It was a subsequent post in response to my question that OP made clear it was because the state required deposits to be held separate.  

Hey Rafael,Looks like you've received some good responses here.

@Charles Carillo Thanks for the response.

It’s online only but purpose built for business owners and they have automation for those applying the Profit First cash management system.

Thanks for the responses everyone!

Finally, always get the credentials to access the mortgage account online and change the email notifications to your address.

Brokers acting as paper pushers and contract writers will obviously charge alot less than a broker taking on all responsibilities including marketing. 

This may be because (1) until recently interest rates were trending lower so if the lender is getting a higher rate on subject note than he can obtain on new note there’s no monetary incentive to call the note (2) in the past technology did not exist to identify the property transfers (ten years ago county recording docs were not online) and (3) the lenders rather collect payments than own property.  

@Jaron Walling Thank you for the response.

unfortunately this marketing specialist was NOT a specialist in marketing for real estate businesses, did not understand the unique requirements and characteristics of real estate, and hence implemented their “generic” on line marketing program.