The Katalyst Team at ETHOS Lending
Your Wealth Plan.
Accelerated.
Most lenders find you a rate. We engineer a mortgage strategy around your entire financial future.
What Brings You Here?
Choose Your Path
What Happens Next
Three Steps. Zero Pressure.
Book a Free Strategy Call
15 minutes. No obligation. We'll listen to your goals and see if we can help.
Get Your Custom Plan
We'll map out a mortgage strategy built around your financial picture, not just a rate quote.
Move Forward With Confidence
Ready now or planning ahead, you'll know exactly where you stand.
What Makes Us Different
The Financial Planning
Approach to Lending
While other lenders compete on rate, we compete on outcomes. Every mortgage we structure is designed to accelerate your long-term wealth.
Strategy Over Rate Shopping
Your mortgage is the most powerful financial tool you'll ever hold. We don't just find a rate. We structure financing to accelerate your path to financial freedom.
Your Full Financial Picture
We evaluate every mortgage decision in context: income trajectory, investments, tax situation, retirement timeline, real estate goals. This is the Financial Planning Approach, and it's why families return for their 2nd, 3rd, and 4th transactions.
Battle-Tested Strategies
100+ real estate projects. Thousands of families served across every market condition. Our calculators exist because we USE these strategies daily.
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Years Experience
$0B+
Loan Volume Funded
0s
Families Served
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States Licensed
Members of The Katalyst Team Have Been Featured In
The Katalyst Calculator Suite
Other lenders give you a rate quote.
We give you a strategic toolkit.
Strategic calculators built around the approach we use with every client. Find the one that fits your situation.
Meet the Team
Your Strategy Starts With the Right Team
Three experienced professionals who treat your financial future like their own.

Mike Hardy
Managing Partner
NMLS #54483
Leading originator. Thousands of families served. Financial planning approach to every loan.
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Rick Mount
Managing Partner
NMLS #188512
25+ years in real estate and lending. Licensed since 1992. Client-first approach.
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Kevin Sprague
Business Manager
NMLS #1547630
8 years in mortgage. Hundreds of 5-star reviews. Former D1 athlete.
Read more →From the Team
Insights and Strategy
View All PostsClient Wins
Thousands of Families.
Here's What They Say.
“The Katalyst Team is absolutely top notch. Mike, Rick, and Kevin are an absolute dream team. If you are looking for the absolute best results, great communication, and an overall phenomenal client experience, look no further!”
McKee Group
San Dimas, CA · March 2026
“The Katalyst Team helped to make our home purchase smooth and easy. They were always available to answer questions and they provided us with a loan that fit our needs. We highly recommend their services.”
KOKathy O.
San Dimas, CA · March 2026
“Kevin Sprague was amazing to work with. He was always willing to help and answer questions and not pushy at all. Would definitely recommend.”
EFErin Feeney
San Dimas, CA · April 2026
“The promises made, the promises kept. It was, by far, the easiest and the fastest refinance I had and I had many in the past. It took a minimal time commitment from me.”
SISSmile In Style
San Dimas, CA · April 2026
“Mike Hardy and his whole team was fantastic! I would recommend them to anyone and everyone I know. Kevin Sprague is the best home loan specialist! He truly cares and is 100% available whenever you need him. He puts financial decisions in a language that helps you understand and makes you feel comfortable.”
CVCarrie Vardaman
San Dimas, CA · 2020
“I've been working with Rick Mount, Kevin Sprague and their team for over 20 years. Each time I've needed to refinance or qualify for a purchase they have acted with integrity, efficiency, honesty and never with pressure or insincerity.”
RLRachel L.
San Dimas, CA · 2020
“Mike Hardy and his team really understand lending and the impact on a family's financial situation. As both a client and as a financial advisor, Mike and his team bring unique value to their clients helping them think through the purpose of the mortgage. Invaluable!”
THTracy Haraksin
San Dimas, CA · 2018
“This mortgage team is the ABSOLUTE BEST in the industry. Seriously, do not look further. If you want the best service, the most attention, the greatest options, this is the firm for you.”
JBJeffrey Boian
San Dimas, CA · 2018
“We were well educated and felt comfortable working with the team. Kevin and Tyler made us feel safe with their fantastic positivity and connection. Thank you guys!”
A&CKAdam & Carly Kammert
San Dimas, CA · February 2026
“Mike & Rick and their team have helped me with two new homes and one refi in the last five years. They are attentive to their clients' needs, and are fast and efficient. Special thanks to Kevin who was always available to answer my questions and address my concerns.”
DCDeneece Carter-Sokolowski
San Dimas, CA · 2020
“Mike Hardy and his team are simply THE BEST! Their ability to solidly crunch numbers and professionally explain their proven processes is extraordinary. Best of all, the way they personally relate to their clients is so very welcoming. I confidently refer all my friends and business clients.”
WHWayne Hurley
San Dimas, CA · 2018
“We have had our loans serviced with Mike and Rick for several years. Due to their hard work and constant monitoring we've been able to refi our home with fantastic loans saving us thousands each time. They are trustworthy and reliable mortgage lenders with stand up integrity!”
DGDean Gialamas
San Dimas, CA · 2018
“It's hard to find people who truly care about others. Mike Hardy is one of those people. He will genuinely have your best interest at heart. A mortgage is one of the biggest financial commitments you will make, and I would have someone like Mike and his team on my side for their wisdom, follow through and caring.”
EMEva Murzaite
San Dimas, CA · 2018
“As a first time home buyer, it was a pleasure to work with Mike and his great team in financing my mortgage. So good in fact, I returned years later to take advantage of the better rates for a re-fi. I was most impressed with his approach to the mortgage as a financial planning tool, not just a way to buy a house.”
MSMike Settember
San Dimas, CA · 2019
“Kevin was very helpful. He was honest and straightforward. We closed our refi in 3 weeks! He responded to emails, texts, and phone calls very quickly and frequently followed up during the whole process, keeping us informed and updated of the status throughout.”
SCSid Cates
San Dimas, CA · 2021
“Not only amazing service and support, but an amazing group of people to work with. Their diligence and follow through is remarkable, and you can tell that they care about the people and processes involved. Highly recommend for anyone looking for elite service.”
MFMcGinnis Family
San Dimas, CA · 2020
“Mike and his team are a breath of fresh air. They really take the time to help you make a sound financial decision. It's not about closing the deal for them but helping their clients make a better future for themselves.”
MWMelissa Walters
San Dimas, CA · 2018
“Mike and his team are incredible! So personable, so professional, so thorough. I'm extremely careful about who I refer my clients to, and I never have a concern with Mike. I know they'll be in good hands. The best all around lending team I've had the pleasure of working with.”
SWStuart Wann
San Dimas, CA · 2018
Individual results may vary. Testimonials reflect personal experiences and are not a guarantee of similar outcomes. All mortgage transactions are subject to credit and property approval.



