California Consumer Privacy Policy
Purpose
Home Mortgage Alliance Corporation (“HMAC” “we” or “Company”) respects your privacy and is committed to protecting the personal information of our clients. This California Consumer Privacy Act (“CCPA”) Privacy Policy applies solely to natural persons who reside in the State of California and interact with us as consumers of mortgage-related products and services.
This Policy supplements our general privacy policy and explains how we collect, use, disclose, and safeguard personal information as required under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (CPRA).
Personal Information We Collect
As a mortgage lender, we collect personal information to evaluate loan applications, service loans, and comply with legal obligations.
In the past 12 months, we have collected the following categories of personal information:
| Category | Examples | Collected |
|---|---|---|
| Identifiers | Name, Social Security Number, driver’s license number, email address, phone number, IP address | Yes |
| Customer records (Cal. Civ. Code § 1798.80(e)) | Bank account number, income, employment history, credit report details | Yes |
| Protected classification characteristics | Age, marital status, citizenship, veteran status | Yes |
| Commercial information | Records of loan products purchased, considered, or inquiries made | Yes |
| Internet or other network activity | IP address, interaction with online applications, website visits | Yes |
| Geolocation data | IP-based location information | Yes |
| Professional or employment information | Current or past job history, employer name | Yes |
| Inferences | Creditworthiness, loan eligibility profile | Yes |
We collect this information:
- Directly from you (loan applications, income documents)
- From third parties (credit bureaus, verification vendors, public records)
- Automatically through your interaction with our website or app
How We Use Personal Information
We use your personal information for purposes such as:
- Processing and underwriting mortgage loan applications
- Servicing loans and managing client accounts
- Verifying your identity and employment
- Complying with federal and state lending laws and regulations
- Preventing fraud and ensuring security
- Marketing our products and services (with your consent, if required)
- Responding to regulatory and legal requests
Disclosure of Personal Information
We may disclose your personal information to the following categories of third parties:
- Credit reporting agencies
- Title and escrow companies
- Appraisal and inspection service providers
- Mortgage investors or secondary market purchasers
- Regulatory and law enforcement agencies
- Service providers (e.g., cloud storage, IT support)
We do not sell your personal information, and we do not knowingly share information with third parties for cross-context behavioral advertising.
Your Rights Under the CCPA
As a California resident, you have the following rights:
- Right to Know
You may request information about:
• The categories and specific pieces of personal information we collected about you
• The sources of that information
• Our business or commercial purposes for collecting it
• The categories of third parties we’ve disclosed it to - Right to Delete
You may request that we delete personal information we collected from you, with certain exceptions (e.g., to
complete a transaction or comply with a legal obligation). - Right to Correct
You may request that we correct inaccurate personal information we maintain about you. - Right to Non-Discrimination
We will not discriminate against you for exercising your CCPA rights.
Please note: Some information collected as part of a financial transaction is exempt from CCPA under the Gramm-Leach-Bliley Act (GLBA). However, we honor your rights where applicable and strive to maintain transparency in our practices.
Submitting CCPA Requests
To exercise your rights, please use one of the following methods:
- Phone: (800)900-7040
- Email: info@homemac.com
We will verify your identity before fulfilling
Retention of Personal Information
We retain your personal information only as long as necessary to provide services, fulfill legal obligations, and comply with applicable laws, including mortgage servicing and recordkeeping requirements.
Changes to This Privacy Policy
We may update this CCPA Policy from time to time. When we do, we will revise the “Effective Date” at the top of the Policy. We encourage you to review this Policy periodically.
Contact Us
If you have questions or concerns about this CCPA Policy or our privacy practices, please contact:
Home Mortgage Alliance Corporation
4 Hutton Centre Drive, Santa Ana, CA 92707
Email: info@homemac.com
Phone: (800)900-7040
Last Edited on 04-25-2025
