Our Company

HEM was created to make a difference. As a group of proven industry leaders who recently founded one of the largest and fastest growing Wholesale mortgage companies in the USA, we aim to change the stagnant landscape of Wholesale mortgage – one partnership, one loan, and one day at a time.

Our Mission

To foster a simplified, intuitive lending experience so that, together, we can deliver customer-centric solutions to help clients realize their dreams.

Executive Team

Aaron Iverson


Aaron Iverson is an industry veteran with nearly 20 years in the mortgage industry. Responsible for running wholesale operations funding over $10.5 billion in the last 6 years he has certainly lived up to the hype. He has risen the ranks at every company he has worked at and continues to be a mortgage industry icon in many ways. Known for his extreme competitiveness yet kind heart he has won over many of those he has worked both for and with. He knows how to create a successful team and will be in charge of doing just that at his newest venture, HTEM.

Cory Tona


Cory Tona has mastered the art of building successful mortgage companies from the ground up. With a business degree from California State University San Marcos, Cory has always been a true leader and entrepreneur. He is a big believer in the importance of company culture and making sure everyone at HTEM is treated like family. As such, Cory is a father of 5 kids and loving husband of 10 years. Whether you are a part of HTEM, partner, customer or vendor Cory sets out to treat you like family. He is excited to get to work building HTEM and becoming a top 25 lender within the next 3 years.

Shane Harris


Shane Harris entered the mortgage business immediately after graduating Saint Mary’s College of California in 2001.  Through hard work and dedication Shane was able to withstand the great recession which sent most of his former colleagues out of the mortgage business.  As a proven sales leader with an entrepreneurial spirit, he recognized that HTEM provides the perfect platform for like-minded top producers to transcend traditional business barriers to create a culture of success. Shane is highly motivated, result-focused, and a decisive leader with a successful track record of delivering quantifiable results in the areas of loan production, business development & talent acquisition.

Chris Ledwidge

EVP of Retail Lending

Chris Ledwidge is a co-founding partner of HTEM with a demonstrated track record of driving unparalleled customer service and maximum volume and profits for high-activity mortgage divisions encompassing staffs of up to 100 personnel. His background in the mortgage industry has historically focused on builder/construction loans and residential mortgages including FHA, 203K, FNMA, VA, Conventional, and NON-QM products. He serves as a member of the executive team for HTEM and is directly responsibility for growth, strategic direction and profitability of the retail division. He is committed to excellence, professional communication, knowledge, ability to ‘think outside of the box’ and has consistently produced results far greater than his peers.

Nate Borghi

EVP of Retail Lending

Nate Borghi is a co-founder in HTEM and has over 15 years of mortgage experience. He has a proven track record of going the extra mile with a commitment to service, integrity, responsiveness, and dedication. Nate has a deep understanding of mortgage origination with a focus on FHA, VA, FNMA, Freddie Mac, and NON-QM loans. He is a Results Oriented professional with a demonstrated history of increasing production and profitability while building incredible loyalty and respect amongst colleagues, direct reports, and sales partners. His guarantee for the last 15 years is to provide clear communication and understanding with every profession interaction and he has done just that.

Branch Offices

HEM is growing fast. And we’re just getting started.

We are committed to on-going expansion, and we’d love you to be a part of it. If you’re interested partnering with a Wholesale lender that offers a strategic, intelligent growth plan and a dedication to mutual success, get in touch. Just click below for partnership and licensing information.

Partner With Us | Our Licensing

Your Career

Why join HEM? To pioneer change. To put the status quo on notice. To be part of something truly transformative.

From the way we treat our employees to the dedication to our customers, we just do things differently. If you’re ready for a career with mentorship and development and true commitment. Visit Careers page here.

Join Our Team! Email us today at recruiting@hem.