Privacy Policy

STL Loan Advisors LLC ("STL Loan Advisors," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy describes how STL Loan Advisors LLC collects, uses, shares, and protects information when you visit our website, submit a mortgage inquiry or application, communicate with us, use our borrower portal, receive text messages from us, or otherwise use our services.

This Privacy Policy supplements any additional privacy notices or disclosures that we may provide in connection with mortgage brokerage services or as required by federal or state law.

STL Loan Advisors LLC
NMLS ID: 2579573
2528 State Highway K, Ste 204F
O'Fallon, MO 63368

Phone: (217) 691-5400
Email: jack@stlloanadvisors.com
Website: https://stlloanadvisors.com

STL Loan Advisors LLC is a mortgage brokerage company that assists consumers and business-purpose borrowers with obtaining mortgage financing from third-party lenders.

The personal information we collect depends on the products or services you request and your interactions with us.

Information we may collect includes:

• Name; 
• Mailing and residential address; 
• Email address; 
• Telephone and mobile phone number; 
• Social Security number or other identifying information; 
• Date of birth; 
• Income information; 
• Employment information and employment history; 
• Asset and account information; 
• Account balances; 
• Payment history; 
• Credit history; 
• Credit scores; 
• Debt and liability information; 
• Property information; 
• Mortgage and loan information; 
• Information relating to your requested mortgage transaction; 
• Documents and information you upload or otherwise provide to us; 
• Communications between you and STL Loan Advisors; and 
• Other information necessary to evaluate, process, facilitate, or service your mortgage inquiry or application. 

We may also collect information from third parties, including credit bureaus, mortgage lenders, verification providers, service providers, and other companies involved in evaluating or processing your requested transaction.

When you use our website, online forms, mortgage application, borrower portal, or other electronic services, we may receive information you voluntarily provide, such as your name, email address, telephone number, property information, requested loan information, and other information entered into a form or application.

Our website and technology providers may also automatically receive certain technical information associated with your use of the website, such as:

• Internet Protocol (IP) address; 
• Browser type; 
• Device type; 
• Operating system; 
• Pages visited; 
• Referring website or source; 
• Date and time of visits; and 
• Other information relating to website performance, security, or usage. 

This information may be used to operate our website, improve functionality, maintain security, diagnose technical issues, understand website usage, and provide requested services.

We may use personal information for purposes including:

• Responding to mortgage inquiries; 
• Processing mortgage applications; 
• Evaluating potential mortgage loan options; 
• Obtaining loan pricing and program information; 
• Submitting loans or loan information to mortgage lenders; 
• Processing and facilitating mortgage transactions; 
• Verifying information provided by applicants; 
• Communicating with applicants and customers; 
• Requesting documents or additional information; 
• Providing status updates; 
• Coordinating appraisals, title services, insurance, closing, and other transaction-related services; 
• Maintaining business and transaction records; 
• Protecting against fraud, unauthorized access, or other security risks; 
• Complying with legal, regulatory, licensing, auditing, and record-retention requirements; 
• Responding to court orders, subpoenas, legal investigations, or other lawful requests; and 
• Operating and improving our business and services. 

Financial companies need to share certain personal information to conduct ordinary business activities. STL Loan Advisors LLC may share information when reasonably necessary to process or facilitate your requested mortgage transaction or otherwise conduct our everyday business.

For example, information may be provided to mortgage lenders, credit reporting agencies, appraisal companies, title or settlement providers, verification companies, insurance providers, technology providers, loan servicers, governmental or regulatory authorities, and other parties involved in a mortgage transaction or required by law.

Everyday business purposes:
We may share personal information as necessary to process transactions, maintain records, respond to legal requests, prevent fraud, or conduct other everyday business activities.

Our marketing purposes:
We do not share your personal information with third parties so that they can market their products or services to you.

Joint marketing with other financial companies:
We do not engage in joint marketing in which personal information is shared with other financial companies for joint marketing purposes.

Affiliate marketing:
STL Loan Advisors LLC currently has no affiliates with which it shares personal information for affiliate marketing purposes.

Nonaffiliate marketing:
We do not share personal information with nonaffiliated companies so that those companies can market their products or services to you.

We do not sell customer personal information.

STL Loan Advisors LLC may communicate by SMS or MMS text message with individuals who affirmatively consent to receive text messages from us.

When you opt in to text messaging, we may collect and maintain:

• Your mobile telephone number; 
• Your SMS opt-in status; 
• The date, time, and method by which consent was provided; 
• Records of SMS communications between you and STL Loan Advisors; 
• Opt-out requests; and 
• Other information reasonably necessary to operate our SMS messaging program. 

SMS communications may be used in connection with your mortgage inquiry, application, or transaction, including:

• Responding to inquiries; 
• Application reminders; 
• Document requests; 
• Loan-processing updates; 
• Underwriting or condition updates; 
• Appraisal notifications; 
• Appointment reminders; 
• Rate-lock or loan-status information; 
• Closing and funding information; 
• Customer-service communications; and 
• Other communications related to services you have requested. 

STL Loan Advisors LLC does not sell, rent, share, or provide your mobile phone number, SMS opt-in information, or text messaging consent to third parties or affiliates for their marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be sold, rented, transferred, or shared with third parties or affiliates for their own marketing or promotional purposes.

This limitation applies specifically to mobile information and SMS consent regardless of other provisions of this Privacy Policy concerning information used or disclosed for ordinary business purposes.

Twilio currently places particular importance on this distinction because SMS consent must remain specific to the sender rather than being passed to another business for marketing. 

Consent to receive text messages from STL Loan Advisors LLC is voluntary.

You are not required to consent to SMS communications as a condition of applying for, obtaining, or purchasing mortgage brokerage services or any other product or service from STL Loan Advisors LLC.

Where SMS consent is collected through an online application or form, consent will be obtained separately from general acceptance of website Terms & Conditions.

Message frequency varies depending on your communications with us and the status of your mortgage inquiry, application, or transaction.

You may receive more frequent messages while an application is actively being processed or approaching closing and fewer or no messages when there is no active transaction.

Message and data rates may apply.

Your wireless carrier's standard messaging and data charges may apply.

You may stop receiving SMS messages from STL Loan Advisors LLC at any time by replying:

STOP

After opting out, you may receive a confirmation message indicating that you have been unsubscribed. You will not receive additional messages through that SMS program unless you subsequently opt in again.

For assistance with SMS messages, reply:

HELP

You may also contact us at:

Phone: (217) 691-5400
Email: jack@stlloanadvisors.com

Wireless carriers are not liable for delayed or undelivered messages.

Our website or technology providers may use cookies and similar technologies to operate the website, maintain security, remember preferences, measure website performance, and understand how visitors interact with the site.

Cookies are small files stored on or associated with your device. Depending on your browser, you may be able to block, delete, or otherwise manage cookies through your browser settings.

Disabling certain cookies may affect the functionality of portions of our website.

We may use third-party service providers to assist us in operating our business, website, mortgage technology systems, communications, data storage, security, or transaction processing.

These providers may receive information when reasonably necessary to perform services on our behalf.

The use of service providers for operational purposes does not permit the sale or transfer of your SMS opt-in consent to other companies for their marketing or promotional purposes.

Third-party websites or services may have their own privacy policies and terms. We encourage you to review those policies when interacting directly with a third party.

Because STL Loan Advisors LLC is a mortgage broker, information you provide may need to be transmitted to one or more prospective or selected mortgage lenders for purposes of evaluating or processing your requested loan.

Information may also be provided as reasonably necessary to parties involved in your mortgage transaction, such as:

• Mortgage lenders and investors; 
• Credit reporting agencies; 
• Appraisal management companies and appraisers; 
• Title and settlement companies; 
• Insurance providers; 
• Verification providers; 
• Loan servicing companies; and 
• Other companies involved in processing, underwriting, closing, funding, or servicing your mortgage. 

These disclosures are made for purposes associated with your requested transaction and are not permission for those companies to use your SMS messaging consent to independently market to you.

To protect personal information from unauthorized access and use, STL Loan Advisors LLC maintains security measures designed to comply with applicable federal requirements.

These measures may include administrative, technical, physical, and computer safeguards, as well as measures intended to protect electronic records, files, systems, and physical records.

Although we take reasonable measures to protect personal information, no electronic system, network, data transmission, or storage system can be guaranteed to be completely secure.

As part of the mortgage application process, we may obtain credit information when you have provided the authorization required to do so.

Information obtained from consumer reporting agencies may include credit history, credit accounts, payment history, outstanding balances, credit scores, inquiries, and other information relevant to evaluating your mortgage application.

Acceptance of our website Terms & Conditions or SMS terms alone does not constitute authorization to obtain a consumer credit report.

Our mortgage brokerage services are not directed toward children under the age of 13, and we do not knowingly solicit personal information from children under 13 through our website.

If we become aware that information has been collected from a child under 13 in circumstances where parental consent is required, we will take appropriate steps consistent with applicable law.

Federal law gives consumers the right to limit certain types of information sharing, although not all sharing may be limited.

Depending on applicable federal or state law, you may have additional rights concerning your personal information.

You may contact STL Loan Advisors LLC with questions concerning our privacy practices or your rights.

State laws may provide residents of certain states with additional privacy rights.

These rights vary based on the jurisdiction, the type of information involved, and whether an applicable exemption applies to financial institutions or information regulated under federal financial privacy laws.

STL Loan Advisors LLC will honor applicable privacy rights as required by law.

We may retain personal information and mortgage-related records for the period necessary to:

• Provide requested services; 
• Complete mortgage transactions; 
• Maintain required business records; 
• Satisfy federal and state mortgage record-retention requirements; 
• Meet licensing, regulatory, compliance, tax, accounting, audit, and legal obligations; 
• Resolve disputes; and 
• Protect legal rights. 

Retention periods may differ depending on the type of information and applicable legal requirements.

We may disclose personal information when we reasonably believe disclosure is required or permitted by law, regulation, court order, subpoena, governmental request, examination, investigation, or other lawful process.

We may also use or disclose information where reasonably necessary to detect or prevent fraud, security incidents, illegal activity, or misuse of our systems.

Our website may contain links to websites or services operated by third parties.

STL Loan Advisors LLC is not responsible for the privacy practices of independently operated third-party websites. Their collection and use of information are governed by their own privacy policies.

We may revise this Privacy Policy periodically to reflect changes in our business practices, services, technology, legal requirements, or regulatory obligations.

When material changes are made, we will update the Effective Date shown at the top of this Privacy Policy.

We encourage you to review this Privacy Policy periodically.

STL Loan Advisors LLC may also provide customers with a separate financial privacy notice required by applicable federal law.

That notice provides additional information concerning the categories of financial information we collect, reasons such information may be shared, and consumers' rights to limit certain types of sharing.

This online Privacy Policy is intended to supplement, rather than replace, legally required transaction-specific or financial privacy notices.

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

STL Loan Advisors LLC
2528 State Highway K, Ste 204F
O'Fallon, MO 63368

NMLS ID: 2579573
Phone: (217) 691-5400
Email: jack@stlloanadvisors.com
Website: https://stlloanadvisors.com

Effective Date: September 19, 2026