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Housing begins to directly contribute to economy 2018 HW Tech100 Winner: Agent Inbox More than 28% of US homeowners underwater on their mortgage In recent years, a lot of Americans bought homes that were simply too expensive, and many people still feel entitled to spend more than they. agents and mortgage brokers are not objective financial.Simplifile Recognized as an Innovative Mortgage Technology Company on 2018 HW Tech100 – “Simplifile is committed to helping lenders and settlement agents. Tech100 list.” The level of competition for the 2018 HW Tech100 was higher than in previous years, the magazine’s editorial staff.