Privacy Policy

Effective Date: 3/10/2026

This website is operated by Bobby Chumbler, Loan Officer NMLS#2150510, PBT Bancorp (NMLS#257781).

This Privacy Policy explains how information collected through this website is used and protected.

By using this website and submitting your information, you consent to the practices described in this policy.

Information We Collect

When you submit information through forms on this website, we may collect personal information including:

-Name

-Email address

-Phone number

-Property or mortgage inquiry details

-Other information necessary to respond to your request

In connection with mortgage applications, additional financial information may be collected as required for loan evaluation and underwriting. This may include credit history, income information, and other documentation necessary to process a mortgage application.

Information may be collected when you:

-Submit a contact form

-Request mortgage information

-Apply for a loan

-Provide contact details for follow-up communication

We may also receive information from third parties such as credit bureaus, lenders, or service providers when necessary to process a mortgage application.

How We Use Your Information

Information collected through this website may be used to:

-Respond to mortgage inquiries

-Provide information about mortgage loan options

-Schedule appointments or consultations

-Assist with mortgage applications

-Improve our website and services

Information submitted through this website is used solely for purposes related to mortgage services.

SMS Communications

By providing your phone number through this website and opting in to SMS communications, you consent to receive text messages from PBT Bancorp regarding your mortgage inquiry, loan options, follow-up communication, and appointment scheduling.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP.
For assistance, reply HELP.

Mobile Information Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

All SMS opt-in data and consent will remain confidential and will not be sold, rented, or shared with third parties for marketing purposes.

Mortgage Lending Partners

In some cases, mortgage applications may be processed or funded through approved wholesale lending partners or investors. When necessary to evaluate or complete a mortgage application, information provided by you may be shared with these lending partners strictly for purposes related to mortgage underwriting, processing, and funding.

These parties are required to maintain the confidentiality and security of your information and may only use it for purposes related to the mortgage transaction.

Cookies and Tracking Technologies

This website may use cookies or similar technologies to improve user experience and analyze website traffic.

Cookies help us understand how visitors interact with our website so we can improve functionality and services. You may disable cookies through your browser settings if you prefer.

Data Security

To protect your personal information from unauthorized access and use, PBT Bancorp uses security measures that comply with federal law. These measures include computer safeguards, secured systems, and controlled access to sensitive information.

Information Sharing

Financial institutions may share personal information as necessary to conduct everyday business operations. This may include activities such as:

-Processing transactions

-Maintaining accounts

-Responding to legal or regulatory requirements

-Reporting to credit bureaus

PBT Bancorp does not share personal information with nonaffiliated companies for marketing purposes.

Your Privacy Rights

Federal law allows consumers to limit certain types of information sharing. You may contact us if you wish to review, update, or request deletion of personal information submitted through this website where permitted by law.

Third-Party Links

This website may contain links to external websites, including the official PBT Bancorp privacy disclosures. We are not responsible for the privacy practices of external websites.

For additional information regarding how PBT Bancorp handles financial customer information, please review the bank’s official privacy policy:

https://www.pbtb.com/privacypolicy

Contact Information

If you have questions about this Privacy Policy, please contact:

Bobby Chumbler
Loan Officer NMLS#2150510

[email protected]
248-931-6406

PBT Bancorp
NMLS#257781