I am in the process of purchasing a new house with XXXX XXXX and elected to use their mortgage company, DHI Mortgage as the lender. In starting the application I was given a number of forms to sign electronically, however, when it came to collecting the documentation to substantiate my qualification for the loan, the loan officer told me I could email my information or fax it. 
When I was inquired about a secure upload since I was being asked for bank statements, tax returns, pay stubs, etc I was told to just encrypt the PDF. I would feel more comfortable with a dedicated secure upload. 
For the average consumer it would not occur to them that email is not the most secure way to send the documentation and most are unlikely to think about encrypting or otherwise protecting their information. At this point it has taken significantly extra time to submit the documentation since I know have to locate the documentation, print and then arrange for use of a fax machine which is very costly if I elect to go to a print shop or other commercial provider. 
