Effective Date: July 2025
Associated Mortgage Bankers, Inc. (“AMB,” “we,” “our,” or “us”) is committed to safeguarding your personal and financial information and ensuring compliance with all applicable federal, state, and industry regulations, including those governing mortgage lending and accessibility. This policy explains how we collect, use, share, and protect your information when you visit our website or engage our services.
1. Information We Collect:
We may collect the following information:
Personal Information:
Name, contact information, Social Security number, date of birth, income, employment history, credit history, and other data required to process mortgage applications.
Optional Health-Related Information:
On rare occasions, you may voluntarily disclose health-related information (e.g., related to medical debt or disability income) in connection with your mortgage application. Such information is treated as sensitive and handled securely.
Non-Personal Information:
Device information, IP addresses, browser type, and site usage statistics collected through cookies or analytics tools.
2. Legal Compliance Framework:
We adhere to the following federal regulations:
Real Estate Settlement Procedures Act (RESPA):
We do not accept or pay illegal kickbacks, referral fees, or unearned fees in connection with any mortgage loan transaction.We fully disclose all settlement service charges, including origination fees, third-party costs, and escrow amounts, in compliance with RESPA’s disclosure requirements.We maintain transparency in all affiliated business arrangements and provide appropriate disclosures when required.
Gramm-Leach-Bliley Act (GLBA):
We protect the confidentiality of our customers’ non-public personal information (NPI) and provide clear notice of our privacy practices and your rights.We do not share NPI with non-affiliated third parties except as permitted by law.
Equal Credit Opportunity Act (ECOA) & Fair Lending:
We comply with fair lending laws and do not discriminate based on race, color, religion, national origin, sex, marital status, age, disability, or receipt of public assistance in any aspect of a credit transaction.
3. How We Use Your Information:
We use collected information to:Process and underwrite mortgage applications.Verify identity, creditworthiness, and employment.Communicate with you about your application, account, or inquiries.Meet legal and regulatory obligations.Improve our services and website.We do not sell your information.
4. How We Share Your Information:
We may share your information:With our affiliates and subsidiaries as necessary to provide mortgage services.With third-party service providers and vendors under strict confidentiality agreements.With government regulators, auditors, or as otherwise required by law.
5. Your Privacy Rights:
You have the right to:
Request access to, correction, or deletion of your personal information, subject to legal and regulatory retention requirements.Opt out of receiving marketing communications.
6. Data Security:
We implement reasonable administrative, technical, and physical safeguards to protect your information, including:
Secure HTTPS connections for all web forms.Encryption of sensitive data at rest and in transit. Role-based access control and employee training.
7. ADA Accessibility:
Associated Mortgage Bankers, Inc. is committed to making our website accessible to all users in compliance with the Americans with Disabilities Act (ADA) and the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA.
8.Cookies & Tracking Technologies:
We may use cookies or similar technologies to enhance your experience on our website. You may adjust your browser settings to refuse cookies, but some features of our site may not function properly.
9. Changes to This Policy:
We may update this policy periodically. The revised policy will be posted here with an updated effective date.
10. Contact Us:
For questions about this Privacy & Compliance Policy or to exercise your privacy rights, please contact us.
Associated Mortgage Bankers, Inc. (NMLS #24794) Licensed by the Florida Office of Financial Regulation, Mortgage Lending License #MLD534. Equal Housing Lender.
Email: info@ambmortgage.com
Phone: (866) 355-4227
Address: 2395 Ocean Ave, Suite 5, Ronkonkoma, NY 11779
Consumers in Florida may contact the Florida Office of Financial Regulation at (850) 487-9687 or visit www.flofr.gov for questions or complaints about mortgage lending services.
