Privacy Policy

Who We Are

Colt Lending is the personal brand of Ben Eddy (NMLS #2032978), a licensed mortgage loan originator operating under Edge Home Finance, LLC (NMLS #891464). When this policy refers to "we," "us," or "our," it means Ben Eddy and Edge Home Finance, LLC.

Our website address is: https://coltlending.com

Information We Collect

We may collect the following types of personal information when you interact with our website, apply for a mortgage, or communicate with us:

• Contact Information: Name, email address, phone number, and mailing address.
• Financial Information: Income, employment details, assets, debts, credit history, and other data required for mortgage applications.
• Identification: Social Security Number, date of birth, government-issued ID numbers as required by federal regulations.
• Property Information: Address and details about the property you intend to purchase or refinance.
• Website Usage Data: IP address, browser type, pages visited, time spent on site, and referring URLs collected through cookies and analytics tools.
• Communication Records: Emails, text messages, phone call logs, and notes from consultations.

How We Use Your Information

We use the information we collect to:

• Evaluate your mortgage application and determine eligibility for loan programs.
• Shop your loan across our network of 50+ wholesale lenders to find the best rate and terms.
• Communicate with you about your application status, loan options, and related services.
• Comply with federal and state lending regulations, including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), and Equal Credit Opportunity Act (ECOA).
• Prevent fraud and verify your identity as required by the USA PATRIOT Act.
• Improve our website and services.
• Send relevant updates or educational content (only with your consent).

How We Share Your Information

We do not sell your personal information. We may share your information with:

• Wholesale Lenders: To process your mortgage application and secure the best available terms.
• Third-Party Service Providers: Title companies, appraisers, credit reporting agencies, and insurance providers involved in your transaction.
• Regulatory Authorities: As required by law, including the NMLS, state licensing authorities, and federal agencies.
• Edge Home Finance, LLC: As my sponsoring broker, they maintain oversight of all transactions.

All third parties who receive your information are bound by confidentiality agreements and are prohibited from using your data for any purpose other than the services they provide to us.

Data Security

We take the protection of your personal information seriously. We implement industry-standard security measures including encrypted data transmission (SSL/TLS), secure document storage, access controls, and regular security assessments. While no system is completely impenetrable, we are committed to protecting your data to the highest standards in the mortgage industry.

Cookies & Tracking

Our website uses cookies and similar technologies to improve your experience and analyze site traffic. These may include:

• Essential Cookies: Required for basic site functionality.
• Analytics Cookies: Help us understand how visitors interact with our site (e.g., Google Analytics).
• Marketing Cookies: Used to deliver relevant advertising and measure campaign effectiveness.

You can control cookie settings through your browser preferences. Disabling cookies may limit certain site functionality.

Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your personal data (subject to regulatory retention requirements).
• Opt out of marketing communications at any time.
• File a complaint with your state's attorney general or the Consumer Financial Protection Bureau (CFPB).

To exercise any of these rights, contact us at ben@coltlending.com.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy and to comply with legal obligations. Mortgage-related records are retained in accordance with federal and state regulations, which typically require a minimum of three to seven years after loan closing or application withdrawal.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or applicable regulations. The "Last updated" date at the top of this page indicates when the policy was most recently revised. We encourage you to review this policy periodically.

Contact Us

If you have questions about this privacy policy or how we handle your personal information: