This privacy notice was updated in March 2025.
We regularly review our Privacy Policy and make updates if needed. When we make changes, we’ll notify you and ask you to review and accept them.
Privacy Policy
This Privacy Policy details how Texana Bank, N.A. and its mortgage division, Texana Bank Mortgage, (Collectively referred herein as “Texana”) collect and use consumer information. Texana uses its websites, point of sale systems and other mobile applications to solicit, obtain, originate and sell mortgage loans for consumers. The purpose of this page is to provide you with Texana’s practices regarding such collection, use and disclosure of your personal data and when and how you may control our use of your information.
Texana complies with state and federal law in the collection and use of consumer data.
Consent for Texana’s Use
By accessing our websites or mobile applications, or by submitting a mortgage application, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy and our Privacy Notice.
Privacy Notice
For additional information, please review Texana Bank, N.A.’s and Texana Bank Mortgage’s Privacy Notices linked at the top of this page.
Individualized Passwords
When you sign up for online access to loan-related information, you are asked to create your own username and password to access information related to your loan file. This information is encrypted during transmission. We allow you to select your own personal username (email address) to sign on. We strongly recommend that you use your own email address and not a shared email address that may be accessed by multiple parties.
What We Collect
• Identifiers: Name, Physical address, Email address, Phone number, IP addresses, Login usernames, Social Security Number
• Employment Information: Employer name, Job title, Employment history
• Education Information
• Credit Information
• Financial Information: All income, assets, liabilities, and related account information
• Internet or Electronic Network Activity: Interactions with our websites or apps
• Characteristics of protected classifications, such as race, gender or ethnicity, when voluntarily disclosed or required by law
Why We Collect and How We Use Information
Texana primarily collects data to solicit, originate, and sell mortgage loans; however, the following uses may also apply:
• Contact regarding loan options, applications, or issues
• Customer support
• Compliance with investor and agency requirements
• Facilitate the origination, sale, and transfer of mortgage loans
• Brokering mortgage loans to third-party lenders
• Compliance with law and regulation
• Enforcement of legal documents
• Internal process improvement, including third-party software
• Regulatory, third-party, and internal audits
• Fraud investigations
How Long We Retain
Texana retains personal information long enough to fulfill the purposes outlined in this Privacy Policy, including legal, regulatory, or business obligations. Specific retention periods vary based on the nature of the information and applicable law.
How We Share
Texana shares or discloses your information with outside companies to complete the activities herein described. This includes solicitation, origination, and sale of mortgage loans, business operations, and legal compliance. Categories of third parties may include:
• Accountants, attorneys, and other advisors
• Affiliated entities
• Automated underwriting systems
• Credit reporting agencies
• Investors, agencies, government sponsored enterprises and other secondary market participants involved in the sale and transfer of mortgage loan transactions
• Law enforcement
• Legal service providers and courts
• Lenders funding mortgage loans
• Marketing providers
•Title companies, appraisers, or appraisal management companies, underwriters, fraud detection services and other parties involved in the mortgage origination process.
Do We Sell Your Data
No, Texana does not sell your data to third parties. We also do not sell or share your personal information for cross-context behavioral advertising, as defined under the California Privacy Rights Act. We do not sell or share personal information of minors under 16 years of age.
Cookies and Tracking
Texana may use cookies and similar technologies (such as pixels and local storage objects) to enhance your experience on our websites, analyze website usage or track and store identifying information about you.
Cookies are small text files placed on your device by your browser that allow us and our service providers to recognize your browser and collect certain information about your interactions with our website. This information may include your IP address, device type, browser settings, pages visited, time spent on pages, and other browsing behavior. Please note that most internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of a website may be impaired.
We may use both first-party cookies (set by Texana) and third-party cookies (set by our service providers or advertising partners) for purposes such as:
- Website functionality and performance;
- Analytics and measurement;
You can control the use of cookies through your browser settings, including disabling or deleting them. Please note that some features of our website may not function properly without certain cookies enabled.
Right to Know or Access
You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, as well as the sources, purposes, and third parties we’ve shared it with. You may submit a request by emailing privacy@texanabank.com or completing our Privacy Information Request form HERE.
Right to Opt-Out
You have the right to opt-out of sharing your data with certain third parties, such as marketing providers.
You may request opt-out of sharing of certain non-exempt information by emailing privacy@texanabank.com or completing our Privacy Information Request form HERE.
Right to Delete
You have the right to request that we delete your personal information by following the steps described below; however, exceptions to deletion may apply. Exceptions to this right include:
• Regulatory requirements related to record retention
• Facilitating the transaction contemplated
• Compliance with legal obligations
Texana will verify the identity of the requester to a degree consistent with the nature and sensitivity of the request, which may involve comparing provided information with company records or a declaration under penalty of perjury.
You may request deletion of non-exempt information by emailing privacy@texanabank.com or completing our Privacy Information Request form HERE.
Right to Request Correction
You have the right to request that we correct inaccurate personal information.
Texana will verify the identity of the requester to a degree consistent with the nature and sensitivity of the request, which may involve comparing provided information with company records or a declaration under penalty of perjury.
You may request correction of personal information by emailing privacy@texanabank.com or completing our Privacy Information Request form HERE.
Authorized Agents
You may designate an authorized agent to make requests on your behalf. We will require written proof of authorization and may also ask you to verify your identity directly.
Third Party Data Purchases
Texana may receive personal information from third-party lead providers, marketing partners, or data aggregators who represent that they have obtained proper consent and that they comply with all applicable consumer protection and privacy laws and regulations. While we take reasonable steps to engage only with reputable providers, Texana is not responsible for the privacy practices, accuracy or subsequent use, sale or transfer of your personal information by such third parties.
If you believe your personal information was shared with us without consent or authorization, you may request that we delete your information by following the procedures described in the “Right to Delete” section of this Privacy Policy.
No Discrimination
Texana will not discriminate against any consumer requesting to exercise any lawful right relating to their privacy. Consumers have the right to be free from unlawful discrimination or retaliation for exercising their rights under the California Consumer Privacy Act.
Additional State Privacy Rights
Certain states, including Colorado, Connecticut, Virginia, Utah, and others, have enacted consumer privacy laws that provide their residents with rights regarding their personal information. If you reside in one of these states, you may have rights similar to those provided under the California Consumer Privacy Act (CCPA/CPRA), including:
– The right to know what personal information we collect, use, and disclose;
– The right to access and obtain a copy of your personal information;
– The right to correct inaccuracies in your personal information;
– The right to delete your personal information, subject to certain exceptions;
– The right to opt out of the sale of personal information and targeted advertising;
– The right to limit the use of sensitive personal information, if applicable;
– The right to appeal any decision we make regarding a privacy rights request.
You may exercise your rights under applicable state privacy laws by:
– Emailing us at: privacy@texanabank.com
– Visiting: https://texanabank.com/privacy-information-request-form/
If you submit a request and are not satisfied with our response, you may request an appeal by contacting us through the methods listed above and including the word “Appeal” in your subject line or message.
We will respond to all requests and appeals in accordance with the timelines and requirements set forth under applicable state privacy laws.
We will not discriminate against you for exercising your rights under your state’s laws.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in legal, regulatory, or operational requirements. Any changes will be posted on this page with an updated “Last Revised” date. Continued use of our services after such changes constitutes your acceptance of the updated policy.
Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:
Texana Bank, N.A.
Email: privacy@texanabank.com
Web Address: https://texanabank.com/privacy-information-request-form/
Texana Bank, N.A. Online Depository Banking Customers
The following statements apply to Texana Bank, N.A.’s deposit and commercial loan customers and may not be applicable to Texana Bank Mortgage sites and loan applicants.
Timed log-off
This website will automatically log you off after 20 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.
Firewall
Texana Bank, Inc. d.b.a. Texana Mortgage’s computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry.
Encryption
From the moment account information leaves your computer to the time it enters Texana Bank, Inc. d.b.a. Texana Mortgage’s system, all online access is encrypted.
During any exchange of sensitive loan information or documents, our 128-bit encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Texana Bank, Inc. d.b.a. Texana Mortgage servers possess the formulas required ‘to turn this code back into meaningful information for processing.
Any Web address beginning with “https://…” indicates the page you are viewing uses encryption. The “s” stands for “secured.”
We take our client’s financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Last Updated: April 15, 2025
