Hightechlending Inc Mortgage Rates, Fees & Info
Irvine, CALEI: 549300CK7U1WMTIG6687
Tax ID: 20-5238443
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Hightechlending Inc is a small mortgage company specializing in Refi, Cash Out Refi, and Home Purchase loans. Hightechlending Inc has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have an average proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Urban Honolulu, San Francisco, Riverside, and San Diego among others. We have data for 126 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 | 7.02% | 11/26/22 |
| 30 Year Conventional Refi | 6.93% | 11/26/22 |
| 30 Year Cash-out Refi | 6.75% | 11/26/22 |
| 30 Year FHA Purchase | 7.79% | 11/26/22 |
| 30 Year FHA Refi | 7.12% | 11/26/22 |
| 30 Year VA Purchase | 6.57% | 11/26/22 |
| 30 Year VA Refi | 6.38% | 11/26/22 |
| 15 Year Conventional Purchase | 6.36% | 11/26/22 |
| 15 Year Conventional Refi | 6.16% | 11/26/22 |
| 15 Year Cash-out Refi | 6.16% | 11/26/22 |
| 15 Year FHA Refi | 6.83% | 11/26/22 |
| 15 Year VA Refi | 5.90% | 11/26/22 |
| 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. | ||
Originations
2,812Origination Dollar Volume (All Markets)
$1,128,260,000Awards
HighTechLending Inc - 2021
HighTechLending Inc is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Hightechlending Inc's average 30 year fixed mortgage rate was
3.1%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.05%.
Relative Fees (Closing Costs)
Hightechlending Inc's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,191.
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 $4,750.
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) | 597 | $270,965,000 | $453,878 | $6,749 | 2.86% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 242 | $122,690,000 | $506,983 | $11,994 | 2.99% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 174 | $106,710,000 | $613,276 | $5,733 | 3.11% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 229 | $70,585,000 | $308,231 | $6,314 | 2.72% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 147 | $62,795,000 | $427,177 | $4,746 | 2.78% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 110 | $61,030,000 | $554,818 | $6,930 | 2.99% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 106 | $51,120,000 | $482,264 | $7,679 | 3.04% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 161 | $50,765,000 | $315,311 | $6,203 | 3.10% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 136 | $45,000,000 | $330,882 | $5,136 | 3.03% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 89 | $26,195,000 | $294,326 | $4,227 | 2.73% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 81 | $25,495,000 | $314,753 | $3,896 | 2.67% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 64 | $23,940,000 | $374,063 | $5,829 | 2.67% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 30 | $16,550,000 | $551,667 | $6,790 | 3.09% |
| Hilo, HI (FHA|USDA|VA) | 29 | $12,305,000 | $424,310 | $8,896 | 2.97% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 27 | $11,955,000 | $442,778 | $5,609 | 2.83% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 28 | $11,920,000 | $425,714 | $5,227 | 3.10% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 36 | $9,990,000 | $277,500 | $2,610 | 2.46% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 36 | $9,780,000 | $271,667 | $7,494 | 3.18% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 32 | $8,830,000 | $275,938 | $4,148 | 2.51% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 27 | $7,955,000 | $294,630 | $3,946 | 2.41% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 27 | $7,175,000 | $265,741 | $3,098 | 2.49% |
| Outside of Metro Areas | 21 | $7,175,000 | $341,667 | $4,639 | 3.17% |
| STOCKTON, CA (FHA|USDA|VA) | 14 | $5,670,000 | $405,000 | $5,442 | 2.39% |
| SALINAS, CA (FHA|USDA|VA) | 10 | $5,360,000 | $536,000 | $11,127 | 2.73% |
| VALLEJO, CA (FHA|USDA|VA) | 15 | $5,335,000 | $355,667 | $2,821 | 2.39% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 16 | $5,240,000 | $327,500 | $6,653 | 2.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 15 | $4,345,000 | $289,667 | $5,190 | 2.54% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 10 | $4,140,000 | $414,000 | $3,595 | 2.78% |
| MODESTO, CA (FHA|USDA|VA) | 14 | $4,020,000 | $287,143 | $3,855 | 2.63% |
| RENO, NV (FHA|USDA|VA) | 9 | $3,825,000 | $425,000 | $6,727 | 2.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 19 | $3,405,000 | $179,211 | $0 | 2.31% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $3,145,000 | $449,286 | $6,393 | 2.39% |
| FRESNO, CA (FHA|USDA|VA) | 11 | $2,765,000 | $251,364 | $6,646 | 2.68% |
| BOISE CITY, ID (FHA|USDA|VA) | 8 | $2,730,000 | $341,250 | $4,090 | 2.43% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $2,395,000 | $217,727 | $4,702 | 2.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $2,210,000 | $276,250 | $5,020 | 2.70% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $2,175,000 | $241,667 | $4,409 | 2.79% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $1,850,000 | $308,333 | $4,386 | 2.72% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 9 | $1,805,000 | $200,556 | $2,589 | 2.56% |
| NAPA, CA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $0 | 2.03% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 7 | $1,735,000 | $247,857 | $0 | 2.60% |
| SALEM, OR (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $3,461 | 2.34% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $0 | 2.42% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $2,682 | 2.31% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $5,009 | 2.57% |
| MEDFORD, OR (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $2,727 | 2.44% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $3,789 | 2.59% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $4,332 | 2.92% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $5,719 | 2.88% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $3,911 | 2.90% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $0 | 2.39% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $3,801 | 2.80% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $5,329 | 2.93% |
| Newport, OR (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $2,566 | 2.29% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $0 | 1.96% |
| BEND, OR (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $0 | 2.87% |
| CARSON CITY, NV (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $0 | 2.26% |
| EL CENTRO, CA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $5,849 | 2.96% |
| YUBA CITY, CA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $8,384 | 2.60% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $5,678 | 3.19% |
| Outside of Metro Areas | 3 | $805,000 | $268,333 | $2,823 | 2.86% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $2,082 | 2.15% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,651 | 2.41% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,241 | 2.86% |
| CHICO, CA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $6,384 | 2.52% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $0 | 2.27% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,843 | 2.51% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $0 | 2.71% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 2.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 2.85% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 1.79% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 2.22% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $0 | 2.82% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 2.64% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 2.68% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 2.74% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $0 | 1.93% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 2.64% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,416 | 2.95% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 2.47% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,866 | 2.59% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,075 | 2.99% |
| MADERA, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,339 | 2.29% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 1.57% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,397 | 2.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 2.02% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 2.40% |
| Coos Bay, OR (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 2.23% |
| Prineville, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 2.33% |
| Centralia, WA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 2.33% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,944 | 3.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 3.33% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,498 | 3.08% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 2.18% |
| Silver City, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 2.84% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 2.09% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 2.40% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 2.00% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.11% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 2.93% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,668 | 3.88% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 2.77% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,727 | 3.00% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 2.49% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,999 | 2.38% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,570 | 2.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 3.25% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,125 | 2.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,544 | 2.00% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,323 | 3.38% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,323 | 2.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.08% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.81% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.82% |
| Fernley, NV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.45% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 2.58% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 1.71% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.61% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,043 | 2.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 3.08% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,993 | 2.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.32% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.57% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,467 | 4.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 2.33% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.57% |
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Product Mix
For 2021, Hightechlending Inc's most frequently originated type of loan was Conventional, with 1,399 originations. Their 2nd most popular type was FHA, with 1,016 originations.
Loan Reason
For 2021, Hightechlending Inc's most frequently cited loan purpose was Refi, with 1,281 originations. The 2nd most popular reason was Cash Out Refi, with 759 originations.
Loan Duration/Length
For 2021, Hightechlending Inc's most frequently cited loan duration was 30 Year, with 1,509 originations. The 2nd most popular length was Other, with 1,162 originations.
Origination Fees/Closing Costs
Hightechlending Inc's average total fees were $7,191, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 733 originations.
Interest Rates
During 2021, Hightechlending Inc's average interest rate for loans was 3.10%, while their most frequently originated rate bucket for loans was 2.5-3%, with 975 originations.
Loan Sizing
2021 saw Hightechlending Inc place emphasis on $200k-400k loans with 1,246 originations, totaling $372,180,000 in origination value.
Applicant Income
Hightechlending Inc lent most frequently to those with incomes in the $50k or less range, with 1,143 originations. The second most popular income band? $100k-150k, with 485 originations.
Applicant Debt to Income Ratio
Hightechlending Inc lent most frequently to those with DTI ratios of 20-30%, with 253 originations. The next most common DTI ratio? 30-36%, with 250 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.19%
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 origination73.51%
Hightechlending Inc has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,812 | $1,128,260,000 | $401,230 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,812 | $1,128,260,000 | $401,230 |
