Applications and loan files, encrypted the moment they are sent.
Independent insurance agencies and mortgage brokers are “financial institutions” under the Safeguards Rule, and state insurance regulators (NAIC model law, NYDFS Part 500 in New York) add their own cybersecurity requirements. The email part of those rules is the same everywhere: encrypt NPI, control access, keep records. PXCMail does it on the Microsoft 365 or Google account you already have.
| Message | Detected | Action |
|---|---|---|
| 1003 application | SSN · DOB · income | 🔒 Encrypted |
| Pre-approval letter | — | TLS ✓ |
| Bank statements → underwriter | Account numbers | 🔒 Encrypted |
| Rate sheet → 48 clients | — | TLS ✓ |
Overview
Loan files and pre-approvals
Pay stubs, tax returns, bank statements and credit reports detected and encrypted; borrowers open on their phone with a code.
Carrier and lender correspondence
Carriers and lenders that publish S/MIME certificates get encrypted automatically; others get TLS-required delivery.
Closing-wire awareness
Mortgage brokers sit in the wire-fraud chain: inbound payment-change detection and outbound locked instructions, same as our legal and title edition.
Moments that matter
- Client emails a driver’s license photo and SSN for a quote — reply encrypted automatically.
- Carrier audit asks how NPI is protected in transit — report in one click.
- Producer leaves for a competitor — access revoked; mail stays under retention.
- NYDFS annual certification — email controls documented and dated.
Works beside
Applied Epic, HawkSoft, EZLynx, AgencyZoom; Encompass, Calyx, Arive for mortgage. Overview →
Pricing
Gateway $6 · Gateway + 7-year archive $9 per seat.