Effective Date: April 1, 2026 · Last Updated: April 2, 2026
1. Introduction
Welcome to STL Home Lenders (stlouishomelenders.com), operated from St. Louis, Missouri. We appreciate your trust and want you to understand exactly how your information is handled when you visit our website or submit a form.
STL Home Lenders is a lead generation service — we are not a mortgage lender, broker, or bank. Our purpose is to connect homebuyers and homeowners in the St. Louis area with licensed Missouri mortgage professionals who can help them explore loan options and get pre-approved. When you submit your information through our website, you are requesting to be matched with and contacted by one or more of our lending partners.
This Privacy Policy explains what information we collect, why we collect it, how we share it, and what choices you have. By using our website or submitting a form, you agree to the practices described in this policy.
We collect the following categories of information when you use our website:
Personal Information You Provide
When you complete our quote request form, you voluntarily provide us with:
- Full name (first and last)
- Email address
- Phone number
- Loan type you are interested in (e.g., purchase, refinance, FHA, VA)
- Estimated home price or loan amount
- Self-reported credit score range
Automatically Collected Information
When you visit our website, we automatically collect certain technical and usage data, including:
- Device information: browser type and version, operating system, screen resolution, and device type (desktop, mobile, tablet)
- Network information: your IP address and approximate geographic location derived from it
- User agent string: a technical identifier that describes your browser and operating system
- Usage data: pages you visit, time spent on each page, links you click, and referring URLs
Advertising and Campaign Data
If you arrive at our website through a paid advertisement (such as a Facebook or Instagram ad), we capture UTM parameters and other campaign tracking data appended to the URL. This may include:
- The ad campaign name and source (e.g., utm_source, utm_medium, utm_campaign)
- The specific ad or ad set you clicked
- Facebook click identifiers (fbclid)
This information helps us understand which advertising efforts are effective and does not, by itself, identify you personally.
3. How We Use Your Information
We use the information we collect for the following purposes:
- Matching you with lenders: Your form submissions are shared with licensed Missouri mortgage lenders and lending partners so they can contact you about loan options that may fit your needs. This is the core purpose of our service.
- Contacting you: We or our lending partners may reach out to you by phone, email, or text message to follow up on your request.
- Analytics and performance: We use tracking data to understand how visitors use our website, measure the effectiveness of our advertising campaigns, and identify areas for improvement.
- Improving our website: We use aggregated usage data to improve site design, content, and user experience.
- Compliance and protection: We may use your information to comply with legal obligations, enforce our terms, or protect our rights and the safety of our users.
4. How We Share Your Information
This is an important section — please read it carefully.
When you submit your information through our quote request form, you are requesting to be connected with licensed mortgage professionals. As such, we share your personal information — including your name, email address, phone number, loan type, home price, and credit score range — with one or more licensed Missouri mortgage lenders and lending partners so they can contact you directly to discuss your loan options and help you get pre-approved.
By submitting the form, you consent to being contacted by a licensed mortgage professional via phone, email, or text message regarding your mortgage inquiry.
We want to be clear about what we do and do not do with your information:
- We DO share your submitted information with specific licensed lending partners who may be able to help you with your mortgage needs.
- We DO NOT sell bulk data lists or share your information with unrelated third parties for their own marketing purposes.
- We DO NOT share your information with anyone who is not involved in providing the mortgage-related services you requested.
We may also share your information in the following limited circumstances:
- Service providers: We use third-party services (described in Section 5 below) to host our website, store data, and analyze traffic. These providers access your information only to perform services on our behalf.
- Legal requirements: We may disclose your information if required by law, subpoena, court order, or government regulation.
- Business transfers: If STL Home Lenders is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.
5. Third-Party Services
We use the following third-party services to operate our website and deliver our service. Each has its own privacy policy governing how it handles data:
- Facebook Pixel (Meta): We use Meta's tracking pixel to measure the effectiveness of our Facebook and Instagram advertising campaigns. The pixel collects data about your activity on our site and sends it to Meta, which may use it in accordance with its own Data Policy. This includes information about pages visited, form submissions, and device data.
- Google Analytics: We use Google Analytics to understand how visitors interact with our website, including page views, session duration, traffic sources, and device information. Google Analytics uses cookies and collects data in accordance with Google's Privacy Policy. You can opt out using the Google Analytics Opt-out Browser Add-on.
- Supabase: We use Supabase as our database and backend service to securely store form submissions. Your personal information submitted through our form is stored in a Supabase-hosted database. Supabase's privacy practices are described in their Privacy Policy.
- Vercel: Our website is hosted on Vercel's platform. Vercel may collect standard server logs (including IP addresses) as part of delivering our website to you. Vercel's privacy practices are described in their Privacy Policy.
6. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies for the following purposes:
- Analytics cookies: Google Analytics sets cookies (such as
_ga and _gid) to distinguish unique visitors and track sessions.
- Advertising cookies: The Facebook Pixel sets cookies (such as
_fbp) to track conversions from Facebook ads and build audiences for ad targeting.
- Functional data: We may store UTM parameters and campaign data in your browser's local storage or session storage to attribute your visit to a specific ad campaign.
You can control or delete cookies through your browser settings. Most browsers allow you to block third-party cookies or clear all cookies. Please note that disabling cookies may affect the functionality of our website and our ability to properly attribute your visit.
For more control over ad tracking, you can visit:
7. Data Retention
We retain your personal information for as long as reasonably necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law. Specifically:
- Form submissions: We retain your submitted personal information (name, email, phone, loan details) for up to 24 months from the date of submission, or until you request its deletion, whichever comes first.
- Analytics data: Data collected by Google Analytics and Facebook Pixel is retained in accordance with those platforms' own retention policies. Google Analytics data is set to the default retention period configured in our account.
- Server logs: Standard server logs (including IP addresses) collected by our hosting provider are retained in accordance with Vercel's data retention practices.
After the applicable retention period, we will delete or anonymize your personal information. If deletion is not immediately possible (for example, because the data has been stored in backup archives), we will securely store and isolate your data from further processing until deletion is possible.
8. Your Rights
You have the following rights regarding your personal information:
- Right to access: You may request a copy of the personal information we hold about you.
- Right to correction: You may request that we correct inaccurate or incomplete personal information.
- Right to deletion: You may request that we delete your personal information from our records. We will comply with your request unless we are legally required to retain certain data.
- Right to opt out of communications: If you no longer wish to be contacted by our lending partners, you can let us know and we will communicate your preference to them. Please note that once your information has been shared with a lender, you may also need to contact that lender directly to opt out of their communications.
To exercise any of these rights, please contact us at contact@stlouishomelenders.com. We will respond to your request within 30 days.
9. California Privacy Rights (CCPA)
If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information:
- Right to know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which the information was collected, the business purpose for collecting the information, and the categories of third parties with whom we have shared the information.
- Right to delete: You have the right to request the deletion of your personal information, subject to certain exceptions.
- Right to non-discrimination: We will not discriminate against you for exercising any of your CCPA rights.
- Right to opt out of sale: While we do not sell your personal information in the traditional sense (we do not sell bulk data lists), we do share your information with lending partners as described in Section 4. Under the CCPA's broad definition of "sale," this sharing may qualify. You have the right to opt out of this sharing by contacting us at contact@stlouishomelenders.com.
To exercise your CCPA rights, please email us at contact@stlouishomelenders.com with the subject line "CCPA Request." We may need to verify your identity before processing your request. You may also designate an authorized agent to make a request on your behalf.
10. Children's Privacy
Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has submitted personal information through our website, please contact us at contact@stlouishomelenders.com and we will promptly delete that information from our records.
11. Security Measures
We take the security of your personal information seriously and implement reasonable administrative, technical, and physical safeguards to protect it. These measures include:
- All data transmitted between your browser and our website is encrypted using HTTPS/TLS encryption.
- Form submissions are stored securely in our Supabase database, which provides row-level security, encryption at rest, and encrypted connections.
- Access to personal information is restricted to authorized personnel only.
- Our hosting platform (Vercel) provides enterprise-grade infrastructure security, including DDoS protection and automatic SSL.
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security. You provide your information at your own risk.
12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last Updated" date at the top of this page.
If we make material changes to how we handle your personal information, we will provide prominent notice on our website prior to the change taking effect. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
STL Home Lenders
St. Louis, Missouri
Email: contact@stlouishomelenders.com
We will do our best to respond to all inquiries within 30 days.