Last Updated: May 6, 2026
1. Introduction
Alpine Mortgage Services, LLC (“Alpine Mortgage,” “we,” “our,” or “us”) respects your privacy and is committed to protecting it. This Privacy Policy describes the categories of personal information we collect about you, how we use and share that information, and the rights and choices available to you. It applies to information we collect on alpinebanker.com (the “Site”), through our mortgage origination services, and through other interactions with us, whether online, by telephone, by text message, or in person.
Alpine Mortgage Services, LLC is a residential mortgage broker (NMLS ID #56905) licensed in California, Colorado, Connecticut, Florida, Georgia, New Jersey, New York, Ohio, Pennsylvania, and Texas. Because we are a financial institution, our collection, use, and sharing of personal information is also governed by federal and state financial privacy laws.
Please read this Privacy Policy carefully. By using the Site or providing information to us, you acknowledge that you have read and understood this Privacy Policy.
2. Scope of This Policy
This Privacy Policy applies to personal information about consumers (including current, former, and prospective customers) that we collect, use, or disclose in connection with the Site and our consumer financial products and services. It does not apply to information collected from our employees or job applicants, which is addressed in separate notices.
3. Information We Collect
We collect the following categories of personal information.
3.1 Information You Provide Directly
- Identifiers and contact information, such as name, postal address, email address, telephone number, date of birth, Social Security number, driver’s license number, and other government identification numbers.
- Financial information, such as employment history, income, assets, liabilities, bank account information, debts, and other information needed to evaluate a loan application.
- Property information, such as property address, type, value, and intended use.
- Demographic information collected for fair-lending compliance under the Home Mortgage Disclosure Act (HMDA) and other applicable laws (for example, race, ethnicity, sex, age, and marital status). Providing this information is voluntary; we do not use it to make credit decisions.
- Communications and inquiries, such as the contents of messages you send to us through the Site, by email, by text, or by telephone.
3.2 Information Collected Automatically
- Device and connection information, such as IP address, browser type and version, operating system, device identifiers, referring URL, pages viewed, and timestamps.
- Usage information, such as the pages you visit, links you click, calculators you use, search queries, and the time and duration of your visit.
- Cookies, pixels, tags, and similar technologies. See our Cookie Policy for details.
- Approximate geolocation derived from IP address.
3.3 Information Collected From Third Parties
- Consumer reporting agencies (credit bureaus), to obtain credit reports, credit scores, and related information used to evaluate your application.
- Employers, depository institutions, and other verifiers, to confirm employment, income, deposits, and similar information.
- Real estate agents, settlement agents, title and insurance providers, appraisers, and other transaction parties.
- Government agencies and public records, such as flood zone determinations, property records, and fraud-prevention databases.
- Lead-generation partners and marketing service providers from whom we receive information about consumers who have indicated interest in mortgage products.
- Service providers that analyze website traffic and advertising performance.
4. How We Use Personal Information
We use personal information for the following business and commercial purposes:
- To evaluate, process, underwrite, fund, broker, and service mortgage loan applications and transactions.
- To verify your identity and prevent fraud, money laundering, and other unlawful activity.
- To communicate with you about your inquiry, application, loan, or account, including by telephone, email, and text message.
- To respond to your questions, comments, and customer service requests.
- To send marketing communications about our products and services, where permitted by law and where you have not opted out.
- To improve and personalize the Site, our products, and our services, including through analytics.
- To comply with applicable laws, regulations, court orders, subpoenas, and other legal process, including federal and state mortgage licensing, fair lending, anti-money-laundering, tax, and reporting requirements.
- To enforce our agreements and protect our rights, property, and the safety of our customers, employees, and others.
- To complete a corporate transaction such as a merger, acquisition, financing, reorganization, or sale of assets.
5. How We Share Personal Information
We share personal information with the following categories of recipients:
5.1 Service Providers and Processors
Including loan origination software providers, document-storage providers, hosting providers, IT and security vendors, customer relationship management providers, communications providers (telephone, SMS, and email), analytics providers, marketing technology providers, fraud-prevention vendors, accountants, and attorneys.
5.2 Lenders, Investors, and Transaction Parties
As a mortgage broker, we share application information with the wholesale lender(s) we present your file to, as well as with mortgage insurers, investors, appraisers, settlement agents, title companies, escrow agents, real estate agents, insurance providers, credit-reporting agencies, and other parties needed to evaluate, process, fund, and close your loan.
5.3 Legal and Regulatory Disclosures
We share personal information with courts, law-enforcement and regulatory authorities (including state mortgage regulators and the Consumer Financial Protection Bureau), and other government agencies as required by law or legal process, or as we believe in good faith is necessary to protect rights, property, or safety.
5.4 Corporate Transactions
In connection with a merger, acquisition, financing, reorganization, sale, joint venture, or other corporate transaction, we may share personal information with counterparties, professional advisors, and successors.
5.5 With Your Consent
We share personal information with other parties when you direct or authorize us to do so.
5.6 No Sale of Personal Information
We do not sell personal information for monetary consideration. We may, however, “share” personal information for purposes of cross context behavioral advertising as that term is defined under the California Consumer Privacy Act, including by allowing advertising partners to set cookies and similar technologies on the Site. California residents have the right to opt out of this sharing. See Section 9 below.
6. GLBA Privacy Notice
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- Credit history and credit scores
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Alpine Mortgage chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
- For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Alpine Mortgage shares this information; you cannot limit this sharing.
- For our marketing purposes to offer our products and services to you. Alpine Mortgage shares this information; you cannot limit this sharing.
- For joint marketing with other financial companies. Alpine Mortgage does not share for this purpose.
- For our affiliates’ everyday business purposes. Alpine Mortgage does not share for this purpose because it has no affiliates.
- For our affiliates’ everyday business purposes information about your creditworthiness. Alpine Mortgage does not share for this purpose.
- For our affiliates to market to you. Alpine Mortgage does not share for this purpose.
- For nonaffiliates to market to you. Alpine Mortgage does not share for this purpose.
How does Alpine Mortgage protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic personal information about you to employees, agents, and service providers who need to know that information to provide products or services to you.
How does Alpine Mortgage collect my personal information?
We collect your personal information, for example, when you apply for a loan, give us your contact information, provide income or employment information, give us your Social Security number, or contact us for assistance. We also collect your personal information from others, such as credit bureaus, employers, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes such as information about your creditworthiness; affiliates from using your information to market to you; and sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See “Other important information” below for your rights under state law.
Definitions
- Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. Alpine Mortgage has no affiliates.
- Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with include lenders, investors, appraisers, settlement agents, and service providers.
- Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Alpine Mortgage has no joint marketing partners.
7. Cookies and Tracking Technologies
We and our service providers use cookies, pixels, tags, software development kits, and similar technologies on the Site. Some of these technologies are necessary for the Site to function; others enable us to remember your preferences, analyze how the Site is used, measure the effectiveness of our advertising, and deliver targeted advertising on the Site and on other websites and apps.
For a detailed description of the technologies we use and your choices, please see our Cookie Policy at www.alpinebanker.com/cookie-policy.
8. Marketing Communications
You can opt out of marketing communications at any time:
- Email: Click the “unsubscribe” link at the bottom of any marketing email.
- Text messages: Reply STOP to any marketing text. See our SMS Marketing Terms for details.
- Telephone: Tell our representative that you do not wish to receive marketing calls.
- Postal mail: Contact us at our main office address.
9. California Privacy Rights (CCPA/CPRA)
This Section applies to California residents. It supplements the disclosures elsewhere in this Privacy Policy and is provided in compliance with the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, “CCPA”).
9.1 Categories of Personal Information We Collect, Disclose, and Share
In the past 12 months, we have collected the following categories of personal information defined under the CCPA:
- Identifiers (name, alias, postal address, email, telephone number, account name, IP address, Social Security number, driver’s license number, passport number, other similar identifiers).
- Categories of personal information described in Cal. Civ. Code § 1798.80(e) (signature, physical characteristics, address, telephone number, education, employment, employment history, financial information, medical information). Note: medical information is not collected unless you voluntarily provide it in connection with a hardship request.
- Protected classification characteristics under California or federal law (race, color, national origin, sex, marital status, age, gender, disability collected only for HMDA and fair-lending purposes; voluntary).
- Commercial information (records of products or services purchased, obtained, or considered).
- Internet or other electronic network activity information (browsing history, search history, interactions with the Site, ads, or applications).
- Geolocation data (approximate location derived from IP address).
- Audio, electronic, visual, or similar information (call recordings, where applicable, of customer service calls).
- Professional or employment-related information (employer name, job title, income, employment history).
- Inferences drawn from the foregoing to create a profile reflecting your preferences and characteristics relevant to lending products.
- Sensitive personal information (Social Security number, driver’s license, state identification, passport number, account log-in credentials, precise geolocation if collected, racial or ethnic origin if voluntarily provided).
We collect personal information from the sources described in Section 3 and use and disclose it for the business and commercial purposes described in Sections 4 and 5.
In the past 12 months, we have disclosed each of the categories of personal information listed above to service providers, lenders, investors, transaction parties, advisors, and government authorities for the business purposes described in Section 5.
We do not sell personal information for monetary consideration. We may share personal information (for example, identifiers, internet or other electronic network activity, and inferences) with advertising partners and analytics providers for cross-context behavioral advertising; California residents have the right to opt out of such sharing.
We do not knowingly sell or share the personal information of consumers under 16 years of age.
9.2 Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, including to comply with our legal, regulatory, accounting, audit, and reporting obligations (which, for mortgage loan files, are typically a minimum of three to seven years from loan funding or denial, and longer in some circumstances), to enforce our agreements, and to resolve disputes. After that period we will delete, de-identify, or anonymize the information.
9.3 Your California Privacy Rights
Subject to certain exceptions, California residents have the following rights:
- Right to know: Request that we disclose the categories of personal information we have collected, the categories of sources, the business or commercial purpose for collecting, the categories of third parties to whom we disclose it, and the specific pieces of personal information we have collected about you.
- Right to delete: Request that we delete personal information we have collected from you.
- Right to correct: Request that we correct inaccurate personal information.
- Right to opt out of sale or sharing: Direct us not to sell or share your personal information. We do not sell personal information for monetary consideration. To opt out of sharing for cross-context behavioral advertising, contact us using the methods in Section 9.4, or use the browser controls and industry opt-out tools described in our Cookie Policy.
- Right to limit use of sensitive personal information: Direct us to use sensitive personal information only for limited purposes permitted by law. We currently use sensitive personal information only for those limited purposes.
- Right to non-discrimination: Not be discriminated against for exercising your rights.
9.4 How to Exercise Your Rights
You may submit a request to know, delete, correct, or limit by:
- Email: [email protected]
- Telephone: (201) 488-8809
- Postal mail: Privacy Officer, Alpine Mortgage Services, LLC, 210 Summit Avenue, Suite A3, Montvale, NJ 07645
We will verify your request by matching information you provide with information in our records, and may ask for additional information to confirm your identity. We will respond within the time required by law, generally 45 days, with one 45 day extension where reasonably necessary.
Authorized agents: You may designate an authorized agent to make a request on your behalf. We will require written, signed permission from you, and we may require you to verify your identity directly with us before processing a request.
9.5 Shine the Light
California Civil Code § 1798.83 permits California residents to request information regarding our disclosure of personal information to third parties for those third parties’ direct marketing purposes. Alpine Mortgage does not disclose personal information to third parties for their direct marketing purposes. If our practices change, we will update this section.
9.6 Notice of Financial Incentive
We do not currently offer financial incentives in exchange for personal information.
10. Other State Privacy Rights
10.1 Colorado, Connecticut, Texas, and Other Comprehensive Privacy Law States
Residents of Colorado, Connecticut, Texas, and certain other states may have rights similar to those described in Section 9, including the right to access, delete, correct, and obtain a portable copy of personal data; the right to opt out of targeted advertising and certain profiling; and the right to opt out of the sale of personal data. To exercise these rights, contact us using the methods listed in Section 9.4. We will respond within the time required by applicable law and will provide an appeal mechanism if we deny your request.
Many of the personal information uses described in this Policy fall within the GLBA exemption under each of these state laws and may therefore be excluded from certain requirements; however, we extend the substantive rights described above to residents of those states to the extent applicable.
10.2 New Jersey
Effective January 15, 2025, New Jersey residents have rights similar to those described in Section 10.1 under the New Jersey Data Privacy Act. To exercise these rights, use the methods in Section 9.4.
11. Children’s Privacy
The Site is intended for adults. We do not knowingly collect personal information from children under 13 years of age. If we learn that we have inadvertently collected personal information from a child under 13, we will delete that information promptly. Parents or guardians who believe their child may have provided personal information may contact us using the information in Section 9.4.
12. Third-Party Links and Services
The Site may contain links to third-party websites and services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing personal information to them.
13. Information Security
We maintain administrative, technical, and physical safeguards designed to protect the personal information we collect against unauthorized access, use, disclosure, alteration, and destruction. These safeguards are designed to comply with the GLBA Safeguards Rule and applicable state security laws. Despite our efforts, no security measure is perfect, and we cannot guarantee the absolute security of personal information.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The “Last Updated” date at the top of this Policy indicates when it was last revised. Material changes will be posted on the Site and, where required by law, communicated to you directly. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Privacy Policy.
15. Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
Alpine Mortgage Services, LLC
Attn: Privacy Officer
210 Summit Avenue, Suite A3
Montvale, NJ 07645
Telephone: (201) 488-8809
Email: [email protected]