Privacy Policy

1. Introduction

EquitySource, Inc. dba CapitalSource ("CapitalSource," "we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, share, and protect information in connection with our mortgage brokerage services, website (www.capitalsourcemortgage.com), and related communications.

This policy applies to consumers, borrowers, referral partners, and visitors who interact with CapitalSource in California and Hawaii. We are licensed and regulated by the California Department of Financial Protection and Innovation (DFPI), the California Department of Real Estate (DRE), and operate under the oversight of the Nationwide Multistate Licensing System (NMLS).

2. Information We Collect

We may collect the following categories of personal information in connection with providing mortgage-related services:

Identifying Information:

• Full legal name, date of birth, Social Security number
• Government-issued identification
• Contact information: phone number, email address, mailing and property address

Financial Information:

• Income documentation (bank statements, tax returns, P&L statements, asset statements)
• Employment and self-employment information
• Credit history and credit scores (obtained with your authorization)
• Property information, appraisal data, and title information
• Loan application data submitted through our intake platform

Communication and Interaction Data:

• Records of calls, texts, emails, and form submissions
• Information voluntarily provided through contact forms or our loan application portal

Website Usage Data:

• IP address, browser type, device identifiers
• Pages visited, time on site, referring URLs
• Cookie and tracking technology data (see Section 9)

3. How We Collect Information

We collect information through the following methods:

• Submission of loan applications or inquiry forms on our website or through our intake portal (my1003app.com)
• Direct communication via phone, text, email, or in person
• From referral partners, real estate agents, CPAs, or financial advisors who refer borrowers to CapitalSource
• Automated technologies when you visit our website
• Third-party service providers and credit reporting agencies with your authorization

4. How We Use Your Information

We use your personal information solely to provide mortgage brokerage services and to comply with applicable laws. Specific uses include:

• Evaluating and processing mortgage applications (Non-QM, HELOC, cash-out refinance, reverse mortgage)
• Identifying qualification programs appropriate for your financial profile
• Communicating with you about your application, required documentation, and loan status
• Complying with federal and state regulatory requirements including RESPA, TILA, ECOA, HMDA, GLBA, and CCPA
• Verifying your identity and conducting required due diligence
• Scheduling appointments and conducting loan consultations
• Maintaining records required by NMLS, DFPI, and DRE
• Sending SMS communications for which you have provided consent (see Section 6)

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We do not use your information for automated profiling unrelated to mortgage underwriting.

5. Information Sharing and Disclosure

We share your personal information only as necessary to complete your mortgage transaction or comply with legal obligations. Recipients may include:

• Wholesale mortgage lenders and investor partners to whom your loan is submitted for underwriting and funding
• Loan processing partners, title companies, escrow companies, and appraisers
• Credit reporting agencies (with your authorization)
• Technology vendors and service providers who support our operations under confidentiality agreements
• Regulatory agencies, law enforcement, or courts when required by applicable law
• Successor entities in the event of a merger, acquisition, or sale of business assets

All third parties who receive your information are required to maintain appropriate safeguards and to use your information only for the purpose for which it was shared.

Important: SMS consent and mobile phone numbers collected for SMS communications are never shared with third parties or affiliates for marketing or promotional purposes.

6. SMS Communications and Consent

By providing your phone number through our website, loan application, or direct communication, you consent to receive text messages from CapitalSource related to:

• Mortgage inquiries and initial qualification reviews
• Loan application follow-ups and document requests
• Appointment confirmations and scheduling
• Loan status updates and clear-to-close notifications
• Customer service communications related to your active file

Message frequency varies based on application activity. Message and data rates may apply depending on your carrier and plan.

Opt-Out: Reply STOP at any time to unsubscribe from SMS communications. You will receive a confirmation and no further messages will be sent.

Help: Reply HELP or contact us directly at hello@capitalsourcemortgage.com or (714) 494-1004.

You may opt in to SMS communications by:

• Submitting a contact or inquiry form on our website
• Completing a loan application through our intake portal
• Providing verbal consent during a consultation call
• Texting us directly to initiate contact

SMS consent is collected prior to any outbound messaging. Consent to SMS is not a condition of loan approval or services.

7. Your California Privacy Rights (CCPA / CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) grant you specific rights regarding your personal information. You have the right to:

• Know: Request disclosure of the categories and specific pieces of personal information we have collected about you
• Delete: Request deletion of personal information we hold about you, subject to legal retention requirements
• Correct: Request correction of inaccurate personal information
• Opt Out: Opt out of the sale or sharing of personal information (we do not sell personal information)
• Non-Discrimination: Exercise your privacy rights without discrimination in the services we provide

Note: Certain information collected in connection with mortgage applications may be exempt from CCPA deletion rights due to regulatory retention obligations under federal and state mortgage laws.

To submit a privacy rights request, contact us at:

We will respond to verified requests within 45 days as required by applicable law.

8. Gramm-Leach-Bliley Act (GLBA) — Financial Privacy Notice

As a licensed mortgage broker, CapitalSource is subject to the Gramm-Leach-Bliley Act. We collect nonpublic personal information about you to provide mortgage brokerage services. We limit sharing of this information to the purposes described in this policy and as permitted by law.

You have the right to limit certain sharing of your nonpublic personal information with affiliated companies for marketing purposes, and with nonaffiliated third parties for purposes beyond completing your transaction. To exercise this right, contact us using the information in Section 12.

9. Cookies and Tracking Technologies

Our website (www.capitalsourcemortgage.com) may use cookies and similar tracking technologies to improve your experience, analyze website traffic, and measure performance. Types of cookies used may include:

• Essential cookies: Required for website functionality and secure access to our loan portal
• Analytics cookies: Aggregate usage data to improve site performance (e.g., Google Analytics)
• Marketing cookies: Used to measure the effectiveness of our marketing activities

You may control cookie settings through your browser preferences. Note that disabling certain cookies may affect website functionality. We do not respond to browser Do Not Track (DNT) signals at this time.

10. Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Security measures include:

• Encrypted transmission of data submitted through our website and loan portal
• Access controls limiting personal information to authorized personnel on a need-to-know basis
• Secure data storage practices compliant with federal standards under GLBA
• Regular review of our security practices

Despite these measures, no transmission over the internet or electronic storage system is completely secure. We cannot guarantee absolute security. If you have reason to believe your information has been compromised, please contact us immediately.

11. Retention of Information

We retain personal information for as long as required to fulfill the purposes for which it was collected and to comply with applicable federal and state regulatory retention requirements. Mortgage application records are generally retained for a minimum of three years following loan disposition, as required by RESPA and applicable DFPI and DRE regulations. Some records may be retained longer based on legal, audit, or regulatory requirements.

12. Contact Us — Privacy Inquiries

For questions, concerns, or requests related to this Privacy Policy, contact:

13. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in law, regulation, or our practices. The revised policy will be posted at www.capitalsourcemortgage.com/privacy-policy with an updated effective date. Material changes will be communicated to borrowers with active files.