Privacy Policy

How Summit Lending collects, uses and protects your information.

Last updated: October 13, 2026

Summit Lending LLC ("Summit Lending", "we", "us" or "our") is a mortgage broker, NMLS #2394434. This Privacy Policy explains how we collect, use, share and protect personal information when you visit https://www.summitlending.com (the "Website"), contact us, or apply for a mortgage loan through us.

Information We Collect

Information you provide. Depending on how you use the Website, this may include:

Contact details, such as your name, email address, phone number and mailing address;
Loan and property details, such as the property address, purchase price, loan amount, loan type and down payment;
Financial information, such as income, employment, assets, debts and estimated credit score;
Identifying information needed to process an application, such as your Social Security number and date of birth;
Account credentials if you create an account or use one of our portals;
The contents of messages, calls and documents you send us.

Information from third parties. With your authorization, we obtain credit reports from consumer reporting agencies. We may also receive information from lenders, appraisers, title companies, real estate agents, builders and identity or employment verification services involved in your transaction.

Information collected automatically. When you visit the Website, we and our service providers automatically collect information such as your IP address, browser and device type, pages viewed, referring pages, and the date and time of your visit, using server logs, cookies and similar technologies.

How We Use Your Information

To respond to your inquiries and provide rate quotes and pre-approvals;
To process, underwrite and close your loan, including submitting your application to lenders;
To verify your identity and prevent fraud;
To communicate with you by email, phone or text message about your inquiry, application or account;
To send you marketing communications, where permitted by law and subject to your right to opt out;
To operate, secure, analyze and improve the Website;
To comply with legal, regulatory and audit requirements.

How We Share Your Information

We do not sell your personal information. We share it only as needed with:

Lenders and investors to whom your loan application is submitted, and the servicers of your loan;
Consumer reporting agencies, appraisers, title and escrow companies, insurers, and verification services involved in your transaction;
Service providers that support our business, such as website hosting, email, telephone and text messaging (for example, Twilio), and analytics and advertising providers, who are required to protect your information;
Real estate agents or builders involved in your transaction, with your permission;
Government agencies, regulators and others when required by law, or to protect our rights and prevent fraud;
A successor entity in connection with a merger, acquisition or sale of assets.

Cookies, Analytics and Advertising

We use cookies and similar technologies to operate the Website, remember your preferences, understand how visitors use the Website, and measure our advertising. We use Google advertising and measurement tools (Google Ads and Google tag), which may set cookies and collect information about your visit to show you relevant ads on other websites. You can learn how Google uses this information at policies.google.com/technologies/partner-sites and manage ad personalization at adssettings.google.com.

You can block or delete cookies through your browser settings. Some parts of the Website, such as login, may not work properly without them. Our Website does not currently respond to "Do Not Track" browser signals.

Phone Calls and Text Messages

If you give us your phone number, we may call or text you about your inquiry or application. We will send marketing texts or use automated technology for marketing calls only with your express consent, and that consent is not a condition of obtaining a loan. Reply STOP to any text message to opt out. Message and data rates may apply. Calls may be recorded for quality and training purposes. We do not share mobile numbers or text messaging consent with third parties for their own marketing.

Your Choices

Marketing: unsubscribe from marketing emails using the link in any email, reply STOP to texts, or contact us to stop marketing calls.
Access and correction: you may contact us to request access to, or correction of, the personal information we hold about you. We will respond as required by applicable law.

Depending on your state of residence, you may have additional rights under state privacy laws. Many of these laws do not apply to information covered by the GLBA. To make a request, contact us using the details below. We will verify your identity before responding and will not discriminate against you for exercising your rights.

How We Protect Your Information

We maintain administrative, technical and physical safeguards designed to protect your personal information, including encryption of data in transit and access limited to personnel and service providers who need it. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Data Retention

We keep personal information for as long as needed to provide our services and to meet legal, regulatory and recordkeeping requirements that apply to mortgage transactions, and then securely delete or de-identify it.

Children's Privacy

The Website is intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us with personal information, please contact us and we will delete it.

Third-Party Websites

The Website may link to websites we do not control. This policy does not apply to them, and we encourage you to review their privacy policies.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes take effect when posted on this page, and the "Last updated" date above will be revised.

Contact Us

Summit Lending LLC
4542 W 14800 N, Garland, UT 84312
Phone: 385-200-1470
Email: [email protected]
NMLS #2394434