Towne Mortgage Company townemortgage.com Towne Mortgage data breach: what happened and what to do
Towne Mortgage Company noticed unusual activity on its network on June 7, 2025. Its letters, dated November 13, 2025, say data that may have been copied included full names, Social Security numbers, financial account numbers, loan numbers and dates of birth.
View all 13,115 breaches- Breach date
- 7 Jun 2025
- Made public
- 13 Nov 2025
- Data exposed
- Names, Social security numbers, Bank account numbers, Dates of birth
- Last updated
What happened
Towne Mortgage Company, based in Troy, Michigan, identified unusual activity on its network on June 7, 2025 that suggested unauthorized access. After a forensic investigation and a manual review of documents, it found on October 14, 2025 that personal information may have been among the data copied. It began sending notice letters dated November 13, 2025.
What was exposed
Per the notice letter, the data may have included your full name, Social Security number, financial account number, loan number and date of birth. What was taken varies by person. The company hasn't said how many people were affected in total.
Social Security number plus date of birth is the combination used to open credit in someone's name. A loan number and account number also make convincing phishing calls from someone pretending to be your lender.
What Towne Mortgage is doing
The company offers 12 months of single-bureau credit monitoring through Cyberscout, a TransUnion company, plus fraud assistance. You must enroll within 90 days of the letter's date. A class action has been filed over the incident, as Mortgage Professional America reports, and those claims are allegations only.
What this means for you
You can't change a Social Security number or birth date, so the protection is a credit freeze and steady monitoring. Single-bureau monitoring only watches one credit file, which is why a freeze at all three bureaus matters.
What to do if you were in it
- 1
Freeze your credit at all three bureaus
A free freeze at Equifax, Experian and TransUnion blocks new credit in your name. Because your Social Security number was in the data, do this first.
- 2
Enroll in the free monitoring if you got a letter
The offer runs 12 months and requires enrolling within 90 days of the letter date. If the window has closed, ask Towne Mortgage whether it can be extended.
- 3
Watch your accounts and loan statements
Check the bank account tied to your mortgage and your loan statements for activity you don't recognize.
- 4
Be careful with calls about your loan
A caller who knows your loan number may not be your lender. Hang up and call the number on your statement.
- 5
File taxes early
Filing early makes a fake return in your name harder. Consider an IRS Identity Protection PIN.
- 6
Check whether your email or phone is in this and other breaches
Run a free Serus scan to see which breaches include your email or phone.
Frequently asked
Was I affected by the Towne Mortgage breach?
Towne Mortgage is mailing notice letters to people whose information may have been involved. If you have a mortgage or loan with the company and haven't heard, ask it directly.
What was exposed?
Full name, Social Security number, financial account number, loan number and date of birth, varying by person.
Is there a settlement?
No settlement has been reported. A class action has been filed, and its claims are allegations.
Should I change my password?
Passwords weren't listed in the notice. A credit freeze matters more here.
Sources
Something wrong or out of date? Tell us and we'll re-check it.
