Lower, LLC Mortgage Lending & HMDA Data, 2025

In 2025, Lower, LLC of Columbia, MD reported 29,643 mortgage applications totaling $9.5 billion, up 7% from 2024. The average application was for $321,983, and applicants reported an average income of $139,435. 60% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Columbus, OH (1,464), Dallas-Plano-Irving, TX (974) and Chicago-Naperville, IL (961) (applications in parentheses).

Mortgage Company & Address Lower, LLC
5950 Symphony Woods Drive
Columbia, MD 21044
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  
Total Number of Mortgage Applications 29,643
Total Mortgage Loan Application Amount $9,544,565,000
Average Mortgage Loan Application Amount $321,983
Highest Mortgage Loan Application Amount $4,935,000
Average Applicant Income $139,435
Highest Applicant Income $8,258,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lower, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Lower, LLC by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 3,334 $ 839,380,000 $ 251,763 $ 108,763
Columbus, OH 1,464 $ 459,880,000 $ 314,125 $ 144,000
Dallas-Plano-Irving, TX 974 $ 425,010,000 $ 436,355 $ 234,000
Chicago-Naperville, IL 961 $ 330,275,000 $ 343,678 $ 166,000
Atlanta-Sandy Springs-Roswell, GA 870 $ 254,840,000 $ 292,919 $ 119,000
Denver-Aurora-Lakewood, CO 866 $ 374,110,000 $ 431,997 $ 159,000
Charleston-North Charleston, SC 480 $ 172,870,000 $ 360,145 $ 133,000
Arlington-Alexandria-Reston, VA-WV 445 $ 222,265,000 $ 499,471 $ 174,876
Greenville-Anderson-Mauldin, SC 438 $ 125,650,000 $ 286,872 $ 113,000
Phoenix-Mesa-Scottsdale, AZ 408 $ 155,490,000 $ 381,102 $ 160,000
Fort Worth-Arlington, TX 403 $ 161,965,000 $ 401,898 $ 189,000
Washington, DC-MD 402 $ 163,070,000 $ 405,646 $ 130,786
Davenport-Moline-Rock Island, IA-IL 389 $ 97,165,000 $ 249,781 $ 109,637
Minneapolis-St. Paul-Bloomington, MN-WI 383 $ 119,555,000 $ 312,154 $ 125,971
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 374 $ 90,450,000 $ 241,844 $ 115,000
Baltimore-Columbia-Towson, MD 369 $ 134,085,000 $ 363,373 $ 130,000
Columbia, SC 358 $ 84,210,000 $ 235,223 $ 95,000
Charlotte-Concord-Gastonia, NC-SC 355 $ 123,215,000 $ 347,084 $ 147,656
Tampa, FL 332 $ 114,890,000 $ 346,054 $ 159,000
Indianapolis-Carmel-Anderson, IN 328 $ 79,040,000 $ 240,975 $ 105,000
Louisville/Jefferson County, KY-IN 327 $ 93,885,000 $ 287,110 $ 119,018
Cincinnati, OH-KY-IN 307 $ 82,995,000 $ 270,342 $ 128,276
Cape Coral-Fort Myers, FL 280 $ 81,020,000 $ 289,357 $ 126,000
St. Louis, MO-IL 239 $ 62,405,000 $ 261,108 $ 125,581
Des Moines-West Des Moines, IA 238 $ 62,660,000 $ 263,277 $ 106,000
Colorado Springs, CO 229 $ 83,285,000 $ 363,689 $ 126,000
Orlando-Kissimmee-Sanford, FL 228 $ 74,450,000 $ 326,535 $ 135,000
McAllen-Edinburg-Mission, TX 222 $ 52,920,000 $ 238,378 $ 113,000
Elgin, IL 221 $ 76,725,000 $ 347,171 $ 164,000
Houston-The Woodlands-Sugar Land, TX 220 $ 71,800,000 $ 326,363 $ 171,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 217 $ 78,885,000 $ 363,525 $ 169,000
Lakeland-Winter Haven, FL 202 $ 55,600,000 $ 275,247 $ 116,000
Billings, MT 200 $ 59,130,000 $ 295,650 $ 120,000
Baton Rouge, LA 191 $ 49,495,000 $ 259,136 $ 117,000
Greeley, CO 189 $ 57,755,000 $ 305,582 $ 111,000
West Palm Beach-Boca Raton-Delray Beach, FL 189 $ 75,745,000 $ 400,767 $ 276,000
St. Petersburg-Clearwater-Largo, FL 187 $ 68,835,000 $ 368,101 $ 178,000
Cleveland, OH 182 $ 45,350,000 $ 249,175 $ 112,000
Miami-Miami Beach-Kendall, FL 180 $ 88,290,000 $ 490,500 $ 196,000
Washington-Baltimore-Arlington, DC 180 $ 91,910,000 $ 510,611 $ 202,000
Marietta, GA 179 $ 62,955,000 $ 351,703 $ 148,000
Nashville-Davidson--Murfreesboro--Franklin, TN 175 $ 68,855,000 $ 393,457 $ 174,000
Knoxville, TN 163 $ 53,735,000 $ 329,662 $ 117,000
Riverside-San Bernardino-Ontario, CA 160 $ 67,810,000 $ 423,812 $ 159,000
Lakewood-New Brunswick, NJ 157 $ 64,675,000 $ 411,942 $ 186,000
Spartanburg, SC 156 $ 36,420,000 $ 233,461 $ 89,000
Austin-Round Rock, TX 155 $ 74,955,000 $ 483,580 $ 207,000
Raleigh, NC 152 $ 52,170,000 $ 343,223 $ 138,000
Rocky Mount, NC 146 $ 29,960,000 $ 205,205 $ 90,000
Lake Charles, LA 145 $ 28,695,000 $ 197,896 $ 101,000
Wilmington, NC 144 $ 60,510,000 $ 420,208 $ 188,000
Kansas City, MO-KS 141 $ 41,385,000 $ 293,510 $ 128,468
Lexington-Fayette, KY 135 $ 36,535,000 $ 270,629 $ 127,000
Decatur, IL 131 $ 21,785,000 $ 166,297 $ 99,000
Portland-Vancouver-Hillsboro, OR-WA 131 $ 54,365,000 $ 415,000 $ 159,610
Warren-Troy-Farmington Hills, MI 129 $ 34,245,000 $ 265,465 $ 129,000
San Antonio-New Braunfels, TX 127 $ 46,505,000 $ 366,181 $ 132,000
Newark, NJ-PA 126 $ 58,830,000 $ 466,904 $ 208,000
North Port-Sarasota-Bradenton, FL 124 $ 37,760,000 $ 304,516 $ 157,000
Milwaukee-Waukesha-West Allis, WI 118 $ 34,430,000 $ 291,779 $ 132,000
Lake County-Kenosha County, IL-WI 114 $ 44,050,000 $ 386,403 $ 168,000
Seattle-Bellevue-Everett, WA 114 $ 65,230,000 $ 572,192 $ 237,000
Boise City, ID 113 $ 39,925,000 $ 353,318 $ 130,000
Los Angeles-Long Beach-Glendale, CA 113 $ 54,055,000 $ 478,362 $ 248,000
Richmond, VA 110 $ 32,220,000 $ 292,909 $ 118,000
Camden, NJ 109 $ 32,185,000 $ 295,275 $ 139,000
Jacksonville, FL 108 $ 33,820,000 $ 313,148 $ 131,000
Lynchburg, VA 108 $ 26,640,000 $ 246,666 $ 103,000
Virginia Beach-Norfolk-Newport News, VA-NC 108 $ 36,560,000 $ 338,518 $ 126,009
Dayton-Springfield-Kettering, OH 104 $ 21,260,000 $ 204,423 $ 106,000
Punta Gorda, FL 104 $ 24,520,000 $ 235,769 $ 118,000
El Paso, TX 101 $ 27,865,000 $ 275,891 $ 116,000
Goldsboro, NC 101 $ 24,845,000 $ 245,990 $ 100,000
Fort Wayne, IN 100 $ 26,230,000 $ 262,300 $ 93,000
Augusta-Richmond County, GA-SC 96 $ 24,680,000 $ 257,083 $ 108,916
Las Vegas-Henderson-Paradise, NV 92 $ 36,790,000 $ 399,891 $ 132,000
Brownsville-Harlingen, TX 89 $ 23,085,000 $ 259,382 $ 134,000
Montgomery County-Bucks County-Chester County, PA 87 $ 32,465,000 $ 373,160 $ 162,000
New York-Jersey City-White Plains, NY-NJ 86 $ 39,360,000 $ 457,674 $ 253,000
San Diego-Carlsbad, CA 86 $ 47,200,000 $ 548,837 $ 247,000
Greensboro-High Point, NC 85 $ 18,655,000 $ 219,470 $ 93,000
Pittsburgh, PA 81 $ 20,485,000 $ 252,901 $ 146,000
Everett, WA 77 $ 41,875,000 $ 543,831 $ 178,000
Birmingham-Hoover, AL 76 $ 23,740,000 $ 312,368 $ 127,000
Little Rock-North Little Rock-Conway, AR 76 $ 22,050,000 $ 290,131 $ 114,000
Memphis, TN-MS-AR 76 $ 17,210,000 $ 226,447 $ 90,986
Naples-Immokalee-Marco Island, FL 76 $ 31,480,000 $ 414,210 $ 225,000
Winston-Salem, NC 76 $ 17,690,000 $ 232,763 $ 110,000
Sacramento--Roseville--Arden-Arcade, CA 73 $ 30,255,000 $ 414,452 $ 173,000
Cambridge-Newton-Framingham, MA 72 $ 32,370,000 $ 449,583 $ 164,000
Fort Collins, CO 72 $ 26,030,000 $ 361,527 $ 131,000
Tacoma-Lakewood, WA 71 $ 32,735,000 $ 461,056 $ 191,000
Springfield, MO 70 $ 16,530,000 $ 236,142 $ 108,000
Dover, DE 69 $ 21,365,000 $ 309,637 $ 87,000
Provo-Orem, UT 69 $ 30,765,000 $ 445,869 $ 178,000
Lake County-Porter County-Jasper County, IN 68 $ 18,650,000 $ 274,264 $ 135,000
Philadelphia, PA 68 $ 16,410,000 $ 241,323 $ 110,000
Boston, MA 67 $ 32,045,000 $ 478,283 $ 187,000
Palm Bay-Melbourne-Titusville, FL 66 $ 23,900,000 $ 362,121 $ 151,000
New Orleans-Metairie, LA 64 $ 15,380,000 $ 240,312 $ 113,000
Roanoke, VA 64 $ 17,430,000 $ 272,343 $ 188,000
Staunton-Waynesboro, VA 64 $ 18,580,000 $ 290,312 $ 98,000
Detroit-Dearborn-Livonia, MI 63 $ 14,545,000 $ 230,873 $ 101,000
Jacksonville, NC 59 $ 17,475,000 $ 296,186 $ 108,000
Akron, OH 58 $ 13,310,000 $ 229,482 $ 109,000
Deltona-Daytona Beach-Ormond Beach, FL 58 $ 16,950,000 $ 292,241 $ 98,000
Fayetteville, NC 56 $ 13,740,000 $ 245,357 $ 116,000
Hartford-West Hartford-East Hartford, CT 55 $ 18,835,000 $ 342,454 $ 152,000
Pueblo, CO 54 $ 10,820,000 $ 200,370 $ 71,000
Boulder, CO 53 $ 28,645,000 $ 540,471 $ 222,000
Gainesville, FL 52 $ 13,890,000 $ 267,115 $ 139,000
Hagerstown-Martinsburg, MD-WV 52 $ 13,780,000 $ 265,000 $ 93,192
Lafayette, LA 52 $ 14,780,000 $ 284,230 $ 138,000
Savannah, GA 52 $ 16,330,000 $ 314,038 $ 121,000
Oklahoma City, OK 51 $ 13,845,000 $ 271,470 $ 134,000
Spokane-Spokane Valley, WA 51 $ 20,565,000 $ 403,235 $ 143,000
Pinehurst-Southern Pines, NC 48 $ 16,280,000 $ 339,166 $ 179,000
Duluth, MN-WI 47 $ 7,015,000 $ 149,255 $ 76,957
Toledo, OH 47 $ 9,895,000 $ 210,531 $ 122,000
Worcester, MA-CT 47 $ 18,625,000 $ 396,276 $ 134,000
Daphne-Fairhope-Foley, AL 45 $ 15,265,000 $ 339,222 $ 139,000
Fayetteville-Springdale-Rogers, AR-MO 45 $ 12,265,000 $ 272,555 $ 124,000
Port St. Lucie, FL 45 $ 14,195,000 $ 315,444 $ 142,000
Wilmington, DE-MD-NJ 44 $ 15,050,000 $ 342,045 $ 138,931
Ocala, FL 43 $ 11,265,000 $ 261,976 $ 130,000
Allentown-Bethlehem-Easton, PA-NJ 42 $ 12,130,000 $ 288,809 $ 143,285
Durham-Chapel Hill, NC 42 $ 13,710,000 $ 326,428 $ 140,000
Hickory-Lenoir-Morganton, NC 42 $ 12,210,000 $ 290,714 $ 109,000
Pensacola-Ferry Pass-Brent, FL 41 $ 10,385,000 $ 253,292 $ 109,000
Providence-Warwick, RI-MA 40 $ 17,010,000 $ 425,250 $ 157,750
Salt Lake City, UT 40 $ 15,490,000 $ 387,250 $ 198,000
Grand Rapids-Wyoming, MI 38 $ 12,460,000 $ 327,894 $ 125,000
Harrisonburg, VA 38 $ 11,940,000 $ 314,210 $ 155,000
Oakland-Hayward-Berkeley, CA 38 $ 19,480,000 $ 512,631 $ 250,000
Bridgeport-Stamford-Norwalk, CT 37 $ 18,305,000 $ 494,729 $ 208,000
Chattanooga, TN-GA 37 $ 9,685,000 $ 261,756 $ 97,378
Gainesville, GA 37 $ 9,725,000 $ 262,837 $ 104,000
Macon-Bibb County, GA 37 $ 7,555,000 $ 204,189 $ 82,000
Tucson, AZ 36 $ 10,470,000 $ 290,833 $ 114,000
Bakersfield, CA 35 $ 8,295,000 $ 237,000 $ 112,000
Manchester-Nashua, NH 35 $ 15,605,000 $ 445,857 $ 136,000
Mansfield, OH 35 $ 6,475,000 $ 185,000 $ 67,000
Canton-Massillon, OH 34 $ 9,090,000 $ 267,352 $ 153,000
Lima, OH 34 $ 5,730,000 $ 168,529 $ 68,000
Columbus, GA-AL 33 $ 8,015,000 $ 242,878 $ 105,454
Tallahassee, FL 33 $ 8,375,000 $ 253,787 $ 122,000
Anaheim-Santa Ana-Irvine, CA 32 $ 23,230,000 $ 725,937 $ 345,000
Killeen-Temple, TX 32 $ 11,630,000 $ 363,437 $ 140,000
Sebring, FL 32 $ 6,850,000 $ 214,062 $ 110,000
Harrisburg-Carlisle, PA 31 $ 6,985,000 $ 225,322 $ 95,000
Logan, UT-ID 31 $ 12,675,000 $ 408,870 $ 140,451
Wichita, KS 31 $ 7,445,000 $ 240,161 $ 102,000
York-Hanover, PA 31 $ 7,845,000 $ 253,064 $ 124,000
Springfield, OH 30 $ 5,470,000 $ 182,333 $ 94,000
Trenton, NJ 29 $ 10,675,000 $ 368,103 $ 132,000
Greenville, NC 28 $ 7,000,000 $ 250,000 $ 89,000
Huntsville, AL 28 $ 9,590,000 $ 342,500 $ 125,000
Rockford, IL 28 $ 5,670,000 $ 202,500 $ 113,000
Springfield, MA 28 $ 7,580,000 $ 270,714 $ 96,000
Waterbury-Shelton, CT 28 $ 8,540,000 $ 305,000 $ 124,000
Bellingham, WA 27 $ 12,785,000 $ 473,518 $ 147,000
Green Bay, WI 27 $ 8,195,000 $ 303,518 $ 111,000
Athens-Clarke County, GA 26 $ 6,830,000 $ 262,692 $ 118,000
Kennewick-Richland, WA 26 $ 8,820,000 $ 339,230 $ 121,000
Atlantic City-Hammonton, NJ 25 $ 7,885,000 $ 315,400 $ 163,000
Brunswick, GA 25 $ 6,605,000 $ 264,200 $ 110,000
Kingsport-Bristol-Bristol, TN-VA 25 $ 5,995,000 $ 239,800 $ 81,840
St. Cloud, MN 25 $ 5,685,000 $ 227,400 $ 79,000
Crestview-Fort Walton Beach-Destin, FL 24 $ 10,010,000 $ 417,083 $ 258,000
Midland, TX 24 $ 7,450,000 $ 310,416 $ 188,000
Omaha-Council Bluffs, NE-IA 24 $ 5,350,000 $ 222,916 $ 96,333
Peoria, IL 24 $ 5,530,000 $ 230,416 $ 117,000
Ogden-Clearfield, UT 23 $ 10,315,000 $ 448,478 $ 158,000
Olympia-Tumwater, WA 23 $ 8,865,000 $ 385,434 $ 264,000
Stockton-Lodi, CA 23 $ 9,185,000 $ 399,347 $ 149,000
Ames, IA 22 $ 5,180,000 $ 235,454 $ 84,000
Bremerton-Silverdale, WA 22 $ 9,980,000 $ 453,636 $ 131,000
Charlottesville, VA 22 $ 9,370,000 $ 425,909 $ 162,000
Grand Junction, CO 22 $ 6,940,000 $ 315,454 $ 115,000
Scranton--Wilkes-Barre--Hazleton, PA 22 $ 4,650,000 $ 211,363 $ 95,000
Albuquerque, NM 21 $ 7,005,000 $ 333,571 $ 125,000
Asheville, NC 21 $ 7,115,000 $ 338,809 $ 127,000
Clarksville, TN-KY 21 $ 6,015,000 $ 286,428 $ 94,523
Erie, PA 21 $ 4,255,000 $ 202,619 $ 101,000
Johnson City, TN 21 $ 6,885,000 $ 327,857 $ 127,000
New Haven-Milford, CT 21 $ 7,275,000 $ 346,428 $ 158,000
South Bend-Mishawaka, IN-MI 21 $ 3,575,000 $ 170,238 $ 213,571
Tulsa, OK 21 $ 5,695,000 $ 271,190 $ 119,000
Champaign-Urbana, IL 20 $ 4,580,000 $ 229,000 $ 96,000
Idaho Falls, ID 20 $ 6,980,000 $ 349,000 $ 120,000
Winchester, VA-WV 20 $ 5,600,000 $ 280,000 $ 86,000
Youngstown-Warren-Boardman, OH-PA 20 $ 4,390,000 $ 219,500 $ 111,000
Beaumont-Port Arthur, TX 19 $ 3,405,000 $ 179,210 $ 92,000
Florence, SC 19 $ 5,085,000 $ 267,631 $ 91,000
Fresno, CA 19 $ 6,255,000 $ 329,210 $ 132,000
Lubbock, TX 19 $ 3,855,000 $ 202,894 $ 104,000
Salem, OR 19 $ 7,335,000 $ 386,052 $ 167,000
Coeur D'Alene, ID 18 $ 6,970,000 $ 387,222 $ 115,000
Elizabethtown-Fort Knox, KY 18 $ 5,910,000 $ 328,333 $ 100,000
Flint, MI 18 $ 3,310,000 $ 183,888 $ 151,000
Mobile, AL 18 $ 4,420,000 $ 245,555 $ 102,000
Rockingham County-Strafford County, NH 18 $ 8,870,000 $ 492,777 $ 204,000
Appleton, WI 17 $ 4,355,000 $ 256,176 $ 134,000
Hilton Head Island-Bluffton-Beaufort, SC 17 $ 7,535,000 $ 443,235 $ 137,000
Huntington-Ashland, WV-KY-OH 17 $ 3,325,000 $ 195,588 $ 87,000
Sandusky, OH 17 $ 3,055,000 $ 179,705 $ 151,000
Warner Robins, GA 17 $ 3,885,000 $ 228,529 $ 144,000
Corpus Christi, TX 16 $ 4,540,000 $ 283,750 $ 133,000
Hinesville, GA 16 $ 4,440,000 $ 277,500 $ 107,000
Jackson, MS 16 $ 4,330,000 $ 270,625 $ 116,000
Lexington Park, MD 16 $ 6,000,000 $ 375,000 $ 155,000
Madison, WI 16 $ 6,440,000 $ 402,500 $ 232,000
Prescott Valley-Prescott, AZ 16 $ 5,820,000 $ 363,750 $ 138,000
Reading, PA 16 $ 4,000,000 $ 250,000 $ 98,000
Shreveport-Bossier City, LA 16 $ 4,470,000 $ 279,375 $ 74,000
Wichita Falls, TX 16 $ 3,660,000 $ 228,750 $ 243,000
Evansville, IN-KY 15 $ 3,165,000 $ 211,000 $ 89,000
Kenosha, WI 15 $ 4,085,000 $ 272,333 $ 139,000
Michigan City-La Porte, IN 15 $ 3,295,000 $ 219,666 $ 101,000
Racine, WI 15 $ 3,565,000 $ 237,666 $ 96,000
Slidell-Mandeville-Covington, LA 15 $ 3,665,000 $ 244,333 $ 93,000
State College, PA 15 $ 4,355,000 $ 290,333 $ 116,000
Yakima, WA 15 $ 4,365,000 $ 291,000 $ 84,000
Barnstable Town, MA 14 $ 7,510,000 $ 536,428 $ 356,000
Bend-Redmond, OR 14 $ 5,470,000 $ 390,714 $ 143,000
Gulfport-Biloxi-Pascagoula, MS 14 $ 3,050,000 $ 217,857 $ 140,000
Jackson, TN 14 $ 2,790,000 $ 199,285 $ 87,000
Lawton, OK 14 $ 3,070,000 $ 219,285 $ 99,000
Muncie, IN 14 $ 2,520,000 $ 180,000 $ 103,000
Oxnard-Thousand Oaks-Ventura, CA 14 $ 9,060,000 $ 647,142 $ 150,000
Tuscaloosa, AL 14 $ 3,880,000 $ 277,142 $ 118,000
Vallejo-Fairfield, CA 14 $ 4,780,000 $ 341,428 $ 161,000
Waco, TX 14 $ 3,940,000 $ 281,428 $ 110,000
Wheeling, WV-OH 14 $ 3,160,000 $ 225,714 $ 84,714
Dalton, GA 13 $ 2,855,000 $ 219,615 $ 93,000
Elkhart-Goshen, IN 13 $ 3,335,000 $ 256,538 $ 85,000
Kalamazoo-Portage, MI 13 $ 2,485,000 $ 191,153 $ 94,000
Lewiston-Auburn, ME 13 $ 3,565,000 $ 274,230 $ 66,000
Lincoln, NE 13 $ 3,105,000 $ 238,846 $ 136,000
Morristown, TN 13 $ 3,165,000 $ 243,461 $ 79,000
Odessa, TX 13 $ 2,955,000 $ 227,307 $ 108,000
Panama City, FL 13 $ 3,835,000 $ 295,000 $ 145,000
Portland-South Portland, ME 13 $ 4,825,000 $ 371,153 $ 114,000
San Jose-Sunnyvale-Santa Clara, CA 13 $ 5,145,000 $ 395,769 $ 265,000
Valdosta, GA 13 $ 3,245,000 $ 249,615 $ 102,000
Burlington, NC 12 $ 2,720,000 $ 226,666 $ 95,000
Jonesboro, AR 12 $ 3,640,000 $ 303,333 $ 541,000
Lansing-East Lansing, MI 12 $ 2,400,000 $ 200,000 $ 127,000
Montgomery, AL 12 $ 3,440,000 $ 286,666 $ 95,000
Niles-Benton Harbor, MI 12 $ 2,610,000 $ 217,500 $ 135,000
San Francisco-Redwood City-South San Francisco, CA 12 $ 6,050,000 $ 504,166 $ 280,000
Anniston-Oxford-Jacksonville, AL 11 $ 1,425,000 $ 129,545 $ 66,000
Bangor, ME 11 $ 2,445,000 $ 222,272 $ 153,000
Joplin, MO 11 $ 2,695,000 $ 245,000 $ 93,909
Las Cruces, NM 11 $ 2,705,000 $ 245,909 $ 92,000
Norwich-New London, CT 11 $ 2,985,000 $ 271,363 $ 115,000
Reno, NV 11 $ 5,275,000 $ 479,545 $ 168,000
Topeka, KS 11 $ 2,925,000 $ 265,909 $ 127,000
Auburn-Opelika, AL 10 $ 2,670,000 $ 267,000 $ 79,000
Bowling Green, KY 10 $ 2,500,000 $ 250,000 $ 67,000
Cedar Rapids, IA 10 $ 1,940,000 $ 194,000 $ 76,000
Chico, CA 10 $ 2,230,000 $ 223,000 $ 118,000
Great Falls, MT 10 $ 2,910,000 $ 291,000 $ 86,000
Lake Havasu City-Kingman, AZ 10 $ 2,110,000 $ 211,000 $ 78,000
Longview, WA 10 $ 3,380,000 $ 338,000 $ 117,000
Owensboro, KY 10 $ 1,630,000 $ 163,000 $ 56,000
Santa Rosa, CA 10 $ 6,910,000 $ 691,000 $ 212,000
St. George, UT 10 $ 4,670,000 $ 467,000 $ 183,000
Sumter, SC 10 $ 2,330,000 $ 233,000 $ 101,000
Twin Falls, ID 10 $ 2,400,000 $ 240,000 $ 97,000
Tyler, TX 10 $ 3,240,000 $ 324,000 $ 196,000
Albany, GA 9 $ 1,975,000 $ 219,444 $ 155,000
Blacksburg-Christiansburg-Radford, VA 9 $ 2,235,000 $ 248,333 $ 99,000
Bloomington, IN 9 $ 3,015,000 $ 335,000 $ 150,000
Charleston, WV 9 $ 1,475,000 $ 163,888 $ 86,000
Homosassa Springs, FL 9 $ 2,035,000 $ 226,111 $ 93,000
Iowa City, IA 9 $ 2,515,000 $ 279,444 $ 118,000
Kokomo, IN 9 $ 2,095,000 $ 232,777 $ 101,000
Lancaster, PA 9 $ 2,295,000 $ 255,000 $ 120,000
Monroe, MI 9 $ 2,165,000 $ 240,555 $ 132,000
Oshkosh-Neenah, WI 9 $ 1,765,000 $ 196,111 $ 77,000
Sioux Falls, SD 9 $ 2,345,000 $ 260,555 $ 84,000
Chambersburg-Waynesboro, PA 8 $ 2,430,000 $ 303,750 $ 101,000
College Station-Bryan, TX 8 $ 2,310,000 $ 288,750 $ 127,000
Hammond, LA 8 $ 1,440,000 $ 180,000 $ 84,000
Lebanon, PA 8 $ 1,980,000 $ 247,500 $ 71,000
Lewiston, ID-WA 8 $ 2,100,000 $ 262,500 $ 72,625
Medford, OR 8 $ 2,800,000 $ 350,000 $ 146,000
Mount Vernon-Anacortes, WA 8 $ 3,160,000 $ 395,000 $ 144,000
Salisbury, MD-DE 8 $ 1,970,000 $ 246,250 $ 174,000
Yuma, AZ 8 $ 2,250,000 $ 281,250 $ 176,000
Cheyenne, WY 7 $ 2,895,000 $ 413,571 $ 161,000
Eugene, OR 7 $ 2,335,000 $ 333,571 $ 141,000
Fort Smith, AR-OK 7 $ 2,055,000 $ 293,571 $ 122,285
Gettysburg, PA 7 $ 2,205,000 $ 315,000 $ 117,000
Grants Pass, OR 7 $ 2,825,000 $ 403,571 $ 152,000
Jackson, MI 7 $ 2,235,000 $ 319,285 $ 179,000
Janesville-Beloit, WI 7 $ 2,035,000 $ 290,714 $ 97,000
Kankakee, IL 7 $ 1,495,000 $ 213,571 $ 105,000
Lafayette-West Lafayette, IN 7 $ 2,035,000 $ 290,714 $ 156,000
Longview, TX 7 $ 1,925,000 $ 275,000 $ 122,000
Modesto, CA 7 $ 2,665,000 $ 380,714 $ 116,000
Muskegon, MI 7 $ 1,655,000 $ 236,428 $ 101,000
Pocatello, ID 7 $ 1,735,000 $ 247,857 $ 76,000
Rapid City, SD 7 $ 2,405,000 $ 343,571 $ 87,000
Rome, GA 7 $ 725,000 $ 103,571 $ 47,000
Sheboygan, WI 7 $ 1,995,000 $ 285,000 $ 90,000
Sherman-Denison, TX 7 $ 2,565,000 $ 366,428 $ 1,195,000
Springfield, IL 7 $ 1,785,000 $ 255,000 $ 106,000
Albany, OR 6 $ 2,300,000 $ 383,333 $ 92,000
Ann Arbor, MI 6 $ 2,110,000 $ 351,666 $ 197,000
Bloomington, IL 6 $ 1,580,000 $ 263,333 $ 151,000
Casper, WY 6 $ 1,730,000 $ 288,333 $ 165,000
Cleveland, TN 6 $ 1,740,000 $ 290,000 $ 71,000
Helena, MT 6 $ 3,350,000 $ 558,333 $ 147,000
Lawrence, KS 6 $ 2,450,000 $ 408,333 $ 131,000
Merced, CA 6 $ 2,240,000 $ 373,333 $ 106,000
Santa Maria-Santa Barbara, CA 6 $ 2,090,000 $ 348,333 $ 154,000
Terre Haute, IN 6 $ 1,110,000 $ 185,000 $ 57,000
Columbia, MO 5 $ 1,065,000 $ 213,000 $ 77,000
Dothan, AL 5 $ 2,255,000 $ 451,000 $ 121,000
Dubuque, IA 5 $ 1,375,000 $ 275,000 $ 188,000
Florence-Muscle Shoals, AL 5 $ 1,795,000 $ 359,000 $ 147,000
Mankato-North Mankato, MN 5 $ 1,135,000 $ 227,000 $ 117,000
Missoula, MT 5 $ 2,605,000 $ 521,000 $ 233,000
Pittsfield, MA 5 $ 1,475,000 $ 295,000 $ 87,000
San Angelo, TX 5 $ 1,045,000 $ 209,000 $ 76,000
San Rafael, CA 5 $ 935,000 $ 187,000 $ 235,000
Sebastian-Vero Beach, FL 5 $ 1,035,000 $ 207,000 $ 169,000
Vineland-Bridgeton, NJ 5 $ 765,000 $ 153,000 $ 74,000
Visalia-Porterville, CA 5 $ 1,105,000 $ 221,000 $ 111,000
Weirton-Steubenville, WV-OH 5 $ 695,000 $ 139,000 $ 73,200
Wildwood-The Villages, FL 5 $ 1,405,000 $ 281,000 $ 85,000
Yuba City, CA 5 $ 1,555,000 $ 311,000 $ 100,000
Amarillo, TX 4 $ 1,290,000 $ 322,500 $ 217,000
Columbus, IN 4 $ 1,320,000 $ 330,000 $ 109,000
Gadsden, AL 4 $ 910,000 $ 227,500 $ 77,000
Grand Island, NE 4 $ 950,000 $ 237,500 $ 78,000
Hattiesburg, MS 4 $ 850,000 $ 212,500 $ 57,000
Hot Springs, AR 4 $ 860,000 $ 215,000 $ 124,000
Saginaw, MI 4 $ 720,000 $ 180,000 $ 95,000
Salinas, CA 4 $ 2,070,000 $ 517,500 $ 190,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 4 $ 550,000 $ 137,500 $ 239,000
St. Joseph, MO-KS 4 $ 790,000 $ 197,500 $ 99,000
Walla Walla, WA 4 $ 1,060,000 $ 265,000 $ 90,000
Alexandria, LA 3 $ 645,000 $ 215,000 $ 59,000
Amherst Town-Northampton, MA 3 $ 975,000 $ 325,000 $ 89,000
Beckley, WV 3 $ 765,000 $ 255,000 $ 121,000
Bozeman, MT 3 $ 1,535,000 $ 511,666 $ 176,000
Jefferson City, MO 3 $ 755,000 $ 251,666 $ 93,000
Manhattan, KS 3 $ 645,000 $ 215,000 $ 51,000
Paducah, KY-IL 3 $ 535,000 $ 178,333 $ 89,000
Redding, CA 3 $ 885,000 $ 295,000 $ 80,000
Rochester, MN 3 $ 595,000 $ 198,333 $ 69,000
Sierra Vista-Douglas, AZ 3 $ 1,065,000 $ 355,000 $ 95,000
Waterloo-Cedar Falls, IA 3 $ 775,000 $ 258,333 $ 95,000
Wenatchee, WA 3 $ 985,000 $ 328,333 $ 74,000
Williamsport, PA 3 $ 835,000 $ 278,333 $ 51,000
Bismarck, ND 2 $ 410,000 $ 205,000 $ 95,000
Eau Claire, WI 2 $ 780,000 $ 390,000 $ 77,000
El Centro, CA 2 $ 180,000 $ 90,000 $ 123,000
Enid, OK 2 $ 350,000 $ 175,000 $ 98,000
Farmington, NM 2 $ 380,000 $ 190,000 $ 56,000
Flagstaff, AZ 2 $ 980,000 $ 490,000 $ 252,000
Grand Forks, ND-MN 2 $ 390,000 $ 195,000 $ 66,500
Houma-Thibodaux, LA 2 $ 340,000 $ 170,000 $ 109,000
Laredo, TX 2 $ 1,020,000 $ 510,000 $ 208,000
Midland, MI 2 $ 400,000 $ 200,000 $ 130,000
Monroe, LA 2 $ 520,000 $ 260,000 $ 69,000
Napa, CA 2 $ 790,000 $ 395,000 $ 170,000
Sioux City, IA-NE-SD 2 $ 430,000 $ 215,000 $ 68,000
Texarkana, TX-AR 2 $ 380,000 $ 190,000 $ 50,000
Traverse City, MI 2 $ 510,000 $ 255,000 $ 98,000
Victoria, TX 2 $ 800,000 $ 400,000 $ 176,000
Abilene, TX 1 $ 175,000 $ 175,000 $ 109,000
Battle Creek, MI 1 $ 355,000 $ 355,000 $ 111,000
Bay City, MI 1 $ 185,000 $ 185,000 $ 135,000
Cape Girardeau, MO-IL 1 $ 215,000 $ 215,000 $ 54,000
Carson City, NV 1 $ 625,000 $ 625,000 $ 163,000
Corvallis, OR 1 $ 275,000 $ 275,000 $ 72,000
Decatur, AL 1 $ 135,000 $ 135,000 $ 0
Eagle Pass, TX 1 $ 375,000 $ 375,000 $ 143,000
Fargo, ND-MN 1 $ 235,000 $ 235,000 $ 118,000
Johnstown, PA 1 $ 105,000 $ 105,000 $ 35,000
Minot, ND 1 $ 55,000 $ 55,000 $ 107,000
Morgantown, WV 1 $ 185,000 $ 185,000 $ 80,000
Santa Fe, NM 1 $ 435,000 $ 435,000 $ 190,000
Wausau, WI 1 $ 135,000 $ 135,000 $ 81,000

Mortgage Loan Application Detail Totals for Lower, LLC in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 17,910 $5,843,310,000 $326,000 $4,935,000 $135,000 $4,596,000
Cash-out Refinancing 8,073 $2,331,805,000 $288,000 $3,455,000 $138,000 $8,258,000
Refinancing 3,648 $1,368,150,000 $375,000 $3,005,000 $164,000 $8,258,000
Other Purpose 9 $825,000 $91,000 $305,000 $291,000 $948,000
Home Improvement 3 $475,000 $158,000 $235,000 $159,000 $195,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 15,930 $5,152,520,000 $323,000 $4,935,000 $140,000 $8,258,000
Not Provided 6,208 $1,921,410,000 $309,000 $4,905,000 $148,000 $4,006,000
Hispanic 3,354 $1,056,550,000 $315,000 $2,205,000 $137,000 $7,483,000
Black or African American 2,765 $844,205,000 $305,000 $1,805,000 $110,000 $2,035,000
Asian 1,173 $500,735,000 $426,000 $1,935,000 $175,000 $2,884,000
American Indian or Alaskan Native 175 $58,035,000 $331,000 $1,425,000 $133,000 $814,000
Native Hawaiian or Other Pacific Islander 38 $11,110,000 $292,000 $705,000 $108,000 $278,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 17,224 $5,528,360,000 $320,000 $4,935,000 $167,000 $8,258,000
FHA-insured (Federal Housing Administration) 8,903 $2,701,665,000 $303,000 $1,235,000 $99,000 $5,184,000
VA-guaranteed (Veterans Administration) 3,334 $1,275,750,000 $382,000 $3,455,000 $107,000 $2,000,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 182 $38,790,000 $213,000 $385,000 $76,000 $139,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 17,905 $5,762,845,000 $321,000 $2,685,000 $143,000 $8,258,000
Application Withdrawn By Applicant 7,902 $2,584,250,000 $327,000 $4,935,000 $144,000 $5,184,000
Application Denied By Financial Institution 2,926 $902,520,000 $308,000 $2,275,000 $106,000 $4,006,000
File Closed For Incompleteness 674 $218,750,000 $324,000 $1,685,000 $142,000 $1,500,000
Application Approved But Not Accepted 236 $76,200,000 $322,000 $1,195,000 $137,000 $794,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 26,717 $8,642,045,000 $323,000 $4,935,000 $143,000 $8,258,000
Debt-To-Income Ratio 947 $311,465,000 $328,000 $1,755,000 $94,000 $514,000
Credit History 943 $278,795,000 $295,000 $1,505,000 $95,000 $750,000
Collateral 452 $134,360,000 $297,000 $2,275,000 $118,000 $1,107,000
Other 178 $54,770,000 $307,000 $2,005,000 $144,000 $1,433,000
Credit Application Incomplete 155 $42,145,000 $271,000 $2,015,000 $164,000 $4,006,000
Employment History 92 $27,740,000 $301,000 $1,935,000 $94,000 $502,000
Insufficient Cash (Downpayment, Closing Cost) 81 $26,305,000 $324,000 $945,000 $109,000 $415,000
Unverifiable Information 78 $26,940,000 $345,000 $1,045,000 $121,000 $564,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Lower, LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Lower, LLC's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Maryland, download the full spreadsheet with aggregated HMDA statistics today.

Download the Maryland Lender List