HighTechLending

What HighTechLending does

HighTechLending, Inc. is a privately held California-incorporated mortgage bank and direct lender founded in 2007 and headquartered at 2030 Main Street, Suite #500, Irvine, California. The company originates a diversified portfolio of 11+ loan products spanning forward mortgages (Conventional, FHA, VA, Jumbo, Zero Down Payment, standard HELOC, Self-Employed Non-QM, Alternative Financing, Investor) and reverse mortgages (HECM), targeting four primary customer segments: seniors aged 62+ (or 55+ in certain states), self-employed and non-QM borrowers, military veterans, and first-time or low-down-payment homebuyers, with secondary segments including real estate investors and creditworthy homeowners with high debt-to-income ratios.

The firm's flagship differentiator is EquitySelect, a proprietary Home Equity Line of Credit platform launched as a first-lien product in September 2023 and expanded with a second-lien variant in January 2026. EquitySelect uses an alternative underwriting formula that qualifies borrowers with high debt-to-income ratios for up to 10x larger loan amounts than standard HELOCs, with adjustable minimum payments as low as 1% of the annualized loan balance, a built-in payment cap, and a 40-year term structure. HighTechLending operates as a direct endorsed FHA/HUD lender and direct FNMA seller/servicer, holds state mortgage lending/broker licenses across 30+ U.S. states, and is ranked among the Top 10 Reverse Mortgage Lenders by HECM World (July 2024).

Revenue is generated through HECM and forward mortgage origination fees, recurring monthly loan servicing fees, and secondary market loan sales, distributed across a direct-to-consumer retail channel (online prequalification and toll-free phone sales staffed by internal mortgage loan originators) and a national wholesale broker channel with dedicated Wholesale Account Executives plus a Branch Partner conversion program. EquitySelect is additionally distributed through a strategic partnership with Better's NEO Home Loans platform (with HighTechLending purchasing the originated loans) and bundled with long-term care insurance via the LTCPG partnership, while EquitySelect loan servicing is outsourced to BSI Financial. The company operates under seven DBAs (American Senior, American Senior Lending, Community West Mortgage, Edie Moore Loans, First Hawaiian Mortgage Co. of Hawaii, Golden Heritage Financial, and Reverse Mortgage Specialists of Hawaii) covering distinct geographic and segment niches.

Name

HighTechLending

Legal name

HighTechLending, Inc.

Website

https://hightechlending.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

HighTechLending is a California-based private mortgage bank and direct lender offering 11+ loan products, including the proprietary EquitySelect HELOC, serving seniors, self-employed borrowers, veterans, and first-time homebuyers via retail, wholesale broker, and fintech partner channels.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310), Savings Institutions and Other Depository Credit Intermediation (52218), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

HELOC Origination (Revolving Lines of Credit) (FSALAGAB)

akta.pro secondary industries

Home Equity Loan/HELOC Secondary Market & Securitization (ABS/Whole Loan Sales) (FSALAGAH), HELOC & Second-Lien Wholesale Lending (FSALACAG), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Mortgage lending services
• Reverse mortgage loans
• Home equity lending
• Non-QM loans
• Wholesale mortgage brokerage

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Loan Origination Fees: One-time origination fees charged on HECM reverse mortgages (greater of $2,500 or 2% of the first $200,000 of home value plus 1% of the amount over $200,000, capped at $6,000 by federal regulation), plus origination fees on conventional, FHA, VA, Jumbo, and non-QM loan products.
2. Loan Servicing Fees: Recurring monthly servicing fees on HECM loans (up to $30/month for annually adjusting or fixed rate; up to $35/month for monthly adjusting interest rate loans). EquitySelect HELOC servicing is performed by third-party servicer BSI Financial.
3. Secondary Market Loan Sales: HighTechLending is a direct endorsed FHA lender and direct seller/servicer to FNMA (Fannie Mae), enabling sale of originated forward mortgages into the secondary market for gain-on-sale revenue, in addition to retaining servicing rights on certain products like reverse mortgages and EquitySelect.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

HighTechLending, Inc. is a California-based mortgage bank and direct lender that originates forward and reverse residential mortgages, including Conventional, FHA, VA, Jumbo, Zero Down Payment, HELOC, Self-Employed Non-QM, Alternative Financing, and Investor loan products, alongside its flagship proprietary EquitySelect senior-focused HELOC. It distributes through direct-to-consumer retail, a national wholesale broker channel with a Branch Partner program, and strategic partnerships (Better/NEO Home Loans, LTCPG), operating across more than 30 U.S. states under multiple DBAs. EquitySelect HELOC servicing is outsourced to BSI Financial.

Product overview

HighTechLending is a multi-product mortgage lender rather than a single unified platform: it operates a retail direct-to-consumer channel plus a wholesale distribution channel (Wholesale Account Executives) under one corporate umbrella that also does business as American Senior Lending, Community West Mortgage, and several other DBAs. The portfolio is organized around two pillars — forward mortgages and reverse mortgages. Forward products comprise Conventional, FHA, VA/Military, Zero Down Payment, standard HELOC, Jumbo, Self-Employed Non-QM, Alternative Financing, and Investor loans. The flagship differentiator is EquitySelect, a HELOC available in both first-lien and second-lien versions with adjustable minimum payments, which is positioned as the company's growth engine and is offered through partners including Better/NEO Home Loans and (for long-term-care funding) LTCPG. Reverse mortgage offerings anchor on the FHA HECM product, with payout plans including Tenure, Term, Line of Credit, Modified Tenure, and Modified Term. HighTechLending is a direct endorsed HUD/FHA lender and a direct seller/servicer to FNMA, ranked in the HECM World Top 10 Reverse Mortgage Lenders. Operations include EquitySelect loan servicing outsourced to BSI Financial.

Differentiator

Problem solved

Functional benefit

Brands

• EquitySelect: HighTechLending's proprietary Home Equity Line of Credit (HELOC) product, first launched in September 2023 as a first-lien HELOC with flexible minimum monthly payments; a second-lien version was added in January 2026. Targeted at seniors for managing retirement finances.

Products and services

• EquitySelect HELOC Proprietary Home Equity Line of Credit offering adjustable minimum monthly payments (as low as 1% of the annualized loan balance) with a built-in payment cap, available in both first-lien and second-lien variants. Targeted at seniors (62+) and creditworthy homeowners with high debt-to-income ratios who do not qualify for standard HELOCs.
• Conventional Mortgage Traditional mortgage for purchasing or refinancing a home with flexible terms and competitive rates, conforming to standard underwriting guidelines.
• Reverse Mortgage (HECM) FHA-insured Home Equity Conversion Mortgage (HECM) allowing eligible homeowners 62+ (or 55+ in certain states) to convert home equity into cash without required monthly mortgage payments; loan amounts up to $4M where qualifying. Payout options include Tenure, Term, Line of Credit, Modified Tenure, and Modified Term.
• FHA Loan FHA-insured purchase, refinance, and cash-out loans with up to 96.5% LTV, 100% gift funds, Down Payment Assistance (DPA) programs, 580+ credit scores, and seller-paid 2/1 buydown options.
• Zero Down Payment Loan Mortgage offering grants or second loans that cover down payment and closing costs; available with a 600+ FICO (640+ for Chenoa and GSFA), and not limited to first-time buyers.
• Home Equity Line of Credit (HELOC) Revolving credit line using home equity for expenses such as repairs, education, or large purchases, offered alongside the EquitySelect branded HELOC.
• Jumbo Loan Non-conforming high-balance mortgage offering up to 89.99% LTV, loans up to $3M, up to $500K cash out, 660+ FICO, and interest-only payment options.
• Military Veterans (VA) Loan VA loan program providing qualified veterans 100% financing with no mortgage insurance (MI) and no application fee through HighTechLending.
• Self-Employed Mortgage (Non-QM) Non-Qualified Mortgage for self-employed borrowers featuring flexible income verification, asset-based underwriting, expanded DTI ratios, and alternative documentation options.
• Alternative Financing Non-QM financing up to 90% LTV with loans up to $4M and $3M cash out; accepts bank statements, P&L, ITIN borrowers, 620+ FICO, with interest-only options.
• Investor Loan Non-owner-occupied investment property financing up to 80% LTV with loans up to $3.5M, $1M cash out, 640+ FICO, no DSCR, foreign nationals allowed, interest-only options.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered strategic — cross-product partnership combining mortgage and insurance for new market segment, major distribution partnership for flagship product equityselect and operational — back-office loan servicing partner for equityselect.

• LTCPGstrategic — cross-product partnership combining mortgage and insurance for new market segmentStrategic or Co-development Partner · 7 April 2026HighTechLending and LTCPG announced a partnership to expand access to long-term care insurance (LTCi) for American homeowners through a new home equity line of credit product, EquitySelect. The product offers flexible payment options designed to address affordability barriers to LTCi adoption. The collaboration targets helping families plan for long-term care costs while preserving assets, linking mortgage origination with insurance distribution to address the senior care funding gap.
• Better (NEO Home Loans)major distribution partnership for flagship product equityselectChannel Partner/ Reseller/ Distributor · 25 March 2026HighTechLending partnered with Better to expand access to home equity loans through HighTechLending's EquitySelect™ HELOC product. NEO Home Loans powered by Better will offer EquitySelect as part of its product suite, and HighTechLending will purchase the originated loans. The initiative targets homeowners — especially those who do not qualify for traditional loans — including creditworthy homeowners with substantial equity, those discouraged by current low mortgage rates, and borrowers with fluctuating incomes.
• BSI Financialoperational — back-office loan servicing partner for equityselectImplementation/ SI/ Consulting PartnerBSI Financial is the third-party servicer for HighTechLending's EquitySelect HELOC portfolio. Customers with EquitySelect servicing questions are directed to contact BSI Financial at 866-581-4514. This partnership handles ongoing loan servicing operations including borrower statements, payment processing, and customer service for the EquitySelect product line.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• loanDepot: National retail and wholesale mortgage lender with conventional, government, HELOC, and non-QM product sets including a reverse mortgage offering. Directly comparable across multi-channel distribution and product breadth.
• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender and a key competitor in the broker channel that HighTechLending also serves through its Wholesale Account Executive team and Branch Partner program.
• NewRez (Shellpoint Mortgage Servicing): National mortgage originator and servicer with conventional, government, non-QM, and home equity products. Relevant peer for HighTechLending's diversified forward product set and secondary market execution.
• Rocket Mortgage: Largest US mortgage originator offering conventional, government, jumbo, and increasingly HELOC and reverse products. Relevant as a broad incumbent competing for the same forward mortgage and home equity borrowers HighTechLending targets.

Direct peers

• Liberty Reverse Mortgage: Top-tier HECM reverse mortgage lender where HTL's EVP of Sales Eric Ellsworth previously worked and helped drive to the #1 reverse mortgage retail position. Closely comparable product mix (HECM-led), retail and wholesale distribution, and senior borrower focus.
• NEXA Lending: Wholesale mortgage lender with a strong reverse mortgage channel that participated alongside HighTechLending in industry events such as the Reverse Mastermind Summit. Comparable across reverse, wholesale, and non-QM product offerings.
• American Advisors Group (AAG): One of the largest US reverse mortgage lenders, historically the HECM volume leader. Directly comparable to HighTechLending on core HECM product, retail-direct marketing to seniors, and national licensing footprint.
• Reverse Mortgage Funding (RMF): The reverse mortgage lender previously co-founded by HighTechLending President David Peskin and sold to Starwood Capital Group in 2021. It is the most direct strategic and operational analogue: HECM-focused, top-tier reverse mortgage originator with proprietary senior lending products and national wholesale distribution.
• Finance of America Reverse (FAR): Public company (previously) focused exclusively on reverse mortgages and senior home equity products. Comparable HECM-centric franchise, proprietary senior product innovation, and national wholesale and retail distribution.

Emerging players

• Better Home & Finance Holding Company (Better.com / NEO Home Loans): Digital-first mortgage lender and HTL's distribution partner for EquitySelect via NEO Home Loans. Comparable on tech-led HELOC and non-QM positioning, and a direct channel partner for HighTechLending's flagship product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/hightechlending

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HighTechLending