Privacy notice

Last updated October 27, 2026

This notice describes the information used by the CROSSCREST website and consultation inquiries. It applies to this site, initial applications and My plan, not to an external lender or listing service.

What happens on this site

The site offers saved consultation plans and a company-level initial application. It does not run credit checks, submit loans to a lender or accept document uploads. Calculator amounts and loan assumptions are calculated in your browser. Using a calculator alone does not send these values to CROSSCREST. If you choose “Discuss these numbers,” you can review the calculation details included with your inquiry or remove them before submitting. Calculator inputs are kept in session storage in the current browser tab so they remain available when you return from a guide, until that tab’s browser session ends.

Ordinary website delivery involves technical information such as an IP address, browser details and requested pages. Hosting providers may process this information to deliver and secure the website; this notice does not promise a hosting-log retention period.

Consultation inquiries

When you request a conversation, we collect your name, selected contact method and contact details, inquiry purpose, optional note, and your consent to be contacted about that inquiry. If you keep the included context, we also receive the calculator inputs and estimate or home-search preferences shown in the form. We record the page and button where you started and limited campaign labels, if provided. We use this information to respond, assign and follow up on your inquiry, and understand which entry points help visitors.

Inquiry records and contact history are stored on our server and available to authorized staff. Sending an inquiry does not create a mortgage application, credit inquiry, a loan account or document-sharing permission. We do not automatically send inquiry details to external lenders or listing services. The contact consent is specific to your inquiry and does not enroll you in marketing.

To prevent duplicate delivery after a connection interruption, a submitted request and its identifier may be kept in this tab’s session storage until delivery is confirmed. A successful response clears that pending request from the tab. Closing the tab ends this browser session, subject to your browser’s session-restoration behavior. A request already accepted by our server remains available for staff follow-up.

Initial applications

Apply lets you prepare an initial application for CROSSCREST without choosing an individual loan officer. Sign-in is required to save and resume it. We use the hosting platform’s authenticated account identifier to keep each application private to its account; a name, email address or application reference alone does not grant access.

The form collects the answers you choose to provide about your financing goal, property, contact preferences, household, employment, estimated income, assets and monthly debt. Optional document checkboxes record what you have ready; they do not upload files. Do not enter Social Security numbers, birth dates, bank account numbers or original financial documents in this form or its notes.

Saved drafts are stored on our server, not in browser local or session storage. Use “Save & continue” or “Save & exit” to save your current step. Sending the reviewed application creates a company intake record and an immutable submitted copy. Authorized administrators and the currently assigned team member can open it for follow-up. We do not send it automatically to a lender, pull credit, provide electronic-signature disclosures or send account-invitation emails. Our team will arrange any formal application and secure document collection separately.

Mortgage application workspace

Apply starts with sign-in or account creation through our hosting platform’s authentication service. The application workspace stores the answers you save on our server, associated with your authenticated account identifier. Name, email or an application reference alone does not grant access. You can return to the saved draft using the same account. Saving from an older tab cannot overwrite a newer saved version without reloading it.

The workspace collects the financing goal, property, contact, household, employment, income, assets, debts, declarations and optional demographic or language answers you provide. Social Security numbers, birth dates, account numbers and signatures are not collected by these forms; secure provider fields remain unavailable. Do not put those details in notes or messages. Required secure collection is arranged separately with the licensed team.

Sending your reviewed details creates a submitted copy and a company intake record for follow-up. The submitted copy stays unchanged. The currently assigned staff member and authorized administrators can open it; other customer accounts cannot. A partial request is labeled as needing information. No credit inquiry, lender submission, appraisal order, insurance placement or legally binding consent or signature is performed automatically.

Document collection, individual co-borrower invitations and loan-provider actions require separate connections. They are shown as unavailable in the account workspace until a connected service supplies them. The optional UI preview uses fictional applications and browser-memory state to demonstrate those screens; example files and messages are not sent or saved to your real application.

Consultation and Contact us

The five-step journey asks about your mortgage goal, timing, current planning stage, desired loan amount range and callback details. Contact us asks for your name, phone number and message. After you expressly agree to follow-up, the request reaches the CROSSCREST inquiry inbox and My plan. If delivery cannot be confirmed, the exact pending request is kept in this tab’s session storage to support a retry without creating a duplicate. This is distinct from electronic-delivery, marketing or credit authorization.

My plan

After you send an inquiry, My plan lets you review its saved calculation or search preferences, your assigned advisor when available, and the next consultation step. A secure browser cookie keeps access to inquiries submitted from this browser for up to 180 days. This cookie contains a random access value; customer details are stored on our server. Clearing site cookies or using another browser removes this browser-only access.

You can optionally sign in to save plans to your account and return on another device. Signing in establishes your identity and shows only plans already saved to that account. If an unclaimed plan is available in this browser, its details stay hidden until you choose “Save to my account.” Only save browser plans you created. Inquiries sent while signed in are saved to that account directly. An inquiry contact address or receipt number alone cannot retrieve a plan. Staff notes, internal follow-up schedules and staff-only LOS links are not shown in My plan. Account sign-in does not subscribe you to marketing.

Address search and maps

When you explicitly choose “Find this address,” the address you entered is sent directly from your browser to the U.S. Census Bureau’s geocoding service. Addresses are not sent on each keystroke. A small in-memory cache avoids repeat lookups during that page session; it is not an account or saved search.

The map requests tiles and fonts from OpenFreeMap. These requests reveal ordinary network information to that service. The map does not request your device’s precise location.

External services

Fonts load from Google Fonts. Your browser connects to Google to retrieve the stylesheet and font files. See Google Fonts’ privacy information.

Listing links open HiCentral in a new tab. Your selected area, property type, price and bedroom filters—or an address you choose—may be included in that destination URL. Information you provide after leaving this site is governed by that service’s own policies.

Storage and tracking

The public website’s own code does not set advertising cookies or use analytics trackers. Calculator inputs and pending inquiry delivery use tab-scoped session storage. My plan uses an essential, HttpOnly access cookie and optional hosting-platform sign-in cookies. Campaign labels are submitted only with an inquiry; names, contact details and calculator inputs are not sent to advertising analytics by our code. Third-party destinations and the site hosting service have their own processing practices.

Your choices

You can use the calculator without entering an address. You can choose an area rather than request address lookup, follow the listing links directly, or leave the page. You can review and remove included calculator or search details before sending an inquiry. Do not enter Social Security numbers, birth dates, account numbers or original financial documents. Only provide financial estimates in the signed-in Apply form when you choose to do so. For a correction, deletion request or question about an inquiry, use “Start your journey,” select a general question, and include the inquiry reference if available. We will verify requests before disclosing or changing information.

Changes

We will update this notice when our data flows change. Inquiry information is kept for follow-up and applicable recordkeeping; deletion requests are reviewed subject to those requirements. A financial institution’s applicable customer privacy disclosures are separate from this website notice.