KEYCITY LENDING

Website and borrower portal terms

Version 2026-11-12.final-candidate.2
Effective date: November 12, 2026

These terms describe the use of the Key City Lending website and borrower portal. They do not replace your loan documents, the disclosures you are given, or your rights under the law.

Who we are and what we do

Key City Lending Inc. ("KeyCity", "we", "us") is a mortgage broker, NMLS #1603131, at 999 North Main, Suite 106D, Glen Ellyn, IL 60137. We help you apply, and we submit your application to wholesale lenders, which make and fund the loans.

Our licenses: AZ License #0941149 · FL License #MBR2234 · TX NMLS Registered Mortgage Company. You can look us up on NMLS Consumer Access (www.nmlsconsumeraccess.org). Equal Housing Lender.

Applying is not approval. Submitting an application is a request for us to consider it. It is not loan approval, a rate lock, a guarantee of terms or a commitment to lend. Only the lender can approve a loan. Statuses in the portal show where your application is in our process; they are not a credit decision.

Where we can help

You can start an application in the portal from any state. If your loan is not a DSCR loan (an investment-property loan based on the property's rental income), or if the property is in a state where KeyCity is not licensed, we may refer your application to Lending Arena, our partner mortgage brokerage.

Your account

• Give accurate information to the best of your knowledge, and tell us promptly about important changes.
• Use your own account and keep your sign-in details private.
• Do not open another person's application without their permission, try to get around our security, or upload harmful software.
• Tell us if you think someone else has used your account.

Each borrower decides for themselves

Each borrower makes their own acknowledgments and choices, including electronic consent and the credit authorization. Being married, living in the same household or receiving an invitation does not by itself allow someone to sign for another borrower, see their Social Security number or ITIN, or approve a credit check for them. Anyone acting for another person must show that authority separately.

Your application and documents

We may ask you to explain information or to provide more documents. You may keep copies of your own agreements and the notices we give you, and you can ask us for a free paper copy at any time.

We keep application records as described in our privacy notice: applications that do not close for 25 months, closed loan files for 5 years, and longer when the law requires it. Withdrawing an application, or not submitting it, does not by itself erase records we already hold.

Separate choices

Your credit authorization, your electronic consent and our own marketing are each separate from these terms. None of them is given just by visiting the website or creating an account. You can choose paper instead of electronic delivery, and you can opt out of our marketing at any time. If you need help using the portal, call or email us.

If the portal is unavailable, and other companies

If the portal is not working, contact us. Do not assume that something you could not send has reached us. Other companies' services (for example electronic signature) may have their own terms. A link to another company does not make its conduct or promises our own.

Changes to these terms

Each version of these terms has a version number and an effective date. When we change them, we post the new version here.

Contact us

888-343-1790 · info@keycitylending.com · 999 North Main, Suite 106D, Glen Ellyn, IL 60137. Please do not send sensitive documents or numbers by ordinary email.