Legal
Consumer Privacy Notice
How we collect, share and protect the personal information of loan applicants and customers.
Rev. 10/26 · Effective October 28, 2026
If you ask us about a mortgage or apply for a loan through Oak Capital Mortgage, LLC (NMLS #1960829), federal law requires us to give you this notice. It explains what personal information we collect, how we share it, and how we protect it. For how our website uses cookies and analytics, see our Privacy Policy.
Download the printable notice (PDF)
FACTS: What does Oak Capital Mortgage, LLC do with your personal information?
Rev. 10/26
Why?
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.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- credit scores and checking account information
- mortgage rates and payments and employment information
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Oak Capital Mortgage, LLC chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Oak Capital Mortgage, LLC 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 | Yes | No |
| For our marketing purposes— to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| For nonaffiliates to market to you | No | We don’t share |
Questions? Call (704) 275-8175 or go to oakcapitalmortgage.com
Who we are
Who is providing this notice? Oak Capital Mortgage, LLC (NMLS #1960829)
What we do
How does Oak Capital Mortgage, LLC 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.
How does Oak Capital Mortgage, LLC collect my personal information? We collect your personal information, for example, when you
- apply for financing or give us your contact information
- give us your income information or give us your wage statements
- provide your mortgage information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives 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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include financial companies such as Oak Capital Title, LLC (title insurance); and others, such as Oak Title Ventures, LLC.
Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Oak Capital Mortgage, LLC does not share with nonaffiliates so they can market to you.
Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Oak Capital Mortgage, LLC doesn’t jointly market.
Questions? Call (704) 275-8175.
See what's possible for your next move.
Two minutes to tell us your goal. A licensed loan officer follows up personally.