Hightechlending Inc Mortgage Rates, Fees & Info
Irvine, CALEI: 549300CK7U1WMTIG6687
Tax ID: 20-5238443
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Mortgage Data
Review & Overview
Hightechlending Inc is a smaller mortgage company specializing in Refi and Home Purchase loans. They have a a high proportion of FHA loans. Hightechlending Inc has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Las Vegas, Miami, Urban Honolulu, and San Francisco among others. We have data for 120 markets. (Some data included below & more in-depth data is available with an active subscription.)Hightechlending Inc has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Hightechlending Inc is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.28% | 7/7/25 |
| 30 Year Conventional Refi | 7.78% | 7/7/25 |
| 30 Year Cash-out Refi | 7.18% | 7/7/25 |
| 30 Year FHA Purchase | 7.19% | 7/7/25 |
| 30 Year FHA Refi | 6.86% | 7/7/25 |
| 30 Year VA Purchase | 6.53% | 7/7/25 |
| 30 Year VA Refi | 6.39% | 7/7/25 |
| 15 Year Conventional Purchase | 6.00% | 7/7/25 |
| 15 Year VA Refi | 5.88% | 7/7/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Hightechlending Inc Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Hightechlending Inc. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
850Origination Dollar Volume (All Markets)
$356,960,000Relative Rate
Hightechlending Inc's average 30 year fixed mortgage rate was
6.9%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.35%.
Relative Fees (Closing Costs)
Hightechlending Inc's average total fees/closing costs for a 30 year fixed rate
mortgage were $12,845.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 183 | $95,745,000 | $523,197 | $12,526 | 7.24% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 84 | $32,660,000 | $388,810 | $11,182 | 7.06% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 55 | $28,625,000 | $520,455 | $12,316 | 7.46% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 38 | $25,500,000 | $671,053 | $21,391 | 6.87% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 27 | $19,865,000 | $735,741 | $11,674 | 8.46% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 26 | $18,110,000 | $696,538 | $16,349 | 8.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 56 | $17,080,000 | $305,000 | $10,955 | 7.06% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 34 | $16,070,000 | $472,647 | $7,268 | 7.68% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 37 | $11,395,000 | $307,973 | $9,968 | 6.79% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 16 | $7,430,000 | $464,375 | $0 | 7.42% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 19 | $6,905,000 | $363,421 | $14,221 | 6.68% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 22 | $6,340,000 | $288,182 | $10,985 | 7.53% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 9 | $5,355,000 | $595,000 | $5,235 | 7.60% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 12 | $4,920,000 | $410,000 | $7,563 | 7.53% |
| Hilo, HI (FHA|USDA|VA) | 9 | $4,865,000 | $540,556 | $8,474 | 7.51% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 4 | $3,170,000 | $792,500 | $15,350 | 7.41% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 10 | $2,710,000 | $271,000 | $0 | 6.58% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 5 | $2,595,000 | $519,000 | $12,758 | 7.70% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $2,175,000 | $310,714 | $9,850 | 6.32% |
| Outside of Metro Areas | 12 | $2,060,000 | $171,667 | $6,737 | 6.97% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $1,990,000 | $199,000 | $0 | 7.84% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $0 | 7.14% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $0 | 8.58% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $0 | 6.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $8,500 | 7.78% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $0 | 6.78% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $14,812 | 7.08% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $0 | 7.14% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $9,415 | 6.81% |
| OCALA, FL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $0 | 8.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $0 | 9.31% |
| Fernley, NV (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $0 | 8.35% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $0 | 7.56% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $16,579 | 7.81% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $6,947 | 7.30% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $0 | 6.85% |
| RENO, NV (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $0 | 7.04% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $14,407 | 7.52% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $0 | 6.69% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $0 | 7.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $9,626 | 7.08% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $0 | 8.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $0 | 7.03% |
| Key West, FL (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 9.74% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,310 | 5.94% |
| BEND, OR (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $0 | 6.92% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 7.12% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $0 | 6.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $16,063 | 7.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,762 | 7.29% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $8,510 | 6.50% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $0 | 6.83% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $8,051 | 7.56% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 7.07% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 7.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 6.88% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 7.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 7.36% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 5.88% |
| Brookings, OR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 6.91% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 6.69% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,538 | 6.49% |
| LOGAN, UT-ID (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 7.19% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 7.07% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 7.00% |
| CHICO, CA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 7.31% |
| Hailey, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 6.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 6.32% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 8.99% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,582 | 6.99% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 7.02% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 6.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.38% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 7.38% |
| Outside of Metro Areas | 1 | $275,000 | $275,000 | $0 | 7.38% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 6.81% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,824 | 6.88% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.29% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.38% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 9.45% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $0 | 7.13% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.13% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.13% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.25% |
| MADERA, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.63% |
| Shelton, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 9.69% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.00% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.37% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 7.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 7.40% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.63% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.88% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,034 | 7.88% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.00% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.26% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.88% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.32% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.63% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.63% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.51% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.25% |
| POCATELLO, ID (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.75% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.50% |
| REDDING, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.63% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.27% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 6.88% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.51% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 7.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.75% |
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Product Mix
For 2024, Hightechlending Inc's most frequently originated type of loan was FHA, with 463 originations. Their 2nd most popular type was Conventional, with 199 originations.
Loan Reason
For 2024, Hightechlending Inc's most frequently cited loan purpose was Refi, with 403 originations. The 2nd most popular reason was Home Purchase, with 269 originations.
Loan Duration/Length
For 2024, Hightechlending Inc's most frequently cited loan duration was Other, with 561 originations. The 2nd most popular length was 30 Year, with 285 originations.
Origination Fees/Closing Costs
Hightechlending Inc's average total fees were $12,845, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 145 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 370 | $147,140,000 | $397,676 |
| 7-8% | 306 | $109,420,000 | $357,582 |
| Over 8% | 117 | $75,635,000 | $646,453 |
| 5-6% | 57 | $24,765,000 | $434,474 |
During 2024, Hightechlending Inc's average interest rate for loans was 6.90%, while their most frequently originated rate bucket for loans was 6-7%, with 370 originations.
Loan Sizing
2024 saw Hightechlending Inc place emphasis on $200k-400k loans with 329 originations, totaling $96,365,000 in origination value.
Applicant Income
Hightechlending Inc lent most frequently to those with incomes in the $50k or less range, with 503 originations. The second most popular income band? $150k-250k, with 86 originations.
Applicant Debt to Income Ratio
Hightechlending Inc lent most frequently to those with DTI ratios of 50-60%, with 36 originations. The next most common DTI ratio? 30-36%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.25%
Hightechlending Inc has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.82%
Hightechlending Inc has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 850 | $356,960,000 | $419,953 |