Effective Date: Jan 2026
Last Updated: Jan 2026

Welcome to Xcel Lending, Inc. (“Xcel Lending,” “we,” “us,” or “our”).
This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit www.xcellending.com (the “Website”) and when you apply for or inquire about mortgage products and related services.

Xcel Lending is a mortgage company based in the State of California and complies with applicable federal and California privacy laws, including the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and the Gramm-Leach-Bliley Act (GLBA).

We collect information necessary to provide mortgage lending services and operate our business.

This may include:

• Full nam 
• Date of birth
• Social Security number
• Driver’s license or government-issued ID
• Home address and mailing address
• Email address
• Phone number 
• Employment and income information
• Bank account and asset information 
• Credit history and credit score
• Property information
   

When you visit our Website, we may automatically collect:

• IP address
• Browser type
• Device type
• Pages visited 
• Time spent on pages
• Referring URLs
   

We may use cookies and similar tracking technologies to improve user experience and analyze website traffic.

We use your information to:

• Process mortgage applications 
• Verify identity and creditworthiness
• Communicate with you about loan products and services 
• Provide customer support
• Comply with legal and regulatory obligations
• Prevent fraud and enhance security 
• Improve our Website and services
   

We do not sell your personal information.

We may share your information with:

• Credit reporting agencies
• Loan processors and underwriters
• Title and escrow companies
• Appraisers
• Mortgage investors and secondary market participants 
• Government agencies or regulators 
• Service providers who perform services on our behalf 
• Legal authorities when required by law
   

All third parties are required to protect your information and use it only for legitimate business purposes.

If you are a California resident, you have the following rights:

• Right to Know – Request disclosure of the personal information we collect and how we use it.
• Right to Delete – Request deletion of your personal information (subject to legal exceptions).
• Right to Correct – Request correction of inaccurate personal information.
• Right to Limit Use of Sensitive Personal Information
• Right to Non-Discrimination – We will not discriminate against you for exercising your privacy rights.
   

To exercise your rights, contact us at:

Email: [Myra@XcelLending.com]
Phone: [714-442-4049]

We may verify your identity before processing your request.

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure.

However, no internet transmission is completely secure, and we cannot guarantee absolute security.

We retain personal information as long as necessary to:

• Provide services
• Comply with legal and regulatory requirements 
• Resolve disputes
• Enforce agreements
   

Our Website may contain links to third-party websites. We are not responsible for the privacy practices of those websites.

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors.

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date.

If you have any questions about this Privacy Policy, please contact:

Xcel Lending
California, USA
Email: [myra@xcelLending.com]
Phone: [714-442-4049]