Mortgage & private lending companies · San Diego County
Bayotech is a managed IT and cybersecurity company that has served San Diego since 2006, from our office in Mission Valley. We help mortgage companies, hard money lenders, trust deed investors and loan servicers across San Diego County protect borrower data, meet FTC Safeguards Rule expectations and stop wire fraud before funding.
Free 30-minute security check for mortgage companies
Call 619-717-8071We review your email security and multi-factor sign-in, check that your backups are running and recoverable, and scan the dark web for leaked company passwords. Results explained in plain English, with no obligation.
Or book a free consultation onlineWhat lenders worry about
Whether you broker loans, lend your own money, invest in trust deeds or service loans, every file is full of exactly what criminals want, and every funding moves serious money. Here’s how we handle the six IT concerns lenders raise most.
Loan files hold Social Security numbers, income records, bank statements and credit reports. One stolen login can expose hundreds of borrowers.
How we help: We protect sign-ins with multi-factor authentication, limit who can open which files, and remove access promptly when someone leaves.
When Encompass or the computers it runs on are slow or down, loans stall and closing dates slip.
How we help: We keep the computers, servers and networks your loan software runs on healthy, and work with your software vendor on upgrades and problems.
Criminals hack or imitate a loan officer’s, title company’s or escrow officer’s email and send borrowers fake wiring instructions just before closing.
How we help: We secure your email with multi-factor sign-in and filtering, help staff spot phishing, and help you set a firm rule that wiring instructions are always confirmed by phone.
Borrowers email pay stubs, tax returns and bank statements as ordinary attachments, where they sit in inboxes for years.
How we help: We help you set up and support a secure client portal or encrypted file sharing, so borrower documents never travel as plain attachments.
Loan officers work from home, open houses and coffee shops, often on networks you don’t control.
How we help: We set up secure access to Encompass, email and files for staff working away from the office, protected by multi-factor sign-in.
You must keep loan files and disclosures for years, and ransomware or a failed server can wipe them out in minutes.
How we help: We back up your files and systems to a separate, secure location and check that they can be restored, so you can get back to work quickly after a problem.
Learn more about our cybersecurity services and backup and disaster recovery.
Mortgage software
We support the computers, servers and networks that run Encompass and Microsoft 365, and work with your software vendor on upgrades and problems.
FTC Safeguards Rule
Mortgage lenders, brokers and loan servicers that aren’t banks count as financial institutions under the Gramm-Leach-Bliley Act, so the FTC Safeguards Rule applies to them. Private lenders who make consumer loans may be covered too; your compliance adviser can confirm. Here’s what the rule asks for in practice.
A written information security program, a qualified person in charge of it, and a risk assessment of where borrower data could be exposed.
Multi-factor authentication for anyone accessing customer information, encryption of that information, and controls on who can see it.
Since May 2024, firms must notify the FTC within 30 days of discovering a breach involving unencrypted information about 500 or more people.
We help you put the technical safeguards in place and document them in plain English for your written program. We’re IT people, not lawyers, so this isn’t legal or compliance advice.
We review your email security and multi-factor sign-in, check that your backups are running and recoverable, and scan the dark web for leaked company passwords. Results explained in plain English, with no obligation.
Why Bayotech
We earn your business every day.
Client reviews
From our clients’ five-star Google reviews of Bayotech on Google Maps (opens in a new tab).
Bayotech ALWAYS answers and jumps into action.
Always willing to assist and the service gives me tremendous piece of mind.
Bayotech provides IT support and cybersecurity for mortgage and private lending companies across San Diego County. We’ve served San Diego since 2006 from our Mission Valley office. Call 619-717-8071.
A quick review of your email security and multi-factor sign-in, a check that your backups are running and recoverable, and a dark web scan for leaked company passwords (the dark web is hidden websites where criminals trade stolen logins). We explain the results in plain English, with no obligation.
Yes. We support mortgage brokers and lenders, hard money and private lenders, trust deed investors and loan servicers. They all handle sensitive borrower data and large wire transfers, so they face the same risks.
Yes. Mortgage lenders, brokers and loan servicers that aren’t banks are covered as financial institutions under the Gramm-Leach-Bliley Act. The rule requires a written information security program, multi-factor authentication, encryption of customer information and more.
Yes. Bayotech supports the computers, servers and networks that run Encompass and Microsoft 365, and works with your software vendor on upgrades and problems.
Tell borrowers early, in writing, that you will never change wiring instructions by email, and have them confirm by phone using a number they already have. Protect your own email with multi-factor sign-in and filtering so criminals can’t watch your closings.
Through a secure client portal or encrypted file sharing, never as ordinary email attachments. That keeps pay stubs, tax returns and bank statements out of reach of anyone reading or forwarding email.
A real person answers in 3 rings or less. Our average time to first response on support tickets is 4.5 minutes.
No. Bayotech agreements are month-to-month, with no onboarding fees.
Free 30-minute security check for mortgage companies
Call now and we'll set up a time that suits your firm. Here's what's included:
We’ll get back to you within 15 minutes. Prefer to talk now? Call 619-717-8071.
