US States Privacy Notice
This US States Privacy Notice (“Notice”) supplements the information in our Privacy Policy and applies to California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah and Virginia residents (“Consumer” or “you”) and California resident job applicants, employees, contractors, or former employees (“Employee or you”) as defined under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act of 2020; Colorado Privacy Act; Connecticut Data Protection Act ; Delaware Personal Data Privacy Act; Indiana Consumer Data Protection Act; Kentucky Consumer Data Protection Act; Iowa Consumer Data Protection Act; Maryland Online Data Privacy Act; Minnesota Consumer Data Privacy Act; Montana Consumer Data Privacy Act; Nebraska Data Privacy Act; New Hampshire Data Privacy Act; New Jersey Data Privacy Act; Oregon Consumer Privacy Act; Rhode Island Data Transparency And Privacy Protection Act; Tennessee Information Protection Act; Texas Data Privacy and Security Act; Utah Consumer Privacy Act; and the Virginia Consumer Data Protection Act, refenced in this notice as (“State or States”):
State privacy laws require a business that collects Consumer’s Personal Information (defined below) to inform you of the categories of Personal Information collected and the purposes for which the categories of Personal Information shall be used.
Subject to limitations and exemptions provided in this Notice, California, Colorado, Connecticut, Delaware, Indiana, Kentucky, Iowa, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah and Virginia consumers may have privacy rights as provided in this Notice. California CCPA also extends these rights to employees who are California residents.
Other laws also govern data we gather about you or that you provide to us including, but not limited to:
- Information to or from a consumer reporting agency if that information is to be reported in, or used to generate, a consumer report as defined by subdivision (d) of Section 1681a of Title 15 of the United States Code, and use of that information is limited by the federal Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.)
- Information collected, processed, sold, or disclosed pursuant to the federal Gramm– Leach–Bliley Act (Public Law 106–102) and implementing regulations, information processing if conducted by a Gramm–Leach–Bliley Act Institution, or the California Financial Information Privacy Act (Division 1.4 (commencing with Section 4050) of the Financial Code).
Limitations and Exemptions
California, Iowa, Minnesota, Montana, New Hampshire, Oregon, and Tennessee consumer Personal Information collected in relation to a mortgage loan is exempt from state consumer rights because this information is governed by the Gramm-Leach-Bliley Act, or other state and federal laws which exempt this data.
Colorado, Connecticut, Delaware, Indiana, Kentucky, Iowa, Maryland, Nebraska, New Jersey, Rhode Island, Tennessee, Texas, Utah and Virginia consumer Personal Information including, but not limited to, data collected in relation to a loan, is exempt from the consumer rights provided in this Notice, when collected by financial institutions subject to the Gramm-Leach-Bliley Act.
Information We Collect
loanDepot and its Affiliate companies (“Company” or “we”) collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“Personal Information”).
Consumer Personal Information
Consumer Personal Information pursuant to this notice is collected for a Business Purpose (see below) and may be shared with service providers if necessary to perform a Business Purpose. We may have collected the following categories of Personal Information from consumers within the last 12 months:
| Category | Examples | Does the Company collect this Category of Information? | Categories of Sources from which the Information was Collected | Business Purpose | Categories of third parties with whom the business shares this information |
|---|---|---|---|---|---|
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. | YES | Consumer Directly, Lead Providers | Mortgage loan origination and related services* | See below*** |
| B. Personal Information categories under state law | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information or medical information. Some personal information included in this category may overlap with other categories. | YES | Consumer Directly, Lead Providers | Mortgage loan origination and related services* Security, maintaining product and site quality or to enhance services** | See below*** |
| C. Protected classification characteristics under state or federal law | Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, veteran or military status, genetic information | YES | Consumer Directly, Lead Providers | Mortgage loan origination and related services* | See below*** |
| D. Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | YES | Consumer Directly, Government Entities, Lead Providers | Mortgage loan origination and related services* | See below*** |
| E. Biometric information | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | YES | Consumer directly | Mortgage loan origination and related services * Security, maintaining product and site quality or to enhance services** | see below*** |
| F. Internet or other similar network activity | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | YES | Consumer Directly, Lead Providers | Mortgage loan origination and related services* Security, maintaining product and site quality or to enhance services** | See below*** |
| G. Geolocation data | Physical location or movements. | NO | N/A | N/A | N/A |
| H. Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | NO | N/A | N/A | N/A |
| I. Professional or employment-related information | Current or past job history or performance evaluations. | YES | Consumer Directly, Government Entities, Lead Providers | Mortgage loan origination and related services* | See below*** |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | YES | Consumer Directly, Government Entities, Lead Providers | Mortgage loan origination and related services * | See below*** |
| K. Inferences drawn from other personal information | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | No | N/A | N/A | N/A |
| L. Sensitive Personal Information | Personal Information that reveals a consumer’s social security, driver’s license, state identification card, or passport number. A consumer’s account log-in, financial account, debit card, or credit card in combination with any required security or access code, password, or credentials allowing access to an account. A consumer’s precise geolocation, racial or ethnic origin, religious or philosophical beliefs, or union membership. The contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication. A consumer’s genetic data. The processing of biometric information for the purpose of uniquely identifying a consumer. | YES | Consumer Directly, Lead Providers | Mortgage loan origination and related services* Security, maintaining product and site quality or to enhance services** | See below*** |
* Related services may include, but are not limited to real estate services, insurance, escrow and other closing services, notary, appraisal, other consumer credit services, home warranty, and other services related to home purchase, home ownership, or related consumer transactions.
** Certain information may also be used to prevent, detect or investigate security events or fraud, for short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with the Company, to verify or maintain the quality or safety of a product, service, or device that is owned, or controlled by the Company, and to improve, upgrade, or enhance the service or device that is owned, or controlled by the Company, for purposes that do not infer characteristics about the consumer.
*** While we do not sell your data, we may share that data with our joint marketing partners and third parties assisting with the fulfillment of your loan, real estate, or other transaction on our behalf; such partners and third parties include credit card companies, financial services providers, realtors, builders and other residential real estate companies, home-related product or service providers, title companies, appraisers, insurance companies, underwriting services, printing companies, software providers, and purchasers of our loans. This sharing is done pursuant to federal law and is exempt from the State requirements.
We do not disclose or use sensitive personal data for any other purposes than provided above.
California Employees
Employee Personal Information pursuant to this notice that is collected for a Business Purpose and may be shared with service providers if necessary to perform a Business Purpose (see below). We may have collected the following categories of Personal Information from consumers within the last 12 months:
| Category | Examples | Does the Company collect this Category of Information? | Categories of Sources from which the Information was Collected | Business Purpose | Categories of third parties with whom the business shares this information |
|---|---|---|---|---|---|
| A. Identifiers | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. | YES | Job applicants or employees directly, our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities* | See below* |
| B. Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, any other financial information, or medical information. Some Personal Information included in this category may overlap with other categories. | YES | Job applicants or employees directly, our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities* Security, Access, and maintaining site quality.*** | See below** |
| C. Protected classification characteristics under California or federal law | Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, veteran or military status, genetic information. | YES | Job applicants or employees directly, our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities* | See below** |
| D. Commercial information | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | NO | N/A | N/A | N/A |
| E. Biometric information | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, gait, or other physical patterns, and sleep, health, or exercise data. | YES | Job Applicants or Employees Directly, | Job application or employment related activities* | See below** |
| F. Internet or other similar network activity | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | YES | Job applicants or employees directly, our websites, and or using web technologies | Security, Access, and maintaining site quality.*** | See below** |
| G. Geolocation data Physical location or movements. | Physical location or movements. | NO | N/A | N/A | N/A |
| H. Sensory data | Audio, electronic, visual, thermal, olfactory, or similar information. | YES | Job Applicants or Employees Directly, | Job application or employment related activities* | See below** |
| I. Professional or employment-related information | Current or past job history or performance evaluations. | YES | Job applicants or employees directly, our websites, third parties, service providers | Job application or employment related activities* | See below** |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)) | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | YES | Job applicants or employees directly, our websites, third parties, service providers, educational institutions. | Job application or employment related activities* | See below** |
| K. Inferences drawn from other Personal Information | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | YES | Job applicants or employees directly, our websites, third parties, service providers | Job application or employment related activities* | See below** |
| L. Sensitive Personal Information | Personal Information that reveals a consumer’s social security, driver’s license, state identification card, or passport number. A consumer’s account log-in, financial account, debit card, or credit card in combination with any required security or access code, password, or credentials allowing access to an account. A consumer’s precise geolocation, racial or ethnic origin, religious or philosophical beliefs, or union membership. The contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication. A consumer’s genetic data. The processing of biometric information for the purpose of uniquely identifying a consumer. | YES | Job applicants or employees directly, our websites, and or using web technologies, third parties, service providers, credit reporting agencies or government agencies. | Job application or employment related activities* | See below** |
* Related services may include job application processing, hiring and background screening, human resource-related administrative functions, benefits (including administration of benefits involving dependents and beneficiaries), employee career management, company correspondence and/or gifts, emergency response and contact information, employee relations, employment authorization, Equal Employment Opportunity Commission requirements, equity awards, expense reimbursement, Federal and State leave requirements, fulfillment of specific role based responsibilities, leaves of absence, call recording monitoring for training and quality, obtaining e-signatures, payroll access to loanDepot networks, applications and company information assets, performance reviews, pre-employment assessment, regulatory compliance, security and building access, special accommodations, state licensing requirements, tax purposes, training and education, work equipment distribution, and workplace monitoring.
** While we do not sell your data, we may share that data with affiliates, professional service providers, regulators and legal authorities and agencies. We also do not disclose or use personal data for any other purposes than provided above.
*** Certain information may also be used to prevent, detect or investigate security events or fraud, for short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with the company, to verify or maintain the quality or safety of a product, service, or device that is owned, or controlled by the company, and to improve, upgrade, or enhance the service or device that is owned, or controlled by the company, for purposes that do not infer characteristics about the consumer
State Privacy Rights
Below is a summary of rights that may be available to consumers under various state laws and/or California job applicants, employees, and former employees. This summary may not constitute your entire set of privacy rights. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing the privacy rights of consumers, job applicants, employees or former employees.
As provided under the Limitations and Exemptions section above, Data Subjects Rights do not apply for California, Iowa, Minnesota, Montana, New Hampshire, Oregon, and Tennessee Consumer information collected, processed, or disclosed pursuant to the federal Gramm–Leach–Bliley Act (Public Law 106–102).
Colorado, Connecticut, Delaware, Indiana, Kentucky, Iowa, Maryland, Nebraska, New Jersey, Rhode Island, Tennessee, Texas, Utah and Virginia exempt these rights for financial institutions that are subject to Gramm–Leach–Bliley Act (Public Law 106–102):
| Right to Know About Personal Information Collected, Disclosed, or Sold. You have the right to request that a business disclose what Personal Information it collects, uses, discloses, and sells. |
| Right to Access Personal Information. You have the right to request access to the Personal Information it has collected about you in the previous 12 months. |
| Right to Correct Personal Information. You have the right to request correction of inaccurate Personal Information. |
| Right to Request Deletion of Personal Information. You may have the right to request the deletion of your Personal Information collected or maintained by the Company. |
| Right to Opt-Out of the Sharing or Sale of Personal Information You may have the right to opt-out of the sharing or sale of their Personal Information by a business. Note that the Company does not, sell your Personal Information. |
| Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights. You have the right not to receive discriminatory treatment by the Company for the exercise of the privacy rights conferred by State privacy laws. |
| Right to opt into or to limit Processing of Sensitive personal Information. Depending on your state of residence, you may have the right to opt into or to limit our processing of your Sensitive Personal Information to only uses that are necessary to provide or perform the services that you request. The Sensitive Personal Information that we collect is only used to provide or perform the services for which the information is necessary and that would be reasonably expected by you. |
| Right to Appeal Decisions. You may have the right to appeal the denial of a request or the right to be informed of the reasons for the Company not taking action. |
Instructions for Submitting a Verifiable Consumer Request
Subject to the limitations and exemptions provided in this Notice, you may have rights to have certain Personal Information deleted or not used for particular purposes, or you may have rights to certain additional information regarding the use of your Personal Information. In order for us to acknowledge a request from you to know, delete, or opt-out pursuant to such rights, you must either fill out our web form or call our toll-free number at (844) 331-6797. After submitting a request, we will verify your identity by matching the identifying information provided by you to the Personal Information already maintained by us. Any information you provide us that is not already in our system will be deleted after your request has been fulfilled in accordance with applicable law.
Authorized Agents
You may use an authorized agent to submit a request to know or a request to delete under applicable law. If you use an authorized agent to submit a request to know or a request to delete, you must provide the Company with written permission from you giving the authorized agent permission to submit the request on your behalf, and you may be required to verify the authorized agent’s identity with the Company. The Company may deny a request from an agent that does not submit proof that they have been authorized by the consumer to act on their behalf.
Additional Information
For more information about our general privacy policy, please visit loanDepot Privacy Policy.
A copy of this policy can be printed/downloaded here.
Date this Notice was last updated: 1/15/26.