HPI Financial
HPI Financial is a privately held, founder-owned residential mortgage brokerage (HP Investments, Inc.) founded in 2007, originating FHA, VA, conventional, jumbo, and reverse mortgages for individual borrowers across the San Francisco Bay Area from offices in San Carlos and Rohnert Park, California.
- Company typePrivate
- Founded2007
- HeadquartersSan Carlos, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What HPI Financial does
HPI Financial is a privately held residential mortgage brokerage operating under the legal entity HP Investments, Inc., founded in 2007 by Quentin Hyde (President/Broker of Record) and Jeff Phillips (Vice President/Broker). The company originates and arranges mortgage loans for individual consumers and SMB borrowers across the San Francisco Bay Area, with offices in San Carlos and Rohnert Park, California. Its product portfolio spans FHA, VA, conventional, jumbo, and reverse mortgages, plus refinance loans, supported by short-form and long-form online applications, a payment estimator, a home valuation tool, and gated educational eBooks for lead capture. The underlying technology is a Wix-based website with standard mortgage industry software; no proprietary platform, AI/ML capabilities, or API products are evidenced.
HPI generates revenue through transaction-fee mortgage origination commissions earned on closed loans, with pricing (interest rates and fees) not publicly disclosed and determined per borrower. The go-to-market is sales-led and relationship-driven: approximately 11 loan officers deliver consultative mortgage advisory services in person and by phone, with a growing self-serve online application layer. The bundled offering — HPI Financial for mortgages, HPI Real Estate for brokerage, and HPI Property Management (launched 2014) for property management — is positioned as a "mortgage advisor for life" model, reinforced by a 1% rebate (up to $7,500) for clients using both loan and real estate services. Customer segments span first-time homebuyers, refinancing homeowners, veterans/military personnel, high-value (jumbo) buyers, senior homeowners (62+ for reverse mortgages), and Bay Area residents generally. Marketing relies on referrals, repeat clients, the company website, social media (Facebook, Twitter, LinkedIn, YouTube), and educational content; the firm holds no disclosed funding, M&A activity, or institutional ownership.
HPI Financial firmographics
Firmographics- Name
- HPI Financial
- Legal name
- HP Investments, Inc.
- Website
- https://hpifinancial.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- HPI Financial is a privately held, founder-owned residential mortgage brokerage (HP Investments, Inc.) founded in 2007, originating FHA, VA, conventional, jumbo, and reverse mortgages for individual borrowers across the San Francisco Bay Area from offices in San Carlos and Rohnert Park, California.
- Ownership category
- akta.pro rank
HPI Financial industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industries
- Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE), Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)
Keywords
Where HPI Financial is headquartered
LocationHeadquarters
- HQ city
- San Carlos
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
HPI Financial business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Origination Fees: HPI Financial earns revenue through originating mortgage loans for homebuyers and homeowners. As a mortgage broker, the company earns origination fees and commissions from lenders on closed mortgage transactions. Revenue is generated when loans close.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
HPI Financial product offering
Product offeringCore offering
HPI Financial is a mortgage brokerage that originates and arranges residential mortgage loans for individual consumers and homeowners in the California Bay Area. The company offers FHA, VA, Conventional, Jumbo, Reverse Mortgage, and Refinance loan products, supported by online application tools, payment calculators, and personalized loan advisory services through licensed loan officers.
Product overview
HPI Financial is a mortgage broker offering a suite of mortgage products including FHA Home Loans, VA Home Loans, Conventional Home Loans, Jumbo Home Loans, and Reverse Mortgages. The company also provides refinance options and online application tools (Short Form and Long Form Applications), payment estimation calculators, and educational resources. The product portfolio is organized around loan products with supporting digital tools for the application process, consultation, and client education.
Differentiator
Problem solved
Functional benefit
Products and services
- FHA Home Loans Federal Housing Administration-backed mortgage loans with low down payment requirements (as low as 3.5%), allowing sellers to pay closing costs for buyers and permitting gift funds for down payments. Targeted at first-time homebuyers and borrowers needing flexible credit criteria.
- VA Home Loans Mortgage loans for veterans and active duty military members offering $0 to low down payment options, lower interest rates, lower fees, no PMI requirement, and no prepayment penalty. Targeted at U.S. military veterans and active duty service members eligible for VA loan benefits.
- Conventional Home Loans Standard mortgage loans not backed by the government, requiring good credit and down payment, offering predictable fixed payments, easy amortization, and protection against rising rates. Targeted at borrowers with good credit seeking traditional fixed-rate financing.
- Jumbo Home Loans Loans for luxury or high-priced residences exceeding Fannie Mae and Freddie Mac loan-servicing maximums (referenced at $424,100 for single-family residences), requiring low debt-to-income ratio, high credit score, and large down payment. Targeted at buyers of luxury or high-priced homes.
- Reverse Mortgage Mortgage product for homeowners 62 years or older enabling them to receive monthly payments from the lender drawn from home equity instead of making payments, with no monthly mortgage payments required until the home is sold. Targeted at senior homeowners seeking to convert home equity into income.
- Refinance Loans Refinancing options for existing homeowners looking to replace their current mortgage with a new one, potentially securing better rates or terms. Targeted at existing homeowners seeking rate reduction, term change, or cash-out refinancing.
Companies that use HPI Financial
Customer profileNamed customers6 records
Segments6 records
Ideal customer profiles5 records
HPI Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
HPI Financial partnerships and signals
Strategic signalScale indicators1 record
Recent moves7 records
Expansion highlights4 records
HPI Financial competitors and assessment
Company assessmentDirect peers
- Guild Mortgage Company: Mid-size US residential mortgage lender offering FHA, VA, conventional, jumbo, and renovation loans through retail branches — a close comparable in product mix and channel model to HPI Financial.
- Paramount Equity: California-based residential lender (later merged into LoanDepot) that historically focused on FHA, VA and refinance lending; comparable in regional origination focus and product mix to HPI.
- New American Funding: California-headquartered retail mortgage lender covering purchase and refinance including FHA, VA, conventional and jumbo products; comparable size and geographic footprint to HPI.
- Cardinal Financial Company: Mid-size mortgage bank originating FHA, VA, conventional, jumbo and reverse loans via retail branch network; comparable product breadth and retail-brokerage channel model to HPI.
- Planet Home Lending: Mid-size residential mortgage originator and servicer offering FHA, VA, conventional, jumbo, and reverse mortgage products through retail and wholesale channels — closely aligned product portfolio to HPI.
Broad incumbents
- Caliber Home Loans: National residential mortgage originator and servicer offering FHA, VA, conventional, jumbo, and non-QM products — a broader-scale incumbent with overlapping product coverage of HPI.
- Rocket Mortgage: Largest US direct-to-consumer mortgage lender and an industry leader in brand spend and proprietary technology; competes broadly against all retail/broker channel lenders including HPI.
- loanDepot: Large California-based direct-to-consumer mortgage lender with significant retail branch network and full-spectrum loan products — a much larger incumbent comparable in geography and product breadth to HPI.
Emerging players
- Better.com: Digital-first mortgage lender focused on streamlining the refinance and purchase application online; an emerging channel competitor targeting the same direct-borrower segment HPI serves.
Others
- United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender that funds independent mortgage brokers — a channel partner/competitor ecosystem relationship for retail brokers such as HPI.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
HPI Financial social profiles
Digital presenceHPI Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
HPI Financial leadership team
Management profileNumber of profiles
Profiles10 records
HPI Financial subsidiaries and ownership
Company hierarchySubsidiaries2 records
HPI Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HPI Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HPI Financial
What does HPI Financial do?
HPI Financial is a mortgage brokerage that originates and arranges residential mortgage loans for individual consumers and homeowners in the California Bay Area. The company offers FHA, VA, Conventional, Jumbo, Reverse Mortgage, and Refinance loan products, supported by online application tools, payment calculators, and personalized loan advisory services through licensed loan officers.
Is HPI Financial a public or private company?
HPI Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was HPI Financial founded?
HPI Financial was founded in 2007. It employs 11 to 50 people.
Where is HPI Financial based?
HPI Financial is headquartered in San Carlos, United States, in the North America region.
How does HPI Financial make money?
One revenue line is on record: mortgage Origination Fees.
Who are HPI Financial's main competitors?
Direct peers on record are Guild Mortgage Company, Paramount Equity, New American Funding, Cardinal Financial Company and Planet Home Lending. Broad incumbents are Caliber Home Loans, Rocket Mortgage and loanDepot. Better.com is listed as an emerging player. United Wholesale Mortgage (UWM) is listed as an others.
Does HPI Financial have an API?
No public API is recorded for HPI Financial.
What industry is HPI Financial in?
HPI Financial's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of BPAJAAAE, Residential Investment Property Brokerage (SFR/Small Multifamily). Its NAICS code is 52231 and its SIC code is 6163.