E-SIGN applies when you are making disclosures that are required by (federal) law and you are substituting bits and bytes for paper.
If this is a required copy of loan document, E-SIGN applies and that means demonstrable consent if these are consumers. Commercial customers are different.
I would caution against email unless these are encrypted. You might me able to deliver these via internet banking instead. Then you have a secured environment vs. email. An email might say they're available, but logon credentials are needed for access.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell