loanDepot Service, on loanDepot’s website. You agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Instant Account Service.

LIMITATION OF LIABILITY. You agree that neither loanDepot nor supplier nor any of their affiliates, account providers or any of their affiliates will be liable for any direct, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if loanDepot or supplier has been advised of the possibility of such damages, resulting from the use or inability to use the instant verification service or any other matter relating to the instant verification service, including but not limited to (i) the cost of getting substitute goods and services, (ii) any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the instant verification service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of anyone on the instant verification service; or (v) the use, even if the provider has been advised previously of the possibility of such damages.

You agree that supplier is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Supplier were a party to this Agreement.