Terms and Conditions

The terms that govern your use of the Summit Lending website.

Last updated: October 13, 2026

These Terms and Conditions ("Terms") govern your use of https://www.summitlending.com and any related pages, tools, calculators, portals and online applications (together, the "Website") operated by Summit Lending LLC ("Summit Lending", "we", "us" or "our"). By accessing or using the Website, you agree to these Terms. If you do not agree, do not use the Website.

About Summit Lending

Summit Lending LLC is a mortgage broker, NMLS #2394434, located at 4542 W 14800 N, Garland, UT 84312. We are licensed to offer mortgage services in Utah, Idaho, Wyoming and Texas. You can verify our licensing at www.nmlsconsumeraccess.org. Summit Lending is an Equal Housing Opportunity lender.

Not an Offer or Commitment to Lend

Information on the Website, including interest rates, APRs, payment estimates, live quotes, calculator results and loan program descriptions, is provided for general informational purposes only. It is not an offer to lend, a loan approval, a rate lock or a commitment of any kind. Rates and terms are subject to change without notice and depend on factors such as your credit history, income, assets, property type, loan amount, loan-to-value ratio and market conditions. All loans are subject to credit approval, underwriting, property appraisal and program guidelines. Not all applicants will qualify.

Calculator and quote results are estimates based on the information you enter and on assumptions that may not reflect your situation. They do not include all costs, taxes, insurance or fees that may apply. Your actual terms will be provided in the disclosures you receive after you apply, such as the Loan Estimate and Closing Disclosure.

Nothing on the Website is legal, tax or financial advice. You should consult your own advisors about your circumstances.

Eligibility

You must be at least 18 years old and able to enter into a binding contract to use the Website or submit an application.

Accounts and Portals

Some parts of the Website, such as client, loan officer and builder portals, require an account. You agree to provide accurate and complete information, keep your login credentials confidential, and notify us promptly at [email protected] if you believe your account has been accessed without authorization. You are responsible for activity that occurs under your account. We may suspend or close accounts that violate these Terms or that we reasonably believe are being used for fraudulent or unlawful purposes.

Information You Provide

You agree that any information you submit through the Website, including in forms, quotes, pre-approval requests and loan applications, is true, accurate and complete, and that you are authorized to provide it. Knowingly providing false information in connection with a mortgage application may be a crime under federal and state law. How we collect, use and share your information is described in our Privacy Policy.

Communications

By submitting your contact information through the Website, you agree that Summit Lending may contact you about your inquiry or application by email, telephone or text message. Where we use automated technology or prerecorded messages to call or text you for marketing purposes, we will do so only with your express consent, which is not a condition of obtaining a loan. You can opt out of text messages at any time by replying STOP, and out of marketing emails by using the unsubscribe link. Message and data rates may apply. Calls may be recorded for quality and training purposes.

Acceptable Use

You agree not to:

Use the Website for any unlawful or fraudulent purpose, or submit information about another person without their authorization;
Attempt to gain unauthorized access to the Website, other users' accounts, or our systems;
Interfere with or disrupt the Website, including by introducing malware or placing an unreasonable load on our infrastructure;
Use bots, scrapers or other automated means to access or collect data from the Website, including rates and quotes, without our written permission;
Frame or mirror the Website, or copy, republish, sell or redistribute its content, except as allowed below.

Intellectual Property

The Website and its content, including text, graphics, logos, calculators and software, are owned by Summit Lending or its licensors and are protected by copyright, trademark and other laws. We grant you a limited, non-exclusive, non-transferable license to view and use the Website for your personal, non-commercial purposes. You may link to publicly available pages of the Website as long as the link is not misleading and does not suggest sponsorship or endorsement by Summit Lending. You may not use our name or logo without our prior written permission.

Third-Party Links and Services

The Website may link to or rely on websites and services operated by third parties. We do not control and are not responsible for their content, policies or practices. Your use of third-party sites is at your own risk and subject to their terms.

Disclaimer of Warranties

The Website is provided "as is" and "as available." To the fullest extent permitted by law, Summit Lending disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not guarantee that the Website will be uninterrupted, error-free or secure, or that its content is complete or current.

Limitation of Liability

To the fullest extent permitted by law, Summit Lending and its members, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data or opportunity, arising out of or related to your use of, or inability to use, the Website. This limitation does not apply to liability that cannot be limited or excluded under applicable law, and it does not limit any rights you have under your loan documents or under federal or state consumer protection laws.

Indemnification

You agree to indemnify and hold harmless Summit Lending and its members, employees and agents from any claims, losses and expenses, including reasonable attorneys' fees, arising from your violation of these Terms or your misuse of the Website.

Governing Law

These Terms are governed by the laws of the State of Utah and applicable federal law, without regard to conflict-of-law rules. Any dispute arising from these Terms or your use of the Website will be brought in the state or federal courts located in Utah, unless applicable law requires otherwise.

Changes to These Terms

We may update these Terms from time to time. Changes take effect when posted on this page, and the "Last updated" date above will be revised. Your continued use of the Website after changes are posted means you accept the updated Terms.

Contact Us

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