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Stearns Lending, LLC (“Stearns”) is committed to protecting the privacy and security of our customers’ personal information. We collect and maintain your information to enable us to complete your loan transaction, conduct our business in a manner consistent with federal and state laws and regulations, provide you with information and offers on products to meet your future needs, and satisfy legal requirements.
This policy governs Stearns’ use of non-public personal customer information. Non-public personal information is defined in applicable law and generally means financial information that is identified with you that is not obtainable from a public source. For example, your credit information and current loan balances are non-public information. Non-public information does not include any list, description, or grouping that is created using only public information.
How We Obtain Personal Customer Information
In conducting our business, we collect and maintain various types of information about our customers. If we are unable to obtain such information from you, we may be prevented from providing you with a service and/or may be compelled to terminate a service that we are currently providing you. The types of information we collect and maintain include:
We use your personal information only for legitimate business purposes in a manner consistent with lending practices in compliance with applicable laws and regulations. We do not sell customer information to non-affiliated third parties for marketing purposes, share information with affiliates for marketing purposes, or jointly market products and services with other companies. The following summarizes the principal ways in which Stearns uses such information.
Do You Need To Opt Out Of Information Sharing?
There is no need to opt-out of information sharing as a result of receiving this privacy policy. Because we have limited the circumstances in which your personal information can be disclosed, there is no further action you need to take.
Protecting Personal Customer Information From Unauthorized Access
Safeguarding your personal information is important at Stearns. We maintain systems, policies and procedures to protect your personal information from being accessed by unauthorized persons. We limit employee access to personal customer information to those with a legitimate business reason for such access. We will retain your personal information only as long as necessary to handle your loan transaction, conform to safe and sound banking practices, or satisfy legal requirements.
STEARNS LENDING, LLC LICENSING DISCLOSURE
Nationwide Mortgage Licensing System (NMLS) ID #: 1854
Licenses can be verified at: NMLS Consumer Access
Stearns Lending, LLC is a California limited liability company, licensed, registered, or exempt from licensing to conduct business in:
Alabama Consumer Credit License (#21191); Alaska Mortgage Broker/Lender License (#AK1854); Alaska Mortgage Broker/Lender License-Other Trade Name #1; Arizona Mortgage Banker License (#0905413); Arkansas Combination Mortgage Banker-Broker-Servicer License (#102360); Licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act License (#4130495) and California Finance Lender Act License (#603G129); Colorado Mortgage Company Registration; Connecticut Mortgage Lender License (#15262); Delaware Mortgage Lender (#011236); District of Columbia Mortgage Dual Authority License (#MLB1854); District of Columbia Mortgage Dual Authority License Other Trade Name #1 (#MLB1854); Florida Mortgage Lender Servicer License (# MLD988). Georgia Mortgage Lender License (#24066); Hawaii Mortgage Loan Originator Company License (#HI-1854); Hawaii Mortgage Servicer License (#MS133); Idaho Mortgage Broker/Lender License (#MBL-3005); Illinois Residential Mortgage License (#MB.6760686); Indiana First Lien Mortgage Lending License (#15640); Iowa Mortgage Banker License (#2009-0047); Iowa Mortgage Banker License – Other Trade Name #2 (#2014-0010); Kansas Mortgage Company License (#MC.0025047); Kentucky Mortgage Company License (#MC77358); Louisiana Residential Mortgage Lending License; Maine Supervised Lender (#1854); Maryland Mortgage Lender License (#10847); Maryland Mortgage Lender License – Other Trade Name #1 (#21099); Massachusetts Mortgage Broker License (#MC1854); Massachusetts Mortgage Lender License (#MC1854); Michigan 1st Mortgage Broker/Lender/Servicer Registrant (#FR0019357); Minnesota Residential Mortgage Originator License (#MN-MO-1854); [This is not an offer to enter into a rate lock agreement under Minnesota law] [Any statement of current loan terms and conditions is not an offer to enter into an agreement, and any such offer may only be made pursuant to subdivisions 3 and 4 of Minn. Stat. 47.206]; Minnesota Residential Mortgage Originator License Other Trade Name #1 (#MN-MO-1854.1); Mississippi Mortgage Lender License (#1854); Missouri Company Registration (#13-2052-A-D); Montana Mortgage Lender License (#1854); Montana Mortgage Servicer License (#1854); Nebraska Mortgage Banker License (#2082); Nevada Mortgage Banker License (#3577); Nevada Mortgage Broker License (#3578); New Hampshire Mortgage Banker License (#15083-MB); New Jersey Residential Mortgage Lender License (#0806377); New Mexico Mortgage Loan Company License (#01457); North Carolina Mortgage Lender License (#L-148477); North Dakota Money Broker License (#MB102415); Ohio Mortgage Broker Act Certificate of Registration (#MB.804022.000); Ohio Mortgage Loan Act Certificate of Registration (#SM.501885.000); Oklahoma Mortgage Lender License (#ML002710); Oklahoma Mortgage Lender License – Other Trade Name #1 (ML010103); Oregon Mortgage Lending License (#ML-1041); Pennsylvania Mortgage Lender License (#28788); Rhode Island Lender License (#20092625LL); South Carolina-BFI Mortgage Lender / Servicer License (#MLS – 1854); South Carolina-BFI Mortgage Lender/Servicer License – Other Trade Name #1 (#MLS – 1854 OTN#1); South Dakota Mortgage Lender License (#ML.04912); Tennessee Mortgage License (#109457); Texas SML Mortgage Banker Registration; Texas OCCC Regulated Lender License (#56147); Utah DRE Mortgage Entity License (#5780454); Utah-DRE Mortgage Entity License – Other Trade Name #1 (8648475); Utah-DRE Mortgage Entity License – Other Trade Name #2 (#8907987); Vermont Lender License (#6224); Vermont Lender License – Other Trade Name #2 (#6642); Vermont Loan Servicer License (#1854-1); Virginia State Corporation Commission Lender License (#MC-2184) and Virginia Broker License (#MC-2184); Washington Consumer Loan Company License (#CL-1854); West Virginia Mortgage Broker License (#MB-33920); West Virginia Mortgage Lender License (#ML-30447); Wisconsin Mortgage Broker License (#1854BR); Wisconsin Mortgage Banker License (#696677BA); Wyoming Mortgage Lender/Broker (#2135).
Disclaimers:
SNAP Help Desk
sfhelp@stearns.com
866-292-HELP(4357), Option 2, then Option 1
Lock Desk
secondarymarketing@stearns.com
866-292-HELP(4357), Option 1, then Option 1
Stearns Client Onboarding
customercareteam@stearns.com
833-285-6933