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Companies/Lower

Lower

RANK #50 · 1–4 FAMILY

Columbia, MDNMLS 1124061LEI 549300RN01LBYR8ZVX74HMDA 2018–2025Legal name: LOWER, LLC

Origination volume · 2025

$5.76B

+6.8% YoY vs 2024

Origination volumeSum of loan amount over HMDA records with action taken = 1.$5,762,845,000

Originations · 2025

17,905

+2.8% YoY vs 2024

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.17,905 loans

Denial rate · 2025

9.9%

▲ 0.5pp vs 2024

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Average loan amount · 2025

$322K

+3.8% YoY vs 2024

Average loan amountOrigination volume divided by origination count for the lender-year.$321,857

States & territories active · 2025

47

+1 state or territory vs 2024

States & territories activeCount of distinct HMDA jurisdictions in which the lender originated at least one loan in the activity year. It is not a count of the 50 states: the HMDA code set also carries the District of Columbia and the U.S. territories (Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa and the Northern Mariana Islands), which is why full coverage reads 54 and why this figure is never labelled "N states". Where the underlying code list is available a surface names the split exactly; where only the count is available it reads "states & territories".47 states & territories

Origination volume by year

Lower · $ originated · 2018–2025

$ VOLUME · HOVER FOR UNITS
$0$2.5B$5B$7.5B$10B20182019202020212022202320242025$5.76B

Loan purpose mix

Share of 2025 ORIGINATED LOANS — a unit mix. No source publishes purpose-level dollars, so this is never a $ share.

Purchase75%Purchase · 75%13,349
Refinance25%Refinance · 25%4,552
Other purposes0%Other purposes · 0%4

Agency channel mix

Share of 2025 originations

Conventional63%Conventional · 63%11,255
FHA26%FHA · 26%4,731
VA10%VA · 10%1,798
USDA / RHS1%USDA / RHS · 1%121

State footprint — 2025

Originations by property state · top 5 of 46 states + DC

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Every loaded HMDA yearThe full origination history, not just the headline years
Peer comparisonNearest-rank competitors by volume, denial, and average loan
Denial & product detailDenial rates, purpose mix and agency channel, year by year
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Source: HMDA public data files (CFPB/FFIEC), 2018–2025. Denial rate = denials / actioned applications (CFPB convention). Aggregations are computed by MortRadar and are not endorsed by any agency. Data attribution.