Effective Date: May 15, 2026
Last Updated: May 15, 2026
RateCut (“Company,” “we,” “us,” or “our”) is committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, who we share it with, and your rights regarding that information when you visit ratecut.com (the “Site”) or use our services.
Company NMLS: #2637085 | CA DRE: #02245391 | Irvine, CA 92614
We collect information you provide directly to us, as well as information collected automatically through your use of the Site.
When you fill out a pre-qualification form, quote request, loan application, or contact form on our Site, we may collect:
When you visit our Site, we and our third-party service providers may automatically collect:
We use the information we collect to:
We do not sell your personal information to third parties for their own marketing purposes. We may share your information in the following circumstances:
We may share your information with third-party service partners as needed to process your loan inquiry or application. These partners include loan processing platforms, title companies, appraisal services, and other providers necessary to fulfill mortgage transactions.
As part of the loan process, your information may be submitted to credit bureaus, investors, or wholesale lenders for underwriting and credit evaluation purposes.
We may disclose your information when required to do so by law, court order, or government authority, or when we believe disclosure is necessary to protect the rights, property, or safety of RateCut, our clients, or the public.
In the event of a merger, acquisition, or sale of all or substantially all of our assets, your information may be transferred as part of that transaction. We will notify you of any such change via the Site or email.
By submitting your phone number and checking the SMS consent checkbox on our forms, you expressly consent to receive SMS text messages from RateCut related to your mortgage inquiry, including follow-up communications and application status updates.
Opting out of SMS will not affect your ability to apply for a loan through other channels.
We use cookies and similar tracking technologies to operate and improve the Site. Cookies are small text files stored on your device that help us recognize you, remember your preferences, and analyze how the Site is used.
Types of cookies we use:
You can control cookie preferences through your browser settings. Note that disabling certain cookies may affect Site functionality.
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:
To exercise any of these rights, contact us at the information in Section 10. We will respond to verified requests within 45 days.
As a mortgage company, we are subject to the Gramm-Leach-Bliley Act (GLBA). We collect nonpublic personal financial information to process your loan and may share it with affiliated and nonaffiliated companies as permitted by law and as described in this policy. A separate GLBA privacy notice will be provided to you at the time of loan application as required by law.
When you submit a pre-qualification request, we may perform a soft credit inquiry, which does not affect your credit score. A formal loan application will involve a hard credit pull, which may impact your credit score. By submitting a full application, you authorize RateCut and its lending partners to obtain credit reports from one or more consumer reporting agencies.
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or disclosure. However, no transmission over the internet or electronic storage method is 100% secure. We cannot guarantee absolute security of your information.
If you believe your information has been compromised, please contact us immediately at the details in Section 10.
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to comply with our legal obligations (including those under federal mortgage lending regulations), and to resolve disputes or enforce our agreements. Loan-related records may be retained for up to 7 years as required by law.
Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have inadvertently collected information from a minor, we will delete it promptly. If you believe a minor has submitted information through our Site, please contact us.
Our Site may contain links to external websites, including credit check tools and real estate resources. These sites have their own privacy practices, and we are not responsible for their content or data handling. We encourage you to review the privacy policies of any third-party sites you visit.
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, we will update the “Last Updated” date at the top of this page. We encourage you to review this policy periodically. Your continued use of the Site after any updates constitutes your acceptance of the revised policy.
If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:
RateCut
Irvine, CA 92614
Phone: 1-833-RATE-CUT (1-833-728-3288)
Website: ratecut.com/contact-us
RateCut is an Equal Housing Opportunity Lender. NMLS #2637085. California DRE License #02245391.
