Culp QC, Inc is dedicated to providing comprehensive security over our assets and the records of our customers including mortgage loan files. Culp QC takes very seriously the security of your mortgage loan files. But security does not have to come at the expense of convenience.

Our security policies and procedures are designed to comply with the Gramm-Leach- Bliley Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Reporting Act, and KRS 365.720-365.730, but more importantly to provide the best and most complete security measures to protect the records and mortgage loan files we receive from our customers.

Electronic Security

We provide our clients with access to ShareFile, a simple and secure method of electronic file transfer that does not require configuration of complex software. You can easily transfer single files or complete folders to us up to 10 GB in size.

You can be confident that your files are secure. SSAE 16 audited datacenters and AES 256-bit encryption ensure the privacy of confidential files during transfer and in storage.

In addition, all email communications to and from our system are digitally signed in order to ensure no external interference.

Physical Security

Our office building is on the edge of downtown Owensboro, Kentucky in a well-lighted and low-crime area within a few blocks of the Owensboro Police Department. The building is fully secured and accessible only to Culp QC employees; employees can only access the building during office hours unless supervised by the office manager or president. In addition, the building is equipped with a motion-detecting camera system that records all activity at each entrance.

We have in place extensive protocols to ensure the security of your records, files and papers. All hardcopy mortgage loan files are fully protected and secured at all times, with access strictly limited to Culp QC employees. All client files are kept on premises.

At the end of each business day, auditors are required to secure all work in progress – checklists and supporting papers – in a locked cabinet to which access is limited to the president, office manager and auditor supervisor.

Once the audits are completed, all materials – re-verifications, credit reports, appraisal reviews, finding sheets and auditor checklists and notes and all supporting papers – are kept in a locked facility on premises accessible only by the president and office manager. Completed audits are retained for three years, after which all documents are thoroughly shredded.

Culp QC Security Policy

For additional details, please contact us to request a copy of our Security Policy as well as our Disaster Recovery Plan.