Privacy Policy

Last Updated: August 29, 2026

Your privacy is important. This Privacy Policy explains how information may be collected, used, and shared when you visit this website or use its features.

This website is operated by Cody Miller, a Mortgage Loan Originator with First Federal Bank (https://www.1stfed.com/). Mortgage products, applications, prequalifications, and related financial services referenced on this website are offered through First Federal Bank.

This website is intended to provide general information about mortgage lending, homeownership, and the services I provide as a mortgage loan originator. It is not intended to replace any privacy notices, disclosures, agreements, or policies provided by First Federal Bank in connection with a mortgage application or other financial product or service.

Information You Provide Through This Website

Depending on how you interact with this website, you may choose to provide information such as:

Your name
Email address
Telephone number
General information about your homebuying or mortgage needs
Information included in a message or contact form
Other information you voluntarily provide

Please do not submit sensitive financial information, Social Security numbers, account numbers, passwords, or other confidential financial information through general website contact forms, email, or other unsecured communication methods.

If sensitive financial information or documentation is needed for a mortgage application, you will be directed to an appropriate secure application or document-delivery system.

Mortgage Applications & Financial Information

When you choose to begin a mortgage application or prequalification, you may be directed away from this website to a secure application platform used by First Federal Bank.

The mortgage application process may require substantially more information than is collected through this informational website, including information concerning your identity, employment, income, assets, liabilities, credit history, property, and other financial information necessary to evaluate and process a mortgage request.

Information submitted as part of that process is collected and processed on behalf of or in connection with First Federal Bank and is subject to the Bank’s applicable privacy notices, disclosures, and policies.

First Federal Bank’s Privacy Policy and Privacy Notice should be consulted for additional information regarding how the Bank collects, shares, uses, and protects personal information.

Third-Party Service Providers

This website and the mortgage process may rely on third-party companies and technology providers to provide certain functionality.

These may include providers that support:

Website hosting and operation
Website analytics
Contact or inquiry forms
Mortgage application and loan-origination technology
Secure document collection
Identity, income, employment, or asset verification
Credit-related services
Email, telephone, or other communications
Other services necessary to operate the website or process a mortgage request

For example, First Federal Bank may use third-party technology providers to facilitate its online mortgage application and related mortgage services.

When you follow a link to or interact with a third-party website, application, or service, that provider may collect or process information in accordance with its own privacy practices and its agreements with First Federal Bank, as applicable.

Third-party services may change from time to time, so this Policy does not attempt to identify every service provider by name.

Information Collected Automatically

Like most websites, certain technical information may be collected automatically when you visit this site.

Depending on the technologies enabled on the website, this may include:

Internet Protocol (IP) address
Browser and device information
Operating system
Referring website or source
Pages viewed
Date and time of visits
General website interaction and usage information
Cookies or similar technologies

This information may be used to operate, secure, maintain, and improve the website and to better understand how visitors interact with its content.

Cookies & Analytics

This website may use cookies, analytics tools, or similar technologies to understand website traffic, improve performance, remember preferences, or evaluate how visitors use the site.

Some of these technologies may be provided by third parties.

You may be able to limit or disable cookies through your browser settings. Doing so may affect the functionality of certain websites or features.

How Information May Be Used

Information collected through this website may be used to:

Respond to your questions or requests
Contact you regarding mortgage products or services you have expressed interest in
Assist you in beginning a mortgage prequalification or application
Provide educational information and resources
Operate, maintain, secure, and improve this website
Diagnose technical or security issues
Comply with applicable legal, regulatory, or recordkeeping requirements
Protect against fraud, misuse, or unauthorized activity
Facilitate services you request through First Federal Bank

Personal information is not intended to be sold by me to third parties for their independent marketing purposes.

Communications

If you provide your telephone number or email address and request information or ask to be contacted, that information may be used to respond to your request and communicate with you regarding the products or services in which you have expressed interest.

Providing contact information through this website does not alter any rights you may have under applicable federal or state law concerning telephone, text message, or email communications.

You may ask to stop receiving non-required marketing communications at any time using the instructions provided in those communications or by contacting me.

Information Sharing

Information may be disclosed when reasonably necessary to:

Respond to a request you have made
Provide or process a financial product or service
Work with First Federal Bank and authorized service providers
Operate or protect this website
Detect or prevent fraud or security incidents
Comply with applicable laws, regulations, subpoenas, court orders, or other lawful governmental requests
Protect legal rights, safety, or property

Information associated with a mortgage application or other First Federal Bank financial service is handled according to the Bank’s applicable privacy policies, notices, and legal obligations.

Information Security

Reasonable administrative, technical, and physical safeguards are used to help protect personal information.

However, no website, electronic transmission, email, or internet-based system can be guaranteed to be completely secure.

For your protection, do not send Social Security numbers, bank account numbers, passwords, tax documents, income documentation, or other sensitive financial information through ordinary email, text message, or a general website contact form unless specifically instructed to use a secure method.

Links to Other Websites

This website may contain links to websites or services operated by First Federal Bank or other third parties.

Once you leave this website, the privacy practices and terms of the destination website may apply. I am not responsible for the privacy practices, security, availability, or content of independently operated third-party websites.

You should review the privacy policies of websites or services before providing personal information.

State Privacy Rights

Depending on where you reside and the nature of the information involved, applicable state law may provide additional rights concerning your personal information.

Certain information collected or processed in connection with financial products and services may be governed by federal financial privacy laws or may qualify for exemptions under applicable state privacy laws.

Requests concerning personal information collected or maintained by First Federal Bank in connection with a financial product or service should be directed to First Federal Bank using the contact information and procedures provided in the Bank’s privacy notices.

Children’s Privacy

This website and the mortgage services described on it are intended for adults and are not directed toward children under 18.

I do not knowingly use this website to solicit personal information from children under 18. If information is discovered to have been submitted by a child in circumstances where its collection is not appropriate, reasonable steps may be taken to delete it.

First Federal Bank Privacy Notice

Mortgage lending services described on this website are provided through First Federal Bank.

First Federal Bank maintains its own privacy notices explaining how it collects, uses, shares, and protects personal information in connection with its financial products and services. https://www.1stfed.com/privacy-policy

If there is a conflict between this website Privacy Policy and a privacy notice, disclosure, agreement, or policy issued by First Federal Bank concerning a First Federal Bank financial product or service, the applicable First Federal Bank document controls.

In accordance with California law, First Federal Bank will not share information we collect about California residents with companies outside of First Federal Bank, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable California law.

Neither this institution nor its service providers will contact you by telephone, email, or text messaging requesting personal information such as your access ID, passcode, debit/credit card number, or debit card PIN. If you are contacted by anyone requesting this type of information, do not provide any information and contact our internet banking department immediately.

Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect changes in this website, technology, business practices, legal requirements, or services. The date at the top of this Policy indicates when it was most recently updated.

Contact

If you have questions about this website or information you submitted directly through it, please contact:

Cody Miller
Mortgage Loan Originator
First Federal Bank

For questions regarding information collected or maintained by First Federal Bank in connection with a mortgage application, account, or other financial service, please contact First Federal Bank directly through its official website at https://www.1stfed.com/.