Privacy Policy

This Privacy Policy describes how AN LENDING LLC(“AN Lending,” “we,” “us,” or “our”) collects, uses, shares, and protects the personal and financial information of consumers and borrowers who interact with us in connection with our mortgage brokerage services. We are committed to protecting your information in accordance with the federal Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.), Regulation P (12 C.F.R. Part 1016), and applicable state laws.

1. Information We Collect

We collect personal information from you and from third parties to evaluate your loan application, match you with potential lenders, and complete a mortgage transaction. Categories of information we may collect include:

• Information from your loan application and related forms (such as name, address, Social Security number, date of birth, employment information, income, and assets);
• Information about your transactions with us, our affiliates, or others (such as account balances, payment history, and credit usage);
• Information from a consumer reporting agency, such as your credit report and credit score; and
• Information from third parties to verify your application (such as employment verification, asset verification, identity verification, and property information).

2. How We Use Your Information

We use your information to:

• Evaluate your loan application and identify mortgage products that may meet your needs;
• Submit your application to wholesale lenders and other counterparties to obtain loan terms;
• Verify the accuracy of information you provide;
• Process, close, and service your mortgage transaction;
• Comply with federal, state, and local laws and regulations, including investor and lender requirements; and
• Communicate with you about your application, our services, and your account.

3. How We Share Your Information

AN LENDING LLC is a mortgage broker. To complete a mortgage transaction, we share your information with the following types of third parties:

• Wholesale lenders and investors to whom we submit your loan application;
• Service providers who assist us with credit reporting, verification of employment and assets, appraisal, title insurance, escrow, document preparation, mortgage insurance, and other settlement services;
• Government agencies and regulators where required by law; and
• Professional advisors (auditors, attorneys, compliance consultants) bound by confidentiality obligations.

We do not sell your personal information. Mobile phone numbers and SMS/text-message opt-in consent information will not be shared with or sold to any third party or affiliate for marketing or promotional purposes under any circumstances. We do not share your nonpublic personal information with non-affiliated third parties for their own marketing purposes.

4. Your Right to Limit Sharing (GLBA Opt-Out)

Federal law gives you the right to limit some, but not all, sharing of your personal information. Because AN LENDING LLC does not share your nonpublic personal information with non-affiliated third parties for marketing purposes, no opt-out is required for that purpose. If our practices change, we will provide you with a revised notice and an opportunity to opt out as required by law.

5. Information Security

We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information. We restrict access to your information to employees, contractors, and authorized third parties who need to know that information to provide services to you or to comply with applicable laws.

6. Marketing and Closing-Celebration Posts

We may, from time to time, celebrate loan closings on our company or loan officer social media accounts. We will not include your name, full street address, loan amount, interest rate, payment, or other nonpublic personal information in such posts unless you have signed a written Marketing Consent form authorizing the specific use. You may decline or revoke such consent at any time.

7. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

8. Cookies and Online Tracking

Our website may use cookies and similar technologies to operate the site and improve user experience. You may control cookie preferences through your browser settings. We do not respond to “Do Not Track” browser signals. AN LENDING LLC does not use third-party advertising trackers on this site. We use Vercel Analytics, a privacy-friendly, cookieless tool that does not use cookies or collect personal information, to measure aggregate site traffic. First-party cookies are limited to those required to operate the site and remember your preferences.

9. State-Specific Notices

Washington Residents: Consumers in Washington State have additional rights under the Washington Consumer Loan Act (RCW 31.04) and applicable state privacy laws. To exercise any rights under Washington law regarding the personal information we hold about you, please contact us using the information below.

California Residents: If you are a California resident covered by the California Consumer Privacy Act (CCPA, Cal. Civ. Code § 1798.100 et seq.), your nonpublic personal information collected and processed by AN LENDING LLC for purposes of evaluating, processing, or servicing a mortgage transaction is generally exempt from CCPA under the GLBA exemption in Cal. Civ. Code § 1798.145(e). For all other personal information, you may contact us to exercise applicable rights.

Vermont Residents: We will share your personal information only as permitted by law. We will not share information about your creditworthiness with our affiliates without your authorization, and we will not share personal information with non-affiliated third parties for marketing purposes. Mobile phone numbers and SMS opt-in data are never shared with third parties for marketing, regardless of consent.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last Updated” date at the top reflects the date of the most recent changes. We will provide an updated notice as required by law.

11. Contact Us

If you have questions about this Privacy Policy or our information practices, contact:

AN LENDING LLC
5401 W Kennedy Blvd, Suite 100
Tampa, FL 33609
Phone: (813) 897-5555
Email: info@an2lending.com
NMLS Consumer Access: https://www.nmlsconsumeraccess.org/