TPO Connect Chat for Wholesale & Correspondent Lending.
Your team and your broker partners, in one secure conversation on the loan.
For Your Broker Partners
Inside ICE TPO Connect.
Brokers and correspondent sellers open the chat room from the loan in ICE TPO Connect — the portal they already use to submit, track and condition their loans. They are recognized from their TPO Connect session, so there is nothing new to sign up for and no extra password to manage.
For Your Lending Team
Inside The Encompass Loan File.
Account executives, underwriters, closers and funders answer from the same loan in Encompass. The TPO option appears only on wholesale and correspondent loans, and only for users your administrators have entitled to TPO — retail users never see partner traffic.
Team-To-Team Conversations
One shared room per loan between the lender's team and the broker's team. Whoever picks it up on either side is working from the same thread, not a forwarded email chain.
No Borrower In The Thread
Lender-to-partner communication stays between lender and partner. Borrowers are never added to a TPO conversation.
You Decide When It Opens
The room opens and closes from Encompass fields your own business rules set — after onboarding, at a milestone, or whenever your policy says. Closed rooms stay readable.
Preset Message Templates
Lender users send common partner messages from preset templates, managed in the same template library you already use for retail chat — marked for Retail or TPO when they are created.
Unread Messages Inbox
New broker messages land in each user's Unread Messages inbox on the Mortgage Messaging home page, alongside their retail conversations. One click opens the TPO room for that loan.
Unassigned Loans In Your Pipeline
Optionally flag unread and unassigned TPO loans back to Encompass fields, so operations can build a pipeline view of partner messages no one has picked up yet.
People On This Loan
A side panel shows the broker's own team on the loan — loan officer, processor and correspondent contact — and, if you choose, the names of the lender staff receiving their messages.
Read Receipts
See who on the partner side has read a message, for quality control and compliance. Whether brokers see your team's reads is your setting, not ours.
Email & Text Notifications
Partners are notified by email by default and can opt in to text alerts from inside the room, using the same double opt-in consent your borrowers already go through.
One Module, Both Channels
Wholesale And Correspondent, Configured Your Way.
TPO Connect Chat serves wholesale broker loans and correspondent loans, delegated and non-delegated, from a single module. Broker contacts come from the loan's TPO information, and correspondent contacts from the Correspondent File Contact already on the Encompass TPO Information screen — no extra data entry for your partners or your team.
It runs in the same Mortgage Messaging app your team already uses inside Encompass for borrower texting, notes and the communications log — one place to work every loan, retail or TPO.
TPO Connect Chat
Wholesale & Correspondent Chat Questions
Can brokers message the lender from inside ICE TPO Connect?
Yes. TPO Connect Chat adds a secure chat room to the loan in ICE TPO Connect. Brokers and correspondent sellers open it from the loan's left navigation, and the lender's team answers from the same loan inside Encompass. Both sides see one shared conversation on that loan.
Do brokers need a separate login for TPO Connect Chat?
No. The broker is identified from the TPO Connect session they are already signed in to. There is no second username or password to create, remember or reset.
Can the borrower see the TPO conversation?
No. TPO Connect Chat is lender-to-partner only. Borrowers are never added to the thread, and retail users who are not entitled to TPO never see wholesale or correspondent traffic.
Who controls when the chat room opens and closes?
The lender. The room opens and closes from Encompass custom date fields that the lender sets with its own business rules, so milestone, onboarding and HMDA policy stays in the lender's hands. When a loan closes, the room becomes read-only and the history stays available.
Which loan channels does TPO Connect Chat support?
Wholesale (broker) loans and correspondent loans, both delegated and non-delegated. The TPO option only appears on loans in those channels; retail loans continue to use Mortgage Messaging's borrower texting.
How does the lender's team find new broker messages?
Unread broker messages appear in each user's Unread Messages inbox on the Mortgage Messaging home page. Lenders can also have Mortgage Messaging flag unread and unassigned TPO loans in Encompass fields, so an operations manager can build a pipeline view of conversations nobody has picked up yet.
