Effective Date: September 16, 2026
Ragis Processing, LLC (“Ragis Processing,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information entrusted to us.
This Privacy Policy explains how we collect, use, disclose, retain, and safeguard information when you visit ragisprocessing.com, submit information through our online forms, communicate with us, access online resources we provide, or otherwise interact with our services.
Because Ragis Processing provides third-party mortgage loan processing services, we may also receive information in connection with mortgage transactions from mortgage brokers, lenders, loan officers, borrowers, service providers, and other parties. The collection and handling of information in connection with a mortgage transaction may also be governed by applicable law, contractual requirements, lender or broker privacy practices, and other agreements in addition to this Privacy Policy.
1. Information We Collect
The information we collect depends on how you interact with Ragis Processing.
Information You Provide Directly
When you contact us, submit a form, schedule a consultation, communicate with us, or otherwise use our website or Services, we may collect information such as:
name;
email address;
telephone number;
company or business name;
professional or business information;
information submitted through contact, inquiry, or scheduling forms;
communications you send to us; and
other information you voluntarily provide.
Information Related to Mortgage Processing Services
When Ragis Processing is engaged to provide mortgage processing services, we may receive or process information necessary to perform those services.
Depending on the transaction and our role, this information may include:
borrower and co-borrower identifying and contact information;
loan and property information;
employment and income information;
financial and asset information;
documentation associated with a mortgage application or loan file;
information concerning loan conditions, milestones, and status;
communications among borrowers, loan officers, brokers, lenders, and other transaction participants; and
other information reasonably necessary to perform contracted mortgage processing services.
This information may be provided directly to Ragis Processing or made available to us by mortgage brokers, lenders, loan officers, borrowers, technology platforms, or other authorized parties involved in the transaction.
Ragis Processing does not necessarily collect all of this information through our public website.
Information Collected Automatically
When you visit our website or use certain online Services, we may automatically collect limited technical information, including:
IP address;
browser type;
device type;
operating system;
referring pages or websites;
pages viewed and interactions with the website;
date and time of access; and
other standard website usage and diagnostic information.
We may collect this information through cookies, analytics tools, server logs, and similar technologies.
2. How We Use Information
We may use information we collect or receive to:
respond to inquiries and requests;
provide information about Ragis Processing and our services;
communicate with prospective and existing clients;
schedule appointments and consultations;
provide contracted mortgage processing and administrative services;
communicate with authorized parties regarding mortgage loan files;
request, receive, organize, and coordinate information or documentation;
monitor loan milestones and processing status;
provide authorized dashboards, reports, notifications, or account information;
send requested or authorized SMS and email communications;
maintain and improve our website, systems, and services;
operate and administer our business;
troubleshoot technical issues and maintain system security;
detect or prevent fraud, misuse, or unauthorized access;
maintain appropriate business and transaction records;
enforce our agreements and Terms of Service; and
comply with applicable legal, regulatory, contractual, or governmental requirements.
We may also use information for other purposes disclosed to you at the time the information is collected or with your authorization.
3. SMS Communications
If you voluntarily provide your mobile phone number and affirmatively opt in to receive text messages from Ragis Processing, you may receive SMS communications related to your interactions with us.
Messages may include:
appointment confirmations and reminders;
follow-up communications;
loan processing updates;
requests for information or documentation;
customer service communications;
workflow or status notifications; and
other business-related communications associated with our services.
Message frequency varies based on your relationship and interactions with Ragis Processing.
Message and data rates may apply according to your wireless carrier and mobile service plan.
You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP or contact us using the information provided at the end of this Policy.
Consent to receive SMS messages is not a condition of purchasing or receiving any service.
4. Mobile Information and SMS Consent
Mobile information collected for SMS communications, including phone numbers and SMS opt-in or consent information, will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.
We may use service providers and telecommunications providers as necessary to deliver and support our messaging services. Such providers may process information only as necessary to perform services on our behalf or as otherwise permitted or required by law.
SMS opt-in and consent information will not be used by Ragis Processing to authorize unrelated third-party marketing.
5. How We Share Information
Ragis Processing does not sell or rent personal information.
We may disclose or make information available when reasonably necessary to operate our business, provide requested or contracted services, facilitate mortgage processing activities, comply with legal obligations, or protect our rights.
Depending on the circumstances, information may be shared with or made available to:
Service Providers
We may use third-party providers that support our business operations, such as providers of:
website hosting;
customer relationship management (CRM) technology;
email and SMS communications;
scheduling;
cloud hosting or storage;
analytics;
cybersecurity and technical services; and
other business technology and operational services.
These providers may access or process information as reasonably necessary to perform services for Ragis Processing.
Mortgage Transaction Participants
When providing mortgage processing services, information may be communicated to or accessed in connection with authorized parties involved in the applicable mortgage transaction, which may include mortgage brokers, lenders, loan officers, borrowers, underwriters, settlement or title providers, appraisers, insurers, and other service providers or transaction participants as appropriate.
Information is shared in this context for legitimate mortgage processing, transaction, administrative, compliance, or related purposes.
Legal and Regulatory Disclosures
We may disclose information when we reasonably believe disclosure is necessary or appropriate to:
comply with applicable law, regulation, subpoena, court order, or other legal process;
respond to lawful requests from governmental or regulatory authorities;
enforce our agreements or Terms of Service;
investigate suspected fraud, security incidents, or unlawful activity;
protect the rights, property, security, or safety of Ragis Processing, our clients, users, or others; or
establish, exercise, or defend legal claims.
We may also disclose information with your direction, authorization, or consent.
6. Third-Party Platforms and Services
Ragis Processing uses third-party technology and service providers to operate portions of our website, communications, business systems, and mortgage processing activities.
When information is submitted directly to or processed through a third-party service, that provider's own terms, privacy practices, and security practices may also apply.
We encourage users to review the privacy policies of third-party websites or services when appropriate.
Our website may also contain links to websites operated by other organizations. Ragis Processing is not responsible for the privacy practices, content, security, or operation of websites that we do not own or control.
7. Cookies and Analytics
Our website may use cookies and similar technologies to support website functionality, understand how visitors use the website, maintain security, diagnose technical issues, and improve website performance and user experience.
Cookies are small data files stored on or associated with your device or browser.
Depending on the technologies implemented on our website, cookies or similar tools may collect information such as device and browser information, IP address, referring source, pages visited, and website interactions.
You may be able to control or disable cookies through your browser settings. Disabling certain cookies may affect the functionality or performance of portions of the website.
8. Communications and Marketing Preferences
Ragis Processing may communicate with clients, prospective clients, borrowers, loan officers, and other authorized parties for transactional, administrative, service-related, security, or other non-marketing purposes when appropriate.
Where required, marketing communications will be sent in accordance with applicable consent and opt-out requirements.
You may unsubscribe from marketing emails by following the unsubscribe instructions contained in the applicable communication or by contacting us.
Opting out of marketing communications does not necessarily prevent us from sending transactional, administrative, security, mortgage-processing, or other non-marketing communications that are necessary or appropriate in connection with our services or an existing business relationship.
SMS opt-out procedures are described separately in Sections 3 and 4 of this Policy.
9. Data Security
Ragis Processing uses commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, acquisition, disclosure, alteration, loss, misuse, or destruction.
Access to personal information is limited as appropriate based upon business and operational needs.
We also rely on third-party technology and service providers to maintain portions of the systems used in our operations.
No website, electronic transmission, network, or data storage system can be guaranteed to be completely secure. Accordingly, while we take reasonable measures designed to protect information, we cannot guarantee absolute security.
If you believe information associated with Ragis Processing has been accessed or disclosed without authorization, please contact us promptly.
10. Data Retention
We retain personal information for as long as reasonably necessary for the purposes for which it was collected or received, including to:
provide and administer our services;
support mortgage processing activities;
maintain business and transaction records;
comply with legal, regulatory, contractual, and recordkeeping requirements;
resolve disputes;
prevent fraud or misuse;
establish or defend legal claims; and
enforce our agreements.
Retention periods may vary depending on the type of information, the nature of the relationship or transaction, contractual requirements, and applicable law.
When information is no longer reasonably required, we may delete, destroy, de-identify, or anonymize it in accordance with applicable requirements and our business practices.
11. Your Privacy Choices and Rights
Depending on where you reside and the circumstances in which your information was collected, applicable law may provide certain rights regarding your personal information.
These may include rights to:
request access to certain personal information;
request correction of inaccurate information;
request deletion of certain information;
withdraw consent where processing is based upon consent; or
opt out of certain communications.
These rights are not absolute and may be subject to legal, regulatory, contractual, recordkeeping, mortgage transaction, or other permitted exceptions.
For example, Ragis Processing may be required or permitted to retain certain information associated with business records or mortgage transactions even after a deletion request.
To submit a privacy request, please contact us using the information at the end of this Policy. We may need to verify your identity or authority before completing certain requests.
12. Information Received on Behalf of Clients
In some circumstances, Ragis Processing processes information on behalf of a mortgage broker, lender, loan officer, or other client as part of a contracted processing relationship.
When another organization determines how and why personal information is collected or used, that organization's privacy notices, legal obligations, and instructions may also govern the information.
Requests concerning information originally collected by a lender, mortgage broker, or other organization may need to be directed to that organization. Ragis Processing may assist with such requests when appropriate and authorized.
13. Children's Privacy
Our website and services are intended for adults and business professionals and are not directed to children under the age of 13.
We do not knowingly collect personal information directly from children under 13 through our website.
If we learn that a child under 13 has submitted personal information to us through the website without appropriate authorization, we will take reasonable steps to delete the information where required.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices, legal requirements, or privacy practices.
When we update the Policy, we will post the revised version on this page and update the Effective Date.
If we make a material change to how we use or disclose previously collected personal information, we may provide additional notice or obtain consent when required by applicable law.
We encourage you to review this Privacy Policy periodically.
15. Relationship to Our Terms of Service and Other Agreements
Use of the Ragis Processing website and online Services is also subject to our Terms of Service.
Mortgage processing services may be governed by separate processing agreements, service agreements, confidentiality obligations, lender or broker requirements, or other contracts.
Nothing in this Privacy Policy is intended to modify contractual or legal obligations applicable to information handled in connection with those relationships.
16. Contact Us
If you have questions about this Privacy Policy, our privacy practices, or a request concerning your personal information, please contact:
Ragis Processing, LLC
4030 Wake Forest Road
Raleigh, NC 27609
Phone: (828) 545-0646
Website: ragisprocessing.com