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Hightechlending

Independent Mortgage Company•Irvine, CAHQ•Direct•Reviews near you on Google

Hightechlending has 260 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 5 mkts

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,256)
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Hightechlending performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+40.5 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume169
Mix65.0%
Spread
+0.480%Above
Fees
$4,399Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume61
Mix23.5%
Spread
+0.473%Above
Fees
$4,465Fees
VA Loans
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Strong
Volume22
Mix8.5%
Spread
-0.328%Below
Fees
$3,172Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume225
Mix86.5%
Spread
+0.432%Above
Fees
$4,403Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume35
Mix13.5%
Spread
+0.230%Above
Fees
$3,285Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
260
Applications
395
Volume
$139 million
Pricing & Closing
Avg Rate Spread
+0.405%
vs. market APOR
Avg Net Fees
$4,256
Origination − Credits
Pullthrough Rate
65.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$535,462
Avg Borrower Income
$187,627
Avg Property Value
$700,038

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

10
10 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
NJ
South3
FLSCTX
West6
AZCAHINVORWA

Top Metro Areas by Place Specialization Score

1© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 68Mix 26.15% of portfolio
69/100
Strong
2© Edmund Garman · CC BY 2.0
Urban Honolulu, HIMetro
Volume 36Mix 13.85% of portfolio
65/100
Strong
3© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 57Mix 21.92% of portfolio
63/100
Strong
4© Harry Somers from Miami, Florida, USA · CC BY 2.0
Fort Lauderdale, FLMetro
Volume 22Mix 8.46% of portfolio
53/100
Sound
5© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 10Mix 3.85% of portfolio
43/100
Sound

Top States by Place Specialization Score

Nevada
Nevada
1
NevadaState
Volume 69Mix 26.54% of portfolio
67/100
Strong
Hawaii
Hawaii
2
HawaiiState
Volume 45Mix 17.31% of portfolio
66/100
Strong
California
California
3
CaliforniaState
Volume 95Mix 36.54% of portfolio
61/100
Strong
Florida
Florida
4
FloridaState
Volume 38Mix 14.62% of portfolio
50/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.