Privacy Policy
Last updated: March 17, 2026
1. Introduction
Dylan Bunch / Bunch Home Loans, NMLS #2283470 ("we," "us," or "our"), respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website bunchhomeloans.com, use our services, or communicate with us. We are a mortgage lending business serving the Dayton, Ohio metropolitan area and surrounding communities.
2. Information We Collect
Personal Information: Name, email address, phone number, mailing address, Social Security Number (for loan applications), date of birth, employment information, income details, credit history, and financial account information.
Property Information: Property address, estimated home value, purchase price, loan amount, and loan type preferences.
Automatically Collected Information: IP address, browser type, operating system, referring URLs, pages visited, time spent on pages, and cookies/tracking technologies.
Communication Records: Records of SMS messages, emails, phone calls, and other communications between you and our office.
3. How We Use Your Information
- Process and evaluate mortgage loan applications
- Provide loan status updates and appointment reminders via SMS, email, or phone
- Send rate notifications and market updates (with your consent)
- Verify your identity and prevent fraud
- Comply with federal and state lending regulations
- Improve our website and services
- Respond to your inquiries and requests
- Send marketing communications (only with your explicit opt-in consent)
4. SMS/Text Messaging
If you opt in to receive SMS messages from us:
- Transactional Messages: Loan status updates, appointment reminders, rate notifications, and other service-related messages.
- Marketing Messages: Promotional offers, market updates, and homebuying tips (only if you provide separate, explicit consent).
- Message frequency varies based on your loan activity and preferences.
- Message and data rates may apply depending on your mobile carrier and plan.
- Reply STOP to any message to opt out of SMS communications.
- Reply HELP for assistance.
- SMS consent is not shared with third parties for marketing purposes.
5. Information Sharing and Disclosure
We may share your information with:
- Loan Processing Partners: Underwriters, appraisers, title companies, and other service providers necessary to process your mortgage application.
- Credit Bureaus: To verify credit history as part of the loan application process.
- Regulatory Authorities: As required by federal and state law, including RESPA, TILA, HMDA, and ECOA reporting requirements.
- Service Providers: Third-party vendors who assist with website hosting, data analytics, and email/SMS delivery.
We do not sell your personal information. We do not share SMS consent or phone numbers with third parties for marketing purposes.
6. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure. We use encryption for sensitive data transmission and maintain secure systems in accordance with industry standards and regulatory requirements.
7. Your Rights
You have the right to:
- Access the personal information we hold about you
- Request corrections to inaccurate information
- Opt out of marketing communications at any time
- Request deletion of your information (subject to legal retention requirements)
- Opt out of SMS messages by replying STOP
8. Cookies and Tracking
Our website uses cookies and similar technologies to enhance your experience, analyze site traffic, and understand usage patterns. You can control cookie preferences through your browser settings.
9. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this Privacy Policy periodically. The "Last updated" date at the top indicates when the policy was last revised. Your continued use of our website and services after changes constitutes acceptance of the updated policy.
11. Contact Us
If you have questions about this Privacy Policy or your personal information, contact us at:
Dylan Bunch / Bunch Home Loans
NMLS #2283470
Dayton, Ohio
Email: dylan@bunchhomeloans.com
Phone: (937) 901-4946
12. Company Privacy Policy
Bunch Home Loans operates under Cornerstone First Mortgage. For the full company privacy policy and legal disclosures, please visit: Cornerstone First Mortgage Legal & Privacy.