Privacy Policy

Smith Lending Solutions (“we,” “us,” or “our”) is a DBA of Nexa Mortgage, LLC, NMLS #1660690. We are committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage lending services.

As a financial institution, we comply with the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations, which require us to provide you with this notice of our privacy practices and to safeguard your nonpublic personal information.

We may collect the following categories of personal information:

Information You Provide

• Contact information (name, email address, phone number, mailing address)
• Financial information (income, assets, debts, employment history, credit information)
• Government-issued identification numbers (Social Security number, driver’s license number)
• Property information related to mortgage applications
• Information provided through pre-approval forms, loan applications, and contact forms

Information Collected Automatically

• Device and browser information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, referring URL, click behavior)
• Cookies and similar tracking technologies (see our Cookie Policy)
• Geolocation data (approximate, based on IP address)

We use the information we collect to:

• Process and evaluate mortgage loan applications and pre-approvals
• Communicate with you about your application, account, or inquiries
• Provide personalized rate quotes, mortgage calculations, and lending recommendations
• Comply with legal and regulatory requirements, including identity verification and fraud prevention
• Improve our website, services, and customer experience
• Send marketing communications (with your consent, where required)
• Conduct internal analytics and business operations

We may share your personal information with the following categories of third parties:

• Nexa Mortgage, LLC— as our parent company and licensed mortgage entity
• Loan servicers and investors— to facilitate mortgage origination, processing, and servicing
• Credit reporting agencies— to verify creditworthiness and report account activity
• Service providers— including title companies, appraisers, insurance providers, and technology vendors who assist in loan processing
• Government agencies and regulators— as required by law or regulation
• Legal and compliance— to respond to legal process, enforce our agreements, or protect rights and safety

We do not sell your personal information to third parties for marketing purposes.

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and personalize content. These include essential cookies required for site functionality, analytics cookies to understand usage patterns, and preference cookies to remember your settings.

For detailed information about the cookies we use and how to manage them, please see our Cookie Policy.

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Access controls limiting employee access to personal information on a need-to-know basis
• Regular security assessments and monitoring
• Employee training on data protection and privacy practices
• Secure disposal of personal information when no longer needed

While we strive to protect your information, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

As a financial institution operating under Nexa Mortgage, LLC, we comply with the Gramm-Leach-Bliley Act (GLBA), including:

• Financial Privacy Rule— We provide this privacy notice explaining our information-sharing practices and your right to opt out of certain sharing.
• Safeguards Rule— We maintain a comprehensive information security program to protect customer data.
• Pretexting Protection— We have measures to detect and prevent unauthorized access to customer information through false pretenses.

You may opt out of having your nonpublic personal information shared with non-affiliated third parties for purposes other than servicing your loan by contacting us at the information provided below.

Virginia Consumer Data Protection Act (VCDPA)

If you are a Virginia resident, you have the right to access, correct, delete, and obtain a copy of your personal data. You may also opt out of the processing of your personal data for targeted advertising, sale, or profiling. To exercise these rights, contact us using the information below.

California Consumer Privacy Act (CCPA)

While we are primarily licensed in VA, DE, FL, and MD, California residents who interact with our services have the right to know what personal information we collect, request deletion, and opt out of any sale of personal information. We do not sell personal information. To submit a verifiable consumer request, contact us using the information below.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with regulatory requirements (including mortgage record retention requirements), resolve disputes, and enforce our agreements. Mortgage-related records are generally retained for a minimum of three years after loan closing or application withdrawal, or longer as required by applicable law.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will promptly delete it.

We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last updated” date below and, where required, provide additional notice. We encourage you to review this policy periodically.

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to opt out of information sharing, please contact us: