Privacy Notice.

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information below, or we will mail you a free copy upon request if you call us at 800.262.6574.


Rev. 07/2023
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number and Income
  • Account Balances and Payment History
  • Account Transactions and Credit Scores
  • Contact Information (e.g., name, sex, age, date of birth, email address, mailing address, telephone number, driver’s license, passport, and/or other government issued ID numbers)

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Midwest Loan Services chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Midwest Loan Services share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes—
to offer our products and services to you
No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes—
information about your transactions and experiences
 No We don’t share
For our affiliates’ everyday business purposes—
information about your creditworthiness
 No We don’t share
For non-affiliates to market to you  No We don’t share


Call 1-800-262-6574 or visit You can review your account information by logging into your online account or calling our Customer Service number. If your account information is incomplete, inaccurate or not current, please contact us at the number above or by mail at P.O. Box 209, Hancock, MI 49930 for information on how to make the appropriate changes.

Who we are

Who is providing this notice? Midwest Loan Services, a division of University Bank

What we do

How does Midwest Loan Services protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

Furthermore, annual information security training is provided to all employees.

How does Midwest Loan Services collect my personal information? We collect your personal information, for example, when you:

  • Open an Account or Apply for a Loan
  • Pay your bills or pay us by check
  • Give us your income or provide employment information
  • Give us your contact information

We also collect your personal information from other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.


Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Midwest Loan Services does not share with our affiliates
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Midwest Loan Services does not share with non-affiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Midwest Loan Services doesn’t jointly market

Other important information

State law – You may have other privacy protections under state laws; we will comply with all applicable state laws with regard to our information sharing practices. We don’t allow unauthorized publishing or disclosure of people’s non-public contact information.

  • California residents only – In accordance with California law, we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, with your consent or to service your account. We will limit sharing among our companies to the extent required by California law. For details on the privacy rights of California residents, you can request a copy of the California Privacy Rights Act (CPRA) Policy by sending an email to, by writing us at University Bank 2015 Washtenaw Ave Ann Arbor, MI 48104; or by calling us at 1-800-368-7987.
  • Nevada residents only – We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit our sharing section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; email: For further information contact: Midwest Loan Services, P.O. Box 209, Hancock, MI 49930; Phone number: 800-262-6574 or go to our website
  • New Mexico, North Dakota and Vermont residents only – Per state law, we have automatically opted you out of the sharing of your information.
  • Vermont residents only – In accordance with state law, we obtain your consent before accessing your credit report and use it only for the purpose for which you consented. We do not share your health and medical information, except to process transactions or to provide services made in connection with an insurance transaction that you have initiated.
  • Note: Midwest Loan Services operates as a division of University Bank and maintains records for each mortgage loan for the periods prescribed by applicable federal and state laws and regulations. All loan records are stored in a secure manner. Confidential records are destroyed at the end of their retention period in a secure and confidential manner.