EquitySource, Inc. dba CapitalSource (“CapitalSource,” “we,” “our,” or “us”) is committed to protecting your personal information. This policy explains how we collect, use, share, and safeguard information in connection with our mortgage brokerage and direct lending services, this website, and related communications.
We may collect identifying and contact information; Social Security number and government identification; income, employment, assets, credit, property, and loan application data; communication records; and website usage information such as IP address, browser, device, and cookie data.
We collect information through website and application forms, our loan portal, direct communications, referral partners, automated website technologies, and service providers or credit reporting agencies when authorized.
We use information to evaluate and process mortgage applications, identify suitable programs and documentation paths, communicate about your file, verify identity, schedule consultations, maintain required records, and comply with laws including RESPA, TILA, ECOA, HMDA, GLBA, and CCPA. We do not sell or rent personal information for marketing.
We may share information as needed to complete a mortgage transaction or meet legal obligations with wholesale lenders, investors, processors, title and escrow companies, appraisers, authorized credit reporting agencies, contracted technology providers, and regulators.
By providing a phone number, you may consent to texts about mortgage inquiries, document requests, appointments, loan status, and customer service. Message and data rates may apply and frequency varies. Reply STOP to opt out or HELP for assistance. SMS consent is not a condition of approval and is never shared for third-party marketing.
California residents may have rights to know, delete, correct, opt out of sale or sharing, and exercise privacy rights without discrimination. Mortgage records subject to federal or state retention duties may be exempt from deletion.
CapitalSource is subject to the Gramm-Leach-Bliley Act. We collect nonpublic personal information to provide mortgage services and limit sharing to the purposes described here and as otherwise permitted by law.
We may use essential, analytics, and marketing cookies to operate the site, analyze traffic, and measure performance. You may manage cookies through browser settings, although disabling them may affect functionality.
We use administrative, technical, and physical safeguards including encrypted transmission, access controls, secure storage, and security reviews. No internet transmission or electronic storage system can be guaranteed absolutely secure.
We retain information as needed for its intended purpose and applicable regulatory requirements. Mortgage application records are generally retained for at least three years after disposition and may be kept longer for legal, audit, or regulatory reasons.
For privacy questions or rights requests, contact hello@capitalsourcemortgage.com, (213) 344-0063, or 3050 Saturn St., Suite 105, Brea, CA 92821. We respond to verified requests within the period required by applicable law.
We may update this policy to reflect changes in law, regulation, or our practices. The revised policy and effective date will be posted on this page.
