Privacy policy
What this website collects, what Troy does with it and what he never asks for online. Last updated November 10, 2026.
Who we are
Ranniker Lending is a California-licensed mortgage brokerage operated by Troy Ranniker at 2271 Ohio Avenue, Signal Hill, CA 90755. This policy covers information collected through this website and in the course of discussing or arranging a loan.
What we collect on this website
The forms on this site ask only for what Troy needs to call you back and have a useful first conversation: your name, phone number, email address if you choose to give it, the city of the property, what you want to do, roughly how much you need, how you earn and a rough timeline. You may add a message.
We do not ask for, and you should not send through this website, Social Security numbers, dates of birth, account numbers, online banking credentials, copies of identification or tax documents. Those belong in a secured application that Troy provides separately once you decide to move forward.
Like most websites, our hosting provider records technical information such as your IP address, browser type and the pages you visit, used to keep the site running and secure.
How we use it
- To respond to your request by phone, text or email, which is the purpose you gave it to us for.
- To identify which loan programs may fit before the first conversation.
- To keep a record of your inquiry so that you do not have to repeat yourself.
By submitting a form you agree that Troy Ranniker may contact you by phone, text message or email about your request. You can ask him to stop at any time, and standard message and data rates may apply to texts.
Who we share it with
Form submissions are delivered to Troy through a customer relationship management service that stores them on our behalf. We do not sell your information and we do not share it with third parties for their own marketing.
If you proceed with a loan, information you provide in the application is shared with the lenders, investors, credit bureaus, appraisers, title and escrow companies and other parties necessary to originate, underwrite and close the loan, and as required by law. At that stage you will receive the federal privacy notice required of financial institutions, which describes those practices in detail.
Cookies and analytics
This site does not use advertising cookies. If analytics or advertising measurement is added in the future, this policy will be updated to describe it and any choices you have.
How long we keep it
Inquiries are kept as long as reasonably needed to respond and to comply with record-keeping obligations that apply to licensed mortgage brokers in California. You may ask us to delete an inquiry that did not become a loan file.
Your choices
California residents have rights under the California Consumer Privacy Act regarding personal information, subject to exemptions for information collected under federal financial privacy law. To ask what we hold about you, to correct it, to delete it or to opt out of contact, email ranniker@msn.com or write to the address above.
Security
Forms are transmitted over an encrypted connection. No method of transmission or storage is perfectly secure, which is why we keep what we collect online to the minimum and move sensitive information into a secured application channel.
Children
This site is not directed at anyone under 18 and we do not knowingly collect information from minors.
Changes
We may update this policy as the site or the law changes. The date at the top tells you when it was last revised.
Contact
Troy Ranniker, Ranniker Lending, 2271 Ohio Avenue, Signal Hill, CA 90755. ranniker@msn.com.