McKenney Home Lending, LLC ("McKenney Home Lending," "we," "us," or "our") respects your privacy and is committed to protecting it. This Privacy Policy explains what information we collect from visitors to mckenneyhomelending.com, how we use it, and the rights you have over your information. We're a Michigan-licensed mortgage broker (NMLS #2497854), and our loan originators are individually NMLS-licensed. If anything in this policy is unclear, contact Rob directly.
1. Information We Collect
Information you give us directly
When you fill out a form on our website (such as Apply Online, Get A Quote, Contact, or the Refi Watchlist), we collect the information you submit. That typically includes:
- Your name, email address, and phone number
- Loan-related information such as current loan balance, current interest rate, loan type, ZIP code, and notification preferences
- Property information (purchase price, property type, occupancy intent) when applicable
- Financial information you voluntarily share (income, monthly debts, credit band) when using our calculators or applying for a loan
- Any other information you choose to share in open text fields or conversations
Information collected automatically
When you visit mckenneyhomelending.com, we may automatically collect:
- Your IP address, approximate location (city/state level), browser type, device type, and operating system
- Pages you visit, time spent on pages, and how you arrived at our site (referring site, search term)
- Cookies and similar tracking technologies (see Section 7)
Information from third parties
During a loan application, we may receive information about you from:
- Credit reporting agencies (with your written authorization) for pre-qualification or application purposes
- Wholesale lenders and loan-processing partners
- Public records, verification services, and identity-verification tools
- Referral sources such as real estate agents or financial advisors who connect you to us
2. How We Use Your Information
We use the information we collect to:
- Provide you with mortgage origination services, including pre-qualification, loan applications, and rate quotes
- Respond to your questions and requests
- Send you alerts you've opted into (for example, Refi Watchlist notifications when wholesale rates for your loan profile move in your favor)
- Send you occasional educational content, such as "The McKenney Minute" newsletter, if you've opted in
- Comply with federal and state laws, including NMLS licensing requirements, the Fair Housing Act, the Equal Credit Opportunity Act, the Truth in Lending Act, RESPA, the Telephone Consumer Protection Act (TCPA), and applicable state mortgage regulations
- Prevent fraud, enforce our terms, and protect the safety and integrity of our website and clients
3. How We Share Your Information
We never sell your information. We share it only in the following situations:
With service providers who help us run our business
We use third-party services for customer relationship management (CRM), email and text messaging, website analytics, and loan processing. These vendors process your information only on our behalf and under contract. Examples include our CRM provider (GoHighLevel), our email and SMS service providers, and our website analytics providers.
With wholesale lenders and loan partners
When you apply for a loan with us, we share your application and supporting information with the wholesale lender(s) we believe offer the best fit for your situation. This is a necessary part of originating a mortgage. You'll receive disclosures specific to the lender(s) we submit your application to.
When required by law
We may disclose your information if required by law, subpoena, court order, or other legal process, or to cooperate with regulators, law enforcement, or investigations into potential fraud or other wrongdoing.
In the event of a business transaction
If McKenney Home Lending is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You'll receive notice and continued protection under this policy or a successor policy.
4. Your Rights and Choices
Marketing emails
You can opt out of marketing emails at any time by clicking the "unsubscribe" link at the bottom of any email, or by emailing us at rob@mckenneyhomelending.com. We will still send you transactional emails related to an active loan application, regardless of marketing preferences.
Text messages (SMS)
Opt-in. To receive text messages from McKenney Home Lending LLC, you must explicitly opt in by providing consent. You can opt in by submitting a form on this website that requests your phone number and indicates you agree to receive texts, or by texting JOIN to (810) 819-8686. By providing your phone number on any form (including the Refi Watchlist, Get A Quote, Apply Online, or Contact forms) and agreeing to receive text messages, you consent to receive SMS messages from us for the purposes described at the point of submission — typically updates on a mortgage application, appointment reminders, rate-alert notifications, and other communications related to the services you've inquired about.
Opt-out. You can stop text messages at any time by replying STOP to any text we send. Message frequency varies. Standard message and data rates may apply. You are not required to consent to text messages as a condition of obtaining any product or service from McKenney Home Lending.
Data sharing for SMS. We do not share mobile information collected for text messaging with third parties or affiliates for marketing or promotional purposes. Mobile opt-in data and consent are not shared with third parties for their own marketing use.
Email. By providing your email address on any form, you agree to receive emails from McKenney Home Lending LLC. Message frequency varies. You may unsubscribe at any time by clicking the unsubscribe link in any email.
Do Not Call
We honor the National Do Not Call Registry. If you've registered your number and you receive a call from us, it's because you have an existing relationship with us or you've explicitly requested contact through one of our forms. You may ask to be added to our internal do-not-call list at any time.
Access, correction, and deletion
You can request a copy of the information we hold about you, ask us to correct inaccuracies, or request deletion of your information (subject to legal retention requirements). Email your request to rob@mckenneyhomelending.com. We may need to verify your identity before fulfilling the request. We respond to most requests within 30 days.
5. How We Protect Your Information
We use administrative, technical, and physical safeguards designed to protect the information you provide us. Our website uses SSL/TLS encryption for data transmission. Our CRM and loan-processing tools use industry-standard security practices. We limit access to your information to employees and service providers who need it to perform their job functions.
No method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. If we ever experience a data breach that affects you, we'll notify you as required by applicable state law.
6. Data Retention
We retain your information for as long as necessary to provide our services, comply with our legal obligations (including federal and state record-retention requirements for mortgage origination), resolve disputes, and enforce our agreements. Mortgage application records are typically retained for at least 25 months from the date of loan decision, as required by federal regulation. Marketing contact information is retained until you opt out.
7. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to recognize you when you return, remember your preferences, and understand how visitors use the site. We use:
- Strictly necessary cookies — required for the site to function (for example, form submission)
- Analytics cookies — to understand site usage and improve performance (for example, Google Analytics)
- Marketing cookies — to measure the effectiveness of our advertising and retarget visitors who have shown interest
You can control cookies through your browser settings. Blocking some types of cookies may affect your experience of the site.
8. State-Specific Rights
California residents
If you're a California resident, the California Consumer Privacy Act (CCPA) gives you specific rights regarding your personal information, including the right to know what personal information we collect, to request deletion, and to opt out of the sale or sharing of your personal information. We do not sell personal information. To exercise your rights, email rob@mckenneyhomelending.com.
Other state privacy laws
Residents of other states with comprehensive privacy laws (including but not limited to Virginia, Colorado, Connecticut, Utah, Texas, and Oregon) may have similar rights. Contact us using the information above to exercise those rights.
9. Children's Privacy
Our services are not directed to, and we do not knowingly collect information from, anyone under the age of 18. If we learn that we've collected information from a minor, we'll delete it.
10. Third-Party Links
Our website may link to third-party websites — for example, to verify NMLS licensing at nmlsconsumeraccess.org, or to external resources. We are not responsible for the privacy practices of those sites. Review their privacy policies before submitting information.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Material changes will be announced on our website and, where feasible, communicated by email. Continued use of the site after changes take effect constitutes acceptance of the revised policy.
12. Contact Us
If you have questions about this Privacy Policy or our privacy practices, contact us:
McKenney Home Lending, LLC
Attention: Rob McKenney, Compliance Officer
1911 Mystic Hills Drive
Milford, Michigan 48380
Office: (810) 819-8686 · Cell: (248) 491-8998
Email: rob@mckenneyhomelending.com
NMLS: Rob McKenney #23394 · McKenney Home Lending, LLC #2497854
Verify licensing at nmlsconsumeraccess.org