Effective Date: June 15, 2026
Company Name: Capital M Lending, LLC
Company NMLS ID: 69445
Business Address: 525 3rd Street, Suite 103, Lake Oswego, OR 97034
Contact Email: info@capitalmlending.com
Main Phone: 503-445-9525
Website: www.capitalmlending.com
1. INTRODUCTION
Capital M Lending, LLC (“Capital M Lending,” “Company,” “we,” “our,” or “us”) is committed to safeguarding the privacy, confidentiality, and security of personal information obtained from consumers, customers, website visitors, referral partners, and other individuals with whom we interact.
This Privacy Policy describes how we collect, use, disclose, protect, retain, and otherwise process personal information through our website, digital communications, loan origination activities, and related mortgage brokerage services. This Privacy Policy is intended to work alongside, and not replace, any separate Federal Privacy Notice provided pursuant to the Gramm-Leach-Bliley Act (“GLBA”) and Regulation P.
2. SCOPE OF THIS POLICY
This Privacy Policy applies to information collected:
• Through our public-facing website and online forms;
• In connection with mortgage prequalification, preapproval, application, processing, underwriting submission, closing, and post-closing communications;
• Through email, phone, text message, portal submissions, and other direct communications;
• From third parties involved in a residential mortgage transaction, including lenders, credit reporting agencies, verification providers, title and escrow companies, appraisers, builders, and real estate professionals.
This Privacy Policy does not apply to third-party websites, platforms, or services that we do not own or control, even if they are linked from our website.
3. CATEGORIES OF INFORMATION WE COLLECT
We may collect the following categories of personal information, depending on the nature of the interaction:
A. Identifiers and Contact Information
• Name, mailing address, email address, telephone number, date of birth, Social Security number, driver’s license number, passport number, or other government-issued identifiers.
B. Financial and Mortgage-Related Information
• Income, assets, liabilities, employment information, bank account information, credit history, credit score information, debt obligations, payment history, loan application information, and other data necessary to evaluate or facilitate a mortgage transaction.
C. Property and Transaction Information
• Property address, purchase contract information, loan program selection, occupancy intent, appraisal information, title and escrow information, insurance information, and similar transaction-related information.
D. Internet and Technical Information
• IP address, browser type, operating system, device information, pages visited, access times, referral URLs, and cookie or tracking-related information collected through our website.
E. Communication Records
• Records of emails, telephone calls, voicemail messages, portal messages, text messages, document uploads, and other communications involving Capital M Lending.
F. Third-Party Verification Data
• Information received from credit bureaus, employers, payroll providers, financial institutions, government agencies, public records, fraud prevention vendors, and compliance screening vendors.
G. Sensitive Personal Information
• To the extent applicable, we may collect sensitive personal information such as Social Security numbers, account credentials, precise financial profile information, and data necessary for identity verification, fraud prevention, or lawful underwriting and compliance review.
4. SOURCES OF INFORMATION
We may collect personal information from the following sources:
• Directly from you;
• Automatically through your use of our website;
• From loan applications, online portals, intake forms, and uploaded documents;
• From consumer reporting agencies and credit bureaus;
• From employers, payroll service providers, depository institutions, accountants, and tax documentation;
• From lenders, investors, mortgage insurers, title and escrow providers, appraisers, and settlement service providers;
• From real estate agents, brokers, builders, and other transaction participants when relevant to a mortgage file;
• From public records, government agencies, fraud prevention tools, and legal or regulatory sources.
5. PURPOSES FOR WHICH WE USE PERSONAL INFORMATION
We may use personal information for the following business and commercial purposes:
• To respond to inquiries and provide requested information about mortgage products or services;
• To prequalify, preapprove, process, structure, submit, and monitor mortgage applications and related transactions;
• To verify identity, employment, income, assets, liabilities, occupancy, and creditworthiness;
• To communicate with borrowers, coborrowers, guarantors, referral partners, and service providers involved in a transaction;
• To obtain and review appraisals, title information, insurance information, and settlement information;
• To comply with federal, state, and local laws, regulations, licensing standards, investor requirements, and recordkeeping obligations;
• To detect, investigate, and prevent fraud, identity theft, unauthorized activity, and other unlawful conduct;
• To maintain and improve website operation, security, analytics, usability, and performance;
• To market our services in accordance with applicable law and consumer choices;
• To administer vendor relationships, quality control, internal reporting, audits, and dispute resolution.
6. HOW WE DISCLOSE PERSONAL INFORMATION
We may disclose personal information as permitted or required by law, including the following categories of recipients:
A. Lenders, Investors, and Mortgage Program Counterparties
We may disclose information to wholesale lenders, investors, mortgage insurers, and loan purchasers to evaluate, process, underwrite, close, fund, or transfer a mortgage transaction.
B. Service Providers and Settlement Participants
We may disclose information to title companies, escrow companies, appraisers, flood vendors, verification providers, document providers, compliance vendors, IT providers, CRM vendors, portal providers, payroll or employment verification services, e-signature vendors, and similar service providers that support our business operations or your transaction.
C. Credit Bureaus and Financial Verification Sources
We may obtain from and share information with consumer reporting agencies, account verification systems, fraud detection services, and credit or financial verification providers in the ordinary course of evaluating and processing a mortgage transaction.
D. Real Estate Professionals and Transaction Participants
We may share limited transaction-related information with real estate agents, brokers, builders, developers, attorneys, housing counselors, and similar transaction participants when reasonably necessary to facilitate the mortgage process, manage timelines, satisfy conditions, coordinate closing, or communicate status updates. Except as required for the transaction or by law, we seek to limit such disclosures to information reasonably necessary for the purpose.
E. Affiliates and Common Branding Relationships
If Capital M Lending is affiliated with other entities, personal information may be shared with affiliates as permitted by law, subject to any applicable privacy notice rights and limitations.
F. Regulators, Auditors, and Legal Authorities
We may disclose information to courts, regulators, examination staff, law enforcement, licensing agencies, governmental authorities, auditors, or legal counsel when required to comply with law, examination requests, subpoenas, investor requirements, legal process, or enforcement obligations.
G. Business Transfers and Corporate Events
If we are involved in a merger, acquisition, asset transfer, financing transaction, corporate restructuring, or sale of all or part of our business, personal information may be disclosed as part of that transaction, subject to applicable confidentiality and legal requirements.
We do not state in this Privacy Policy that we “sell” personal information for monetary consideration. If our processing activities ever require different disclosures under applicable law, this Privacy Policy may be updated accordingly.
7. OREGON PRIVACY RIGHTS DISCLOSURE
If and to the extent the Oregon Consumer Privacy Act (OCPA) applies to our processing activities, Oregon consumers may have certain rights under applicable law, subject to exemptions and limitations. Depending on the circumstances, these rights may include:
• The right to confirm whether personal data is being processed;
• The right to access personal data;
• The right to correct inaccuracies in personal data;
• The right to delete personal data;
• The right to obtain a copy of personal data;
• The right to opt out of certain processing, including targeted advertising, sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects, where applicable;
• The right to obtain information about categories of third parties or, where required by law, the specific entities to which personal data has been disclosed.
To submit a privacy request, consumers may contact us at info@capitalmlending.com or 503-445-9525. We may take commercially reasonable steps to verify the identity of the requesting individual or authorized agent before fulfilling a request. Certain information may be retained or excluded from deletion where permitted or required by law, including for mortgage, fraud prevention, audit, security, legal, or regulatory reasons.
8. GLBA FEDERAL PRIVACY NOTICE
As a financial institution engaged in mortgage brokerage activities, Capital M Lending provides a separate Federal Privacy Notice pursuant to the Gramm-Leach-Bliley Act and Regulation P. That notice addresses categories of nonpublic personal information, sharing practices, and rights to limit certain disclosures. If there is any conflict between this Privacy Policy and the Federal Privacy Notice with respect to GLBA-governed disclosures, the Federal Privacy Notice will control as to those specific federally governed matters.
9. COOKIES, ANALYTICS, AND WEBSITE TRACKING
Our website may use cookies, pixels, log files, and similar technologies to support functionality, security, analytics, and website performance. These technologies may help us understand visitor behavior, troubleshoot performance issues, maintain session integrity, and improve the user experience.
Browser settings may allow you to block or delete certain cookies. Doing so may affect website functionality.
10. TEXT MESSAGING AND MOBILE COMMUNICATIONS
If you provide a mobile phone number to Capital M Lending, we may use that number to send transactional, informational, or service-related text messages concerning your mortgage inquiry, application, loan process, document needs, scheduling, status updates, or related customer service communications.
Message frequency may vary. Standard message and data rates may apply depending on your mobile carrier plan. You may opt out of nonessential text communications by following the opt-out instructions included in the message or by contacting us directly. Consent to receive text messages is not a condition of obtaining mortgage services from Capital M Lending.
If Capital M Lending later introduces separate promotional SMS programs, additional disclosures and consent language may be provided as required by law and carrier rules.
No mobile information will be shared with third parties or affiliates
11. EMAIL COMMUNICATIONS AND MARKETING CHOICES
We may send communications relating to inquiries, applications, loan status, educational content, or marketing content about mortgage products and services. You may unsubscribe from marketing emails using the unsubscribe mechanism contained in the email, where applicable, or by contacting us directly. Transactional, operational, legal, and servicing-related communications may still be sent as permitted by law.
12. DATA SECURITY
We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. These safeguards may include role-based access controls, secure document handling processes, encryption or protected transmission methods where appropriate, vendor oversight, training, and system monitoring.
No system can be guaranteed to be completely secure, but we take commercially reasonable steps to protect information consistent with the sensitivity of the data and the nature of our operations.
13. DATA RETENTION
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy and to comply with contractual, legal, regulatory, licensing, tax, accounting, audit, and record retention obligations. Retention periods may vary depending on transaction status, loan file requirements, litigation holds, examination obligations, and other compliance considerations.
14. CHILDREN’S PRIVACY
Our website and services are not directed to children under the age of 18. We do not knowingly collect personal information directly from children for independent consumer use through our website.
15. THIRD-PARTY WEBSITES AND SERVICES
Our website may contain links to websites, portals, or tools operated by third parties, including application portals, document upload systems, social media platforms, educational resources, and vendor sites. We are not responsible for the privacy, security, or content practices of third-party sites or services. Individuals should review those third parties’ privacy policies and terms before providing information.
16. CHANGES TO THIS PRIVACY POLICY
We reserve the right to amend this Privacy Policy at any time. Any updates will be posted on the applicable website page with a revised effective date. Material changes may be communicated in additional ways where appropriate or required by law.
17. CONTACT INFORMATION
Capital M Lending, LLC
525 3rd Street, Suite 103
Lake Oswego, OR 97034
Phone: 503-445-9525
Email: info@capitalmlending.com
For privacy-related requests or questions, please contact us using the information above.