Privacy Policy

Last Updated: October 26, 2026

First Fidelity Mortgage, Inc. (“First Fidelity Mortgage,” “FFM,” “Company,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy describes how we collect, use, disclose, retain, and protect information when you visit our website, submit an inquiry, request a quote, apply for mortgage financing, communicate with us, or otherwise use our services (collectively, the “Services”).

By using our Services, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you interact with us, we may collect information including:

  • Name
  • Email address
  • Telephone or mobile phone number
  • Mailing or residential address
  • Date of birth
  • Employment and income information
  • Financial and asset information
  • Mortgage, property, and loan information
  • Credit-related information when authorized and permitted by law
  • Information contained in documents you provide to us
  • Information you provide through applications, forms, emails, telephone calls, text messages, or other communications
  • Internet Protocol (IP) address
  • Browser and device information
  • Website usage and interaction information
  • Cookies and similar technologies
  • Other information necessary to provide mortgage-related products or services or that you voluntarily provide to us

Some information we collect in connection with an actual or potential mortgage transaction may be subject to additional federal or state financial privacy laws and notices.

2. How We Collect Information

We may collect information:

Directly from you. This includes information you provide when completing a form, requesting information, requesting a quote, submitting a mortgage application, communicating with us, or otherwise using our Services.

Automatically. We may automatically collect information regarding your device, browser, IP address, and interaction with our Website through cookies and similar technologies.

From service providers and other third parties. When permitted by law and appropriate to the services you request, we may receive information from credit reporting agencies, service providers, business partners, public records, or other sources involved in providing mortgage-related services.

3. How We Use Personal Information

We may use personal information to:

  • Respond to inquiries and requests;
  • Provide mortgage information and services;
  • Process mortgage applications and transactions;
  • Verify information you provide;
  • Communicate regarding an inquiry, application, loan, transaction, or account;
  • Request or provide documents and status updates;
  • Schedule or remind you about appointments;
  • Provide customer service;
  • Comply with legal, regulatory, licensing, recordkeeping, and reporting requirements;
  • Detect, prevent, and investigate fraud or security incidents;
  • Maintain and improve our Website and Services;
  • Analyze Website traffic and usage;
  • Conduct advertising and marketing as permitted by applicable law;
  • Protect our rights, property, customers, employees, and business;
  • Enforce our agreements and policies; and
  • Carry out other purposes disclosed to you when information is collected or with your consent.

4. SMS/Text Messaging and Mobile Information

First Fidelity Mortgage, Inc. may collect and use your mobile phone number and SMS consent preferences to communicate with you regarding mortgage inquiries, loan applications, loan status updates, document requests, appointment reminders, customer support, and, where separately authorized, marketing communications.

Mobile phone numbers, SMS opt-in information, and SMS consent will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes. Information may be disclosed to authorized service providers solely as necessary to deliver communications and support our services, subject to applicable privacy and security requirements.

For additional information regarding SMS communications, consent, message frequency, applicable charges, and opt-out instructions, please review our Communications Policy.

5. Cookies and Similar Technologies

We may use cookies, pixels, web beacons, tags, scripts, and similar technologies to operate our Website, remember preferences, understand how visitors use our Website, measure Website performance, improve our Services, and support advertising and marketing.

Cookies may include:

Essential Cookies. Necessary for the Website to function and provide requested features.

Preference Cookies. Used to remember settings and preferences.

Analytics Cookies. Used to understand Website traffic, usage, and performance.

Advertising Cookies. Where used, these may help us measure advertising campaigns and present advertisements that may be relevant to you.

You may be able to control cookies through your browser or device settings. Disabling certain cookies may affect Website functionality.

6. Analytics and Advertising

We may use third-party analytics services, such as Google Analytics, to understand how visitors interact with our Website.

We may also use advertising or remarketing services to measure advertising effectiveness and, where permitted, present advertisements based on Website interactions.

These providers may use cookies or similar technologies and process information according to their own privacy policies.

We may provide certain online identifiers and website usage information to analytics or advertising providers as permitted by applicable law. We do not intentionally disclose Social Security numbers, credit reports, mortgage application documents, or other sensitive financial information to advertising providers for targeted advertising purposes. Mobile phone numbers, SMS opt-in information, and SMS consent will not be shared with third parties or affiliates for their marketing or promotional purposes.

7. How We Disclose Personal Information

We may disclose personal information in the following circumstances:

Service Providers. We may provide information to vendors and service providers that perform services on our behalf, such as technology, hosting, analytics, communications, document processing, mortgage processing, compliance, fraud prevention, and other business services.

Mortgage Transaction Participants. Where appropriate and permitted by applicable law, we may disclose information to lenders, investors, credit reporting agencies, appraisal providers, title and settlement companies, mortgage insurance providers, underwriting and verification services, and other parties reasonably necessary to evaluate, process, underwrite, close, or otherwise facilitate your mortgage transaction.

Affiliates and Business Partners. We may provide information to affiliates or business partners where permitted by law and consistent with applicable privacy requirements.

Legal and Regulatory Requirements. We may disclose information when required by law, regulation, subpoena, court order, governmental request, regulatory requirement, or legal process.

Protection of Rights and Security. We may disclose information when reasonably necessary to protect our rights, prevent fraud, investigate wrongdoing, enforce agreements, or protect the safety or security of individuals or our systems.

Business Transactions. Information may be transferred in connection with an actual or proposed merger, acquisition, financing, restructuring, sale of assets, or similar business transaction, subject to applicable law.

With Your Direction or Consent. We may disclose information when you direct or authorize us to do so.

Regardless of the foregoing, mobile phone numbers, SMS opt-in information, and SMS consent will not be provided to third parties or affiliates for their marketing or promotional purposes.

8. Retention of Personal Information

We retain personal information for as long as reasonably necessary to provide our Services, complete transactions, maintain business and mortgage records, satisfy legal and regulatory obligations, resolve disputes, prevent fraud, enforce agreements, and fulfill the purposes described in this Privacy Policy.

Retention periods may vary based on the nature of the information and applicable mortgage, financial-services, licensing, regulatory, and recordkeeping requirements.

9. Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information.

However, no Internet transmission, electronic communication, or electronic storage system can be guaranteed to be completely secure. You should use appropriate caution when transmitting sensitive information electronically.

10. Third-Party Websites

Our Website may contain links to or integrate with third-party websites, mortgage application platforms, electronic signature services, document management systems, and other technology providers used to facilitate mortgage-related services.

These providers may collect, process, or store information on our behalf or under their own privacy practices, depending on the services provided. Where third parties process personal information on our behalf, we seek to maintain appropriate privacy and security protections consistent with applicable law.

We encourage you to review the privacy policies and terms of any independently operated third-party websites or services you access through our Website.

11. Children’s Privacy

Our Website and Services are not directed to children under 13, and we do not knowingly collect personal information directly from children under 13 through our Website.

If we learn that we have collected personal information from a child in a manner inconsistent with applicable law, we will take appropriate steps to address it.

12. Your Privacy Choices

Depending on your location and applicable law, you may have rights concerning your personal information, which may include the right to:

  • Request access to certain personal information;
  • Request correction of inaccurate information;
  • Request deletion of certain information;
  • Obtain information regarding how personal information is used or disclosed;
  • Opt out of certain uses or disclosures of personal information; and
  • Exercise other rights provided by applicable privacy laws.

These rights may be subject to exceptions, including information maintained pursuant to federal or state mortgage, financial-services, regulatory, legal, or recordkeeping requirements.

To submit a privacy request, contact us at loaninquiry@ffmlending.com. We may need to verify your identity before processing a request.

13. California Privacy Rights

If you are a California resident and the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA/CPRA”), applies to information we maintain about you, you may have additional rights.

Depending on applicable exemptions and the nature of the information, those rights may include:

  • The right to know the categories and specific pieces of personal information collected about you;
  • The right to know the categories of sources from which personal information was collected;
  • The right to know the business or commercial purposes for collecting, using, selling, or sharing personal information;
  • The right to know the categories of third parties to whom personal information is disclosed;
  • The right to request correction of inaccurate personal information;
  • The right to request deletion of certain personal information;
  • The right to opt out of the sale or sharing of personal information, where applicable;
  • The right to limit certain uses and disclosures of sensitive personal information, where applicable; and
  • The right not to receive discriminatory treatment for exercising applicable privacy rights.

Certain information maintained by financial institutions or used in connection with financial products and services may be exempt from some CCPA/CPRA requirements, including information governed by the Gramm-Leach-Bliley Act or other financial privacy laws.

Categories of Information

Depending on your interaction with us, categories of personal information collected may include identifiers, customer-record information, financial information, Internet or network activity, professional or employment-related information, and other information necessary to provide requested mortgage-related services.

Sale or Sharing of Personal Information

First Fidelity Mortgage does not sell personal information in the traditional sense of exchanging personal information for money.

Certain advertising or analytics activities involving online identifiers may constitute “selling” or “sharing” under the broad definitions of California law. Where required, California residents may exercise applicable opt-out rights by contacting us at loaninquiry@ffmlending.com or through any privacy-choice mechanism made available on our Website.

Mobile phone numbers, SMS opt-in information, and SMS consent are excluded from such advertising activities and will not be sold or shared with third parties or affiliates for marketing or promotional purposes.

14. Financial Privacy

As a mortgage broker, First Fidelity Mortgage, Inc. collects and processes certain nonpublic personal information in connection with mortgage inquiries, applications, and transactions. This information may be subject to the Gramm-Leach-Bliley Act (GLBA), Regulation P, and other applicable federal and state financial privacy and information security requirements.

Where required by applicable law, we provide separate financial privacy notices describing our information collection, sharing practices, and applicable consumer privacy rights.

These financial privacy notices supplement this general Website Privacy Policy. If a separate financial privacy notice conflicts with this Privacy Policy regarding information governed by applicable financial privacy laws, the applicable financial privacy notice will control to the extent required by law.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or Services.

When we make changes, we will update the “Last Updated” date at the top of this page. Material changes may be communicated through additional means when required by applicable law.

16. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

First Fidelity Mortgage, Inc.
13117 Eastpoint Park Blvd., Suite A
Louisville, KY 40223

Phone: (502) 657-4299
Email: loaninquiry@ffmlending.com

Company NMLS: 940549

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