Applications / Mortgage Analytics / Lenders / California / Hightechlending
Irvine, CA · Independent non-bank lender · CFPB · 975 loans in 2025
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975
loans originated, 2025
1,453
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hightechlending, an Irvine non-bank lender, is a refinance shop built on loans insured by the Federal Housing Administration (FHA), and it lends to low- and moderate-income borrowers far more than similar lenders do.
Refinances made up 58.8% of its loans and purchases only 25.8%. FHA loans were 57.0% of the total, against 21.7% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. That FHA share was higher than about nine in ten of them.
Some 69.3% of its loans went to low- and moderate-income (LMI) borrowers, against 26.9% for similar lenders, higher than almost all of them. Its share in majority-minority neighborhoods was 44.1%, against 25.7%. Its focus on refinancing FHA loans may explain much of this.
It made 975 loans in 2025, up 15%, faster than the typical similar lender's 5% and the market's 10%. But in 2020 it made 2,996. Its reliance on refinancing may explain the fall: refinancing thrives when rates are low, and its typical rate in 2020 was 3.00%, against 6.50% now.
It lent in 24 states and 128 metros. Its largest market is Los Angeles-Long Beach-Anaheim, where it ranked 168 of 757 lenders, and it ranked 95 of 489 in Las Vegas. In 2025 it added New Haven and Pinehurst-Southern Pines.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hightechlending took 1,453 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.8% · Purchase 25.8% · Other 10.1% · Home improvement 5.3%
FHA 57.0% · Conventional 39.6% · VA 3.4% · of 975 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 466 | 47.8% |
| Florida | 92 | 9.4% |
| Nevada | 84 | 8.6% |
| Arizona | 59 | 6.1% |
| Hawaii | 48 | 4.9% |
| Oregon | 38 | 3.9% |
| Colorado | 36 | 3.7% |
| Texas | 29 | 3.0% |
| Utah | 27 | 2.8% |
| Washington | 22 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 137 |
| Las Vegas-Henderson-North Las Vegas | 73 |
| Riverside-San Bernardino-Ontario | 67 |
| Anaheim-Santa Ana-Irvine | 55 |
| Phoenix-Mesa-Chandler | 49 |
| Sacramento-Roseville-Folsom | 40 |
| Urban Honolulu | 32 |
| San Diego-Chula Vista-Carlsbad | 31 |
| Fort Lauderdale-Pompano Beach-Sunrise | 26 |
| San Jose-Sunnyvale-Santa Clara | 24 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CK7U1WMTIG6687 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3955745 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7205238443 |
Established 6 June 2006. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Hightechlending's data.
Hightechlending's data
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