Licensing information can be verified at: http://www.nmlsconsumeraccess.org/
Alaska Mortgage Broker/Lender License
Alabama Consumer Credit License
Arkansas Combination Mortgage Banker-Broker-Servicer License
Arizona Mortgage Banker License Other Trade Name #1 25030 S. 190th St. Queen Creek, AZ 85142 (877) 959-9992.
California DBO Residential Mortgage Lending Act License. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act
Colorado Mortgage Company Registration
Connecticut Mortgage Lender License
Delaware Lender License
District of Columbia Mortgage Lender License
Florida Mortgage Lender License
FLORIDA MORTGAGE LENDER SERVICER LICENSE
Georgia Mortgage Lender License
Hawaii Mortgage Loan Originator Company License
Idaho Mortgage Broker/Lender License
Illinois Residential Mortgage Licensee Illinois Department of Financial and Professional Regulation, 310 S. Michigan Ave, Suite 2130, Chicago, IL 60604-4278, (312) 793-3000
Indiana-DFI First Lien Mortgage Lending License
Iowa Mortgage Banker License
Kansas Mortgage Company License
Kentucky Mortgage Company License
Louisiana Residential Mortgage Lending License
Maryland Mortgage Lender License
Massachusetts Mortgage Lender License
Maine Supervised Lending License
Michigan 1st Mortgage Broker/Lender License
Minnesota Residential Mortgage Originator License
Mississippi Mortgage Lender License
Missouri Company Registration. Missouri Branch: 16690 Swingley Ridge Rd., Ste. 240, Chesterfield, MO 63017
Montana Mortgage Lender License
Nebraska Mortgage Banker License
New Hampshire Mortgage Banker License
New Mexico Mortgage Loan Company License
New Jersey Residential Mortgage Lender License
North Carolina Mortgage Lender License
North Dakota Money Broker License
Nevada Mortgage Banker License
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Ohio Mortgage Broker Act Certificate of Registration
Licensed as a Mortgage Lender by the Department of Consumer Credit
Oregon Mortgage Lending License
Pennsylvania Mortgage Lender License
Rhode Island Lender License
South Carolina – BFI Mortgage Lender/Servicer License
South Dakota Mortgage Lender License
Tennessee Mortgage License
“Texas SML Mortgage Banker Registration CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 North Lamar, Suite 201, Austin, Texas 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV.”
Utah – DRE Mortgage Entity License
VT: 7112 7113
Vermont Lender License
Virginia Lender License NMLS ID 140234 (www.nmlsconsumeraccess.org)
Washington Consumer Loan Company License
West Virginia Mortgage Lender License
Wisconsin Mortgage Banker License
Wyoming Mortgage Lender/Broker
What Does Keller Mortgage Do With Your Personal Information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
The type of personal information we collect and share depend on the product or service you have with us. This information can also include: • Social Security number and income • Credit scores and credit history • Account balances and mortgage rates and payments. When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share Customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies share thier Customers’ personal information; the reasons Keller Mortgage chooses to share, and whether you can limit this sharing.
Reasons we share your personal information
Does Keller Mortgage share?
Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.
For our marketing purposes – to offer other products and services to you.
For joint marketing with other financial companies.
We Don't Share
For our affliates’ everyday business purposes – Information about your transactions and experiences.
Yes- With Permission
For our affliates' everyday business purposes – Information about your creditworthiness.
For our affiliates to market to you.
For non-affiliates to market to you.
We Don't Share
To limit our sharing:
• Call 888-766-2678 – our menu will prompt you through your choices, or • Visit us online at www.kellermortgage.com. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call 888-766-2678 or visit www.kellermortgage.com
Who is Providing this Notice?
How Does KM protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We may enter into agreements with other companies to provide products and services to us and to you. These companies must safeguard your information and use it for specific purposes.
Why can't I limit all sharing?
Federal laws give you the right to limit only: • Sharing for affiliates everyday business purposes – information about your creditworthiness • Affiliates from using your information to market to you • Sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. We also allow you to request that we not market to you by phone, fax, and/or e-mail.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices apply to everyone on your account.
Companies related by common ownership or control. They can be financial and non-financial companies. • Keller Mortgage only shares personal information with our affiliated businesses.
Companies not related by common ownership or control. They can be financial and non-financial companies. • Non-affiliates we share with can include insurance, title, and escrow companies, credit bureaus. appraisers, lenders, investors and mortgage services.
A formal agreement between non-affiliated financial companies that together market financial products or services to you. • Keller Mortgage does not jointly market.
Effective Date: Feb. 23, 2017
Keller Mortgage, LLC which may also do business as Smarter Mortgages and/or Keller Mortgage (“Keller”, “we”, “us” or “our”) respects your privacy and it is important to us. This California Consumer Privacy Act Disclosure for California Residents explains how Keller collects, uses, and discloses personal information relating to California residents and applies solely to all visitors to our website and users of any loan forms, applications or services who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA or the applicable regulation have the same meaning when used in this notice.
We collect the following personal information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, Keller has collected the following categories of personal information from its consumers within the last twelve (12) months:
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
C. Protected classification characteristics under California or federal law.
Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex, sexual orientation, veteran or military status, or genetic information.
D. Commercial information.
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
E. Biometric information.
Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
F. Internet or other similar network activity.
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
G. Geolocation data.
Physical location or movements.
H. Sensory data.
Audio, electronic, visual, thermal, olfactory, or similar information.
I. Professional or employment-related information.
Current or past job history or performance evaluations.
J. Non-public education information (per the Family Educational Rights & Privacy Act) (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
K. Inferences drawn from other personal information.
Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
We obtain the categories of personal information listed above from the following categories of sources:
We may use or disclose the personal information we collect for one or more of the following business purposes:
Keller discloses the personal information in the above categories for business or commercial purposes as set forth in the following section. We do not sell your personal information. However, we may use and disclose certain anonymized information, such as website and mobile application usage data, to our trusteed business partners. Such information may be shared as permitted or required by applicable law.
Keller will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you with notice.
In addition to the uses mentioned or described elsewhere in this Privacy Notice, Keller may disclose your personal information to a third party for a business purpose. Keller may catalog and add collected information to our database which may be shared with our affiliates.
Keller discloses your personal information for a business purpose to the following categories of third parties:
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D: Commercial information.
Category I: Professional or employment-related information.
In the preceding twelve (12) months, Keller has not sold any personal information subject to the CCPA, including personal information of minors under the age of 16. For purposes of this Privacy Notice, “sold” means the disclosure of personal information to a third-party for monetary or other valuable consideration.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months
Once we receive and confirm your verifiable consumer request, we will disclose to you:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you or an authorized agent may make a verifiable consumer request related to your personal information. “Authorized Agent” means a natural person or business entity registered with the California Secretary of State that a consumer has authorize to act on their behalf subject to the requirements. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
Keller cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Keller aims to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We do not sell your personal information. As such, there is no financial incentive for encouraging you to opt in for sale of such information.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Keller Mortgage reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on our website and update the notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone: (888) 766-2678
4725 Lakehurst Drive
Dublin, Ohio 43016