LOWER, LLC (2025)

Official HMDA public records summary of residential mortgage lending for LOWER, LLC. Review underwriting credit decisions, consumer product distribution, and national lending volume.

LEI: 549300RN01LBYR8ZVX74 • Headquarters: COLUMBIA, MD • Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Methodology →
Lender Profile #36 of 2,712
15,319 Loans Originated
• 0.38% National Market Share
• $5.33 Billion Originated Volume
• $305,000 Median Loan
Actionable Applications 17,990 Decisioned (Actions 1–3)
Approval Rate 86.20% 86.20% of actionable
Denial Rate 13.80% 13.80% of actionable
Loan Originations 15,319 85.15% funded rate
Originated Volume $5.33 Billion Median: $305,000

Application Outcomes (2025)

Outcomes for 17,990 actionable applications (Actions 1, 2, and 3).

86.20%
13.80%
15,507 approved 2,483 denied
Action 1: Originated
15,319 (85.15%)
Action 2: Approved not accepted
188 (1.05%)
Action 3: Denied
2,483 (13.80%)
Action 4: Withdrawn (not in denominator)
6,407 —
Action 5: Incomplete (not in denominator)
554 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How LOWER, LLC Compares

Institution vs. National Baseline (2025)

Metric LOWER, LLC U.S. National
Actionable Apps 17,990 5,197,320
Approval Rate 86.20% 82.12%
Denial Rate 13.80% 17.88%
Originations 15,319 4,052,301
Originated Volume $5.33 Billion $1.58 Trillion
Median Loan $305,000 $325,000
Compared against 5,197,320 national actionable applications across all lenders in 2025.

Loan Product Mix (2025)

Distribution across Conventional, FHA, VA, and USDA loan types

Loan Product Apps Originations Approval %
Conventional 9,458 8,676 92.80%
FHA 6,134 4,726 77.88%
VA 2,258 1,796 81.13%
USDA/RHS/FSA 140 121 86.43%

Regulatory & Corporate Profile

Official entity details from CFPB Transmittal Sheet

Legal Entity Identifier (ISO 17442 LEI) 549300RN01LBYR8ZVX74
Reported Corporate Headquarters COLUMBIA, MD
National Origination Rank Rank #36 by Action 1 Originations
Data Collection Basis Regulation C (12 CFR Part 1003) Annual LAR Submission
Lenders undergo structural changes, portfolio sales, or name updates over time. Multi-year comparisons track institutions strictly by LEI.

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Top 100 Lenders

Compare top mortgage originators nationally by volume, approval rate, and market share.

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Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.