Lower, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Lower, Llc 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Lower, Llc 5950 Symphony Woods Drive Lutherville, MD 21044 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 14,845 |
| Total Mortgage Loan Application Amount | $2,727,885,000 |
| Average Mortgage Loan Application Amount | $186,250 |
| Highest Mortgage Loan Application Amount | $2,545,000 |
| Average Applicant Income | $97,250 |
| Highest Applicant Income | $1,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Lower, Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Lower, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Lower, Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Lower, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Lower, Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Lower, Llc's mortgage activity for 2018.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| NA (OUTSIDE OF MSA/MD) | 1,228 | $ 186,060,000 | $ 150,954 | $ 83,272 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 1,015 | $ 301,175,000 | $ 314,250 | $ 127,250 |
| COLUMBUS, OH | 811 | $ 136,535,000 | $ 168,000 | $ 82,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 782 | $ 132,740,000 | $ 169,000 | $ 103,000 |
| RALEIGH, NC | 609 | $ 129,155,000 | $ 212,000 | $ 89,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 513 | $ 97,955,000 | $ 172,500 | $ 95,500 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 410 | $ 88,920,000 | $ 216,000 | $ 96,000 |
| AKRON, OH | 357 | $ 47,185,000 | $ 132,000 | $ 76,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 331 | $ 54,275,000 | $ 163,000 | $ 98,000 |
| CLEVELAND-ELYRIA, OH | 316 | $ 46,730,000 | $ 147,000 | $ 95,000 |
| CANTON-MASSILLON, OH | 291 | $ 39,655,000 | $ 136,000 | $ 69,000 |
| CHICAGO-NAPERVILLE-ARLINGTON HEIGHTS, IL | 283 | $ 45,965,000 | $ 162,000 | $ 103,000 |
| CINCINNATI, OH-KY-IN | 262 | $ 40,180,000 | $ 126,666 | $ 107,000 |
| DENVER-AURORA-LAKEWOOD, CO | 205 | $ 45,465,000 | $ 221,000 | $ 108,000 |
| DURHAM-CHAPEL HILL, NC | 194 | $ 36,640,000 | $ 188,000 | $ 92,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 194 | $ 34,970,000 | $ 180,000 | $ 101,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 181 | $ 32,275,000 | $ 178,000 | $ 94,000 |
| SILVER SPRING-FREDERICK-ROCKVILLE, MD | 175 | $ 47,425,000 | $ 271,000 | $ 122,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 168 | $ 38,230,000 | $ 227,000 | $ 126,000 |
| NEWARK, NJ-PA | 146 | $ 31,810,000 | $ 175,500 | $ 110,500 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 143 | $ 29,815,000 | $ 208,000 | $ 106,000 |
| HICKORY-LENOIR-MORGANTON, NC | 139 | $ 23,275,000 | $ 167,000 | $ 71,000 |
| PITTSBURGH, PA | 133 | $ 20,295,000 | $ 152,000 | $ 102,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 129 | $ 29,035,000 | $ 225,000 | $ 120,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 128 | $ 25,200,000 | $ 177,500 | $ 84,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 123 | $ 15,425,000 | $ 125,000 | $ 96,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 122 | $ 26,040,000 | $ 213,000 | $ 110,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 119 | $ 20,245,000 | $ 170,000 | $ 96,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 117 | $ 17,775,000 | $ 151,000 | $ 92,000 |
| MOBILE, AL | 116 | $ 13,510,000 | $ 116,000 | $ 61,000 |
| WILMINGTON, NC | 116 | $ 25,490,000 | $ 219,000 | $ 97,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 115 | $ 23,935,000 | $ 208,000 | $ 119,000 |
| JACKSONVILLE, FL | 112 | $ 18,240,000 | $ 162,000 | $ 95,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 112 | $ 19,060,000 | $ 160,000 | $ 67,500 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 108 | $ 14,710,000 | $ 126,000 | $ 88,500 |
| RICHMOND, VA | 105 | $ 20,525,000 | $ 195,000 | $ 108,000 |
| BIRMINGHAM-HOOVER, AL | 100 | $ 14,850,000 | $ 148,000 | $ 95,000 |
| DALLAS-PLANO-IRVING, TX | 93 | $ 26,125,000 | $ 280,000 | $ 117,000 |
| CAMDEN, NJ | 91 | $ 15,805,000 | $ 173,000 | $ 134,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 89 | $ 16,655,000 | $ 187,000 | $ 122,000 |
| ASHEVILLE, NC | 85 | $ 18,705,000 | $ 220,000 | $ 98,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 81 | $ 11,735,000 | $ 144,000 | $ 91,000 |
| NEW ORLEANS-METAIRIE, LA | 81 | $ 12,725,000 | $ 157,000 | $ 98,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 79 | $ 11,075,000 | $ 142,500 | $ 97,500 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 77 | $ 20,855,000 | $ 270,000 | $ 122,000 |
| PORT ST. LUCIE, FL | 71 | $ 12,355,000 | $ 174,000 | $ 82,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 70 | $ 29,350,000 | $ 419,000 | $ 140,000 |
| COLUMBIA, SC | 66 | $ 10,070,000 | $ 152,000 | $ 82,000 |
| PHILADELPHIA, PA | 65 | $ 10,275,000 | $ 158,000 | $ 76,000 |
| DAYTON, OH | 64 | $ 7,870,000 | $ 122,000 | $ 94,000 |
| EAST STROUDSBURG, PA | 61 | $ 8,475,000 | $ 138,000 | $ 80,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 61 | $ 11,055,000 | $ 181,000 | $ 103,000 |
| GREENSBORO-HIGH POINT, NC | 60 | $ 8,980,000 | $ 149,000 | $ 81,000 |
| MEMPHIS, TN-MS-AR | 58 | $ 8,330,000 | $ 143,000 | $ 90,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 58 | $ 8,650,000 | $ 149,000 | $ 125,000 |
| CAPE CORAL-FORT MYERS, FL | 57 | $ 8,555,000 | $ 150,000 | $ 77,000 |
| KNOXVILLE, TN | 56 | $ 8,140,000 | $ 145,000 | $ 80,000 |
| LAKELAND-WINTER HAVEN, FL | 54 | $ 7,090,000 | $ 131,000 | $ 84,000 |
| SALISBURY, MD-DE | 53 | $ 9,615,000 | $ 186,500 | $ 99,000 |
| WILMINGTON, DE-MD-NJ | 51 | $ 7,795,000 | $ 145,666 | $ 86,333 |
| ELGIN, IL | 47 | $ 7,415,000 | $ 157,000 | $ 100,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 46 | $ 6,390,000 | $ 145,000 | $ 81,500 |
| GARY, IN | 44 | $ 5,530,000 | $ 125,000 | $ 94,000 |
| ATHENS-CLARKE COUNTY, GA | 43 | $ 7,755,000 | $ 180,000 | $ 92,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 43 | $ 6,355,000 | $ 147,000 | $ 77,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 43 | $ 6,295,000 | $ 146,000 | $ 72,000 |
| SPARTANBURG, SC | 43 | $ 5,475,000 | $ 127,000 | $ 92,000 |
| COLORADO SPRINGS, CO | 41 | $ 7,335,000 | $ 178,000 | $ 88,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 40 | $ 7,240,000 | $ 189,000 | $ 111,000 |
| SHREVEPORT-BOSSIER CITY, LA | 40 | $ 7,930,000 | $ 198,000 | $ 108,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 39 | $ 16,565,000 | $ 424,000 | $ 142,000 |
| CHATTANOOGA, TN-GA | 38 | $ 4,070,000 | $ 107,500 | $ 63,500 |
| FORT WORTH-ARLINGTON, TX | 38 | $ 9,080,000 | $ 238,000 | $ 120,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 38 | $ 12,060,000 | $ 317,000 | $ 113,000 |
| TOLEDO, OH | 38 | $ 4,790,000 | $ 126,000 | $ 99,000 |
| BATON ROUGE, LA | 36 | $ 6,440,000 | $ 178,000 | $ 104,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 35 | $ 4,175,000 | $ 119,000 | $ 78,000 |
| LEXINGTON-FAYETTE, KY | 35 | $ 4,605,000 | $ 131,000 | $ 76,000 |
| GRAND RAPIDS-WYOMING, MI | 34 | $ 4,460,000 | $ 131,000 | $ 111,000 |
| WINSTON-SALEM, NC | 34 | $ 5,110,000 | $ 150,000 | $ 65,000 |
| HARRISBURG-CARLISLE, PA | 33 | $ 4,935,000 | $ 149,000 | $ 100,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 33 | $ 5,175,000 | $ 156,000 | $ 77,000 |
| STATE COLLEGE, PA | 32 | $ 6,940,000 | $ 216,000 | $ 97,000 |
| LANCASTER, PA | 31 | $ 4,375,000 | $ 141,000 | $ 97,000 |
| GREELEY, CO | 30 | $ 5,360,000 | $ 178,000 | $ 87,000 |
| TALLAHASSEE, FL | 30 | $ 4,090,000 | $ 136,000 | $ 73,000 |
| HUNTSVILLE, AL | 29 | $ 3,205,000 | $ 110,000 | $ 93,000 |
| OCALA, FL | 29 | $ 3,645,000 | $ 125,000 | $ 65,000 |
| SALEM, OR | 29 | $ 6,495,000 | $ 223,000 | $ 73,000 |
| JACKSONVILLE, NC | 28 | $ 5,390,000 | $ 192,000 | $ 96,000 |
| ROANOKE, VA | 28 | $ 3,440,000 | $ 122,000 | $ 84,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 28 | $ 3,500,000 | $ 125,000 | $ 64,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 27 | $ 4,365,000 | $ 161,000 | $ 95,000 |
| SAN DIEGO-CARLSBAD, CA | 27 | $ 10,435,000 | $ 386,000 | $ 152,000 |
| ST. LOUIS, MO-IL | 27 | $ 3,775,000 | $ 139,000 | $ 129,000 |
| GAINESVILLE, GA | 26 | $ 3,920,000 | $ 150,000 | $ 86,000 |
| HOUMA-THIBODAUX, LA | 26 | $ 3,720,000 | $ 143,000 | $ 103,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 26 | $ 3,040,000 | $ 121,666 | $ 61,000 |
| LYNCHBURG, VA | 26 | $ 3,470,000 | $ 133,000 | $ 82,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 26 | $ 3,300,000 | $ 126,000 | $ 91,000 |
| BURLINGTON, NC | 25 | $ 4,405,000 | $ 176,000 | $ 85,000 |
| BAKERSFIELD, CA | 24 | $ 5,530,000 | $ 230,000 | $ 105,000 |
| COLUMBUS, GA-AL | 24 | $ 2,970,000 | $ 116,500 | $ 81,500 |
| JOHNSTOWN, PA | 24 | $ 1,680,000 | $ 70,000 | $ 46,000 |
| YORK-HANOVER, PA | 24 | $ 3,710,000 | $ 154,000 | $ 90,000 |
| FAYETTEVILLE, NC | 23 | $ 2,635,000 | $ 114,000 | $ 62,000 |
| PUNTA GORDA, FL | 23 | $ 2,865,000 | $ 124,000 | $ 76,000 |
| SAVANNAH, GA | 23 | $ 3,445,000 | $ 149,000 | $ 115,000 |
| MONTGOMERY, AL | 20 | $ 2,060,000 | $ 103,000 | $ 71,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 20 | $ 5,390,000 | $ 269,000 | $ 143,000 |
| AUBURN-OPELIKA, AL | 19 | $ 2,475,000 | $ 130,000 | $ 60,000 |
| CHARLOTTESVILLE, VA | 19 | $ 3,795,000 | $ 199,000 | $ 133,000 |
| DOVER, DE | 19 | $ 3,505,000 | $ 184,000 | $ 86,000 |
| FRESNO, CA | 19 | $ 4,305,000 | $ 226,000 | $ 85,000 |
| GRAND JUNCTION, CO | 19 | $ 2,705,000 | $ 142,000 | $ 60,000 |
| READING, PA | 19 | $ 2,345,000 | $ 123,000 | $ 80,000 |
| STOCKTON-LODI, CA | 19 | $ 5,695,000 | $ 299,000 | $ 75,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 18 | $ 8,760,000 | $ 486,000 | $ 155,000 |
| FORT COLLINS, CO | 18 | $ 3,450,000 | $ 191,000 | $ 101,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 18 | $ 2,850,000 | $ 163,000 | $ 80,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 18 | $ 3,960,000 | $ 220,000 | $ 119,000 |
| TRENTON, NJ | 17 | $ 3,565,000 | $ 209,000 | $ 193,000 |
| EVANSVILLE, IN-KY | 16 | $ 1,470,000 | $ 92,500 | $ 65,500 |
| FLORENCE, SC | 16 | $ 2,400,000 | $ 150,000 | $ 79,000 |
| HOMOSASSA SPRINGS, FL | 16 | $ 2,060,000 | $ 128,000 | $ 75,000 |
| SEBASTIAN-VERO BEACH, FL | 16 | $ 2,580,000 | $ 161,000 | $ 81,000 |
| ANNISTON-OXFORD-JACKSONVILLE, AL | 15 | $ 1,755,000 | $ 117,000 | $ 86,000 |
| GAINESVILLE, FL | 15 | $ 2,465,000 | $ 164,000 | $ 107,000 |
| LAFAYETTE, LA | 15 | $ 2,025,000 | $ 135,000 | $ 81,000 |
| ROCKFORD, IL | 15 | $ 1,545,000 | $ 103,000 | $ 78,000 |
| ALTOONA, PA | 14 | $ 1,730,000 | $ 123,000 | $ 52,000 |
| ELKHART-GOSHEN, IN | 14 | $ 1,770,000 | $ 126,000 | $ 53,000 |
| FLORENCE-MUSCLE SHOALS, AL | 14 | $ 1,680,000 | $ 120,000 | $ 79,000 |
| PANAMA CITY, FL | 14 | $ 2,820,000 | $ 201,000 | $ 114,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 14 | $ 3,420,000 | $ 244,000 | $ 98,000 |
| CLARKSVILLE, TN-KY | 13 | $ 2,105,000 | $ 173,500 | $ 74,500 |
| ERIE, PA | 13 | $ 1,575,000 | $ 121,000 | $ 62,000 |
| LANSING-EAST LANSING, MI | 13 | $ 2,185,000 | $ 168,000 | $ 113,000 |
| LIMA, OH | 13 | $ 1,405,000 | $ 108,000 | $ 112,000 |
| ANN ARBOR, MI | 12 | $ 1,860,000 | $ 155,000 | $ 82,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 12 | $ 1,630,000 | $ 135,000 | $ 122,000 |
| BOWLING GREEN, KY | 12 | $ 2,000,000 | $ 166,000 | $ 154,000 |
| CLEVELAND, TN | 12 | $ 1,550,000 | $ 129,000 | $ 75,000 |
| DALTON, GA | 12 | $ 1,520,000 | $ 126,000 | $ 87,000 |
| FORT WAYNE, IN | 12 | $ 1,160,000 | $ 96,000 | $ 101,000 |
| HAMMOND, LA | 12 | $ 1,820,000 | $ 151,000 | $ 95,000 |
| MONROE, MI | 12 | $ 1,270,000 | $ 105,000 | $ 68,000 |
| SPRINGFIELD, OH | 12 | $ 1,900,000 | $ 158,000 | $ 70,000 |
| WARNER ROBINS, GA | 12 | $ 2,090,000 | $ 174,000 | $ 100,000 |
| CALIFORNIA-LEXINGTON PARK, MD | 11 | $ 2,215,000 | $ 201,000 | $ 108,000 |
| ELIZABETHTOWN-FORT KNOX, KY | 11 | $ 1,935,000 | $ 175,000 | $ 92,000 |
| MACON-BIBB COUNTY, GA | 11 | $ 1,525,000 | $ 138,000 | $ 82,000 |
| MADISON, WI | 11 | $ 1,985,000 | $ 180,000 | $ 91,000 |
| MODESTO, CA | 11 | $ 2,335,000 | $ 212,000 | $ 82,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 11 | $ 4,505,000 | $ 409,000 | $ 127,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 11 | $ 1,285,000 | $ 120,500 | $ 75,500 |
| TUSCALOOSA, AL | 11 | $ 1,375,000 | $ 125,000 | $ 87,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 10 | $ 830,000 | $ 83,000 | $ 76,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 10 | $ 1,380,000 | $ 138,000 | $ 82,000 |
| KANSAS CITY, MO-KS | 10 | $ 2,240,000 | $ 224,000 | $ 139,000 |
| PEORIA, IL | 10 | $ 1,020,000 | $ 102,000 | $ 139,000 |
| VINELAND-BRIDGETON, NJ | 10 | $ 1,240,000 | $ 124,000 | $ 110,000 |
| BOULDER, CO | 9 | $ 2,345,000 | $ 260,000 | $ 106,000 |
| DECATUR, AL | 9 | $ 1,115,000 | $ 123,000 | $ 64,000 |
| GETTYSBURG, PA | 9 | $ 1,685,000 | $ 187,000 | $ 86,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 9 | $ 5,345,000 | $ 593,000 | $ 182,000 |
| VISALIA-PORTERVILLE, CA | 9 | $ 1,635,000 | $ 181,000 | $ 69,000 |
| BAY CITY, MI | 8 | $ 1,270,000 | $ 158,000 | $ 77,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 8 | $ 1,530,000 | $ 191,000 | $ 79,000 |
| GREEN BAY, WI | 8 | $ 810,000 | $ 101,000 | $ 71,000 |
| GREENVILLE, NC | 8 | $ 990,000 | $ 123,000 | $ 45,000 |
| MANSFIELD, OH | 8 | $ 950,000 | $ 118,000 | $ 80,000 |
| MUNCIE, IN | 8 | $ 860,000 | $ 107,000 | $ 93,000 |
| WINCHESTER, VA-WV | 8 | $ 2,320,000 | $ 290,000 | $ 74,000 |
| ALBANY, GA | 7 | $ 1,035,000 | $ 147,000 | $ 111,000 |
| ALEXANDRIA, LA | 7 | $ 965,000 | $ 137,000 | $ 59,000 |
| CHAMPAIGN-URBANA, IL | 7 | $ 855,000 | $ 122,000 | $ 93,000 |
| JACKSON, MI | 7 | $ 555,000 | $ 79,000 | $ 55,000 |
| LAKE CHARLES, LA | 7 | $ 1,345,000 | $ 192,000 | $ 131,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 7 | $ 775,000 | $ 110,000 | $ 81,000 |
| MORRISTOWN, TN | 7 | $ 975,000 | $ 139,000 | $ 89,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 7 | $ 3,795,000 | $ 542,000 | $ 197,000 |
| VALLEJO-FAIRFIELD, CA | 7 | $ 1,835,000 | $ 262,000 | $ 92,000 |
| BLOOMSBURG-BERWICK, PA | 6 | $ 780,000 | $ 130,000 | $ 97,000 |
| CARBONDALE-MARION, IL | 6 | $ 570,000 | $ 95,000 | $ 60,000 |
| JACKSON, TN | 6 | $ 810,000 | $ 135,000 | $ 171,000 |
| RACINE, WI | 6 | $ 740,000 | $ 123,000 | $ 85,000 |
| ROCKY MOUNT, NC | 6 | $ 720,000 | $ 120,000 | $ 100,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 6 | $ 1,300,000 | $ 216,000 | $ 103,000 |
| TERRE HAUTE, IN | 6 | $ 460,000 | $ 76,000 | $ 85,000 |
| VALDOSTA, GA | 6 | $ 730,000 | $ 121,000 | $ 101,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 5 | $ 505,000 | $ 101,000 | $ 79,000 |
| BRUNSWICK, GA | 5 | $ 895,000 | $ 179,000 | $ 72,000 |
| GADSDEN, AL | 5 | $ 705,000 | $ 141,000 | $ 70,000 |
| JOHNSON CITY, TN | 5 | $ 475,000 | $ 95,000 | $ 44,000 |
| KALAMAZOO-PORTAGE, MI | 5 | $ 665,000 | $ 133,000 | $ 100,000 |
| LEBANON, PA | 5 | $ 815,000 | $ 163,000 | $ 90,000 |
| MONROE, LA | 5 | $ 765,000 | $ 153,000 | $ 92,000 |
| OCEAN CITY, NJ | 5 | $ 715,000 | $ 143,000 | $ 81,000 |
| PUEBLO, CO | 5 | $ 755,000 | $ 151,000 | $ 143,000 |
| STAUNTON-WAYNESBORO, VA | 5 | $ 895,000 | $ 179,000 | $ 68,000 |
| AUSTIN-ROUND ROCK, TX | 4 | $ 910,000 | $ 227,000 | $ 80,000 |
| BATTLE CREEK, MI | 4 | $ 400,000 | $ 100,000 | $ 71,000 |
| BLOOMINGTON, IL | 4 | $ 420,000 | $ 105,000 | $ 114,000 |
| COLUMBUS, IN | 4 | $ 780,000 | $ 195,000 | $ 291,000 |
| EUGENE, OR | 4 | $ 870,000 | $ 217,000 | $ 100,000 |
| FLINT, MI | 4 | $ 540,000 | $ 135,000 | $ 60,000 |
| HANFORD-CORCORAN, CA | 4 | $ 870,000 | $ 217,000 | $ 73,000 |
| KANKAKEE, IL | 4 | $ 680,000 | $ 170,000 | $ 60,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 4 | $ 1,510,000 | $ 377,500 | $ 71,000 |
| LAFAYETTE-WEST LAFAYETTE, IN | 4 | $ 380,000 | $ 95,000 | $ 52,000 |
| MEDFORD, OR | 4 | $ 830,000 | $ 207,000 | $ 50,000 |
| MIDLAND, MI | 4 | $ 490,000 | $ 122,000 | $ 73,000 |
| SAGINAW, MI | 4 | $ 330,000 | $ 82,000 | $ 60,000 |
| SALINAS, CA | 4 | $ 960,000 | $ 240,000 | $ 114,000 |
| SEBRING, FL | 4 | $ 440,000 | $ 110,000 | $ 56,000 |
| SUMTER, SC | 4 | $ 520,000 | $ 130,000 | $ 97,000 |
| WILLIAMSPORT, PA | 4 | $ 540,000 | $ 135,000 | $ 56,000 |
| ALBANY, OR | 3 | $ 565,000 | $ 188,000 | $ 97,000 |
| CHICO, CA | 3 | $ 335,000 | $ 111,000 | $ 60,000 |
| EAU CLAIRE, WI | 3 | $ 345,000 | $ 115,000 | $ 124,000 |
| GRANTS PASS, OR | 3 | $ 365,000 | $ 121,000 | $ 97,000 |
| HINESVILLE, GA | 3 | $ 425,000 | $ 141,000 | $ 97,000 |
| JANESVILLE-BELOIT, WI | 3 | $ 325,000 | $ 108,000 | $ 65,000 |
| MADERA, CA | 3 | $ 415,000 | $ 138,000 | $ 90,000 |
| MICHIGAN CITY-LA PORTE, IN | 3 | $ 245,000 | $ 81,000 | $ 90,000 |
| ROME, GA | 3 | $ 305,000 | $ 101,000 | $ 45,000 |
| SAN RAFAEL, CA | 3 | $ 1,865,000 | $ 621,000 | $ 277,000 |
| SANTA CRUZ-WATSONVILLE, CA | 3 | $ 875,000 | $ 291,000 | $ 103,000 |
| SANTA ROSA, CA | 3 | $ 1,155,000 | $ 385,000 | $ 140,000 |
| SPRINGFIELD, IL | 3 | $ 645,000 | $ 215,000 | $ 339,000 |
| THE VILLAGES, FL | 3 | $ 425,000 | $ 141,000 | $ 61,000 |
| WAUSAU, WI | 3 | $ 265,000 | $ 88,000 | $ 51,000 |
| WHEELING, WV-OH | 3 | $ 315,000 | $ 105,000 | $ 59,000 |
| YUBA CITY, CA | 3 | $ 505,000 | $ 168,000 | $ 112,000 |
| APPLETON, WI | 2 | $ 420,000 | $ 210,000 | $ 119,000 |
| BLOOMINGTON, IN | 2 | $ 370,000 | $ 185,000 | $ 53,000 |
| CUMBERLAND, MD-WV | 2 | $ 520,000 | $ 260,000 | $ 209,500 |
| DOTHAN, AL | 2 | $ 210,000 | $ 105,000 | $ 27,000 |
| HARRISONBURG, VA | 2 | $ 330,000 | $ 165,000 | $ 67,000 |
| LAWRENCE, KS | 2 | $ 260,000 | $ 130,000 | $ 105,000 |
| MERCED, CA | 2 | $ 360,000 | $ 180,000 | $ 17,000 |
| MORGANTOWN, WV | 2 | $ 490,000 | $ 245,000 | $ 51,000 |
| MUSKEGON, MI | 2 | $ 290,000 | $ 145,000 | $ 61,000 |
| NEW BERN, NC | 2 | $ 490,000 | $ 245,000 | $ 72,000 |
| OSHKOSH-NEENAH, WI | 2 | $ 250,000 | $ 125,000 | $ 66,000 |
| REDDING, CA | 2 | $ 630,000 | $ 315,000 | $ 128,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 2 | $ 760,000 | $ 380,000 | $ 131,000 |
| SANTA MARIA-SANTA BARBARA, CA | 2 | $ 860,000 | $ 430,000 | $ 165,000 |
| SHEBOYGAN, WI | 2 | $ 190,000 | $ 95,000 | $ 110,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 2 | $ 250,000 | $ 125,000 | $ 119,000 |
| ABILENE, TX | 1 | $ 265,000 | $ 265,000 | $ 134,000 |
| BEAUMONT-PORT ARTHUR, TX | 1 | $ 165,000 | $ 165,000 | $ 191,000 |
| BROWNSVILLE-HARLINGEN, TX | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| CORPUS CHRISTI, TX | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| CORVALLIS, OR | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
| DANVILLE, IL | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| DECATUR, IL | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| GOLDSBORO, NC | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| LONGVIEW, TX | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| MIDLAND, TX | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| NAPA, CA | 1 | $ 455,000 | $ 455,000 | $ 328,000 |
| ODESSA, TX | 1 | $ 195,000 | $ 195,000 | $ 125,000 |
| OWENSBORO, KY | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| PARKERSBURG-VIENNA, WV | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| SHERMAN-DENISON, TX | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| TEXARKANA, TX-AR | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| TOPEKA, KS | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| TYLER, TX | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| WACO, TX | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| WICHITA FALLS, TX | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| WICHITA, KS | 1 | $ 45,000 | $ 45,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Lower, Llc in 2018
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 |
|---|---|---|---|---|---|---|
| Refinancing | 7,390 | $1,205,850,000 | $163,000 | $2,545,000 | $107,000 | $1,200,000 |
| Home Purchase | 5,257 | $1,075,485,000 | $204,000 | $2,005,000 | $86,000 | $1,500,000 |
| Cash-out Refinancing | 2,197 | $446,375,000 | $203,000 | $1,855,000 | $80,000 | $853,000 |
| Home Improvement | 1 | $175,000 | $175,000 | $175,000 | $116,000 | $116,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 9,856 | $1,736,990,000 | $176,000 | $1,995,000 | $97,000 | $1,500,000 |
| Not Provided | 1,959 | $382,805,000 | $195,000 | $2,405,000 | $102,000 | $878,000 |
| Black or African American | 1,603 | $305,145,000 | $190,000 | $1,065,000 | $84,000 | $682,000 |
| Hispanic | 944 | $191,890,000 | $203,000 | $2,545,000 | $80,000 | $656,000 |
| Asian | 411 | $97,125,000 | $236,000 | $1,295,000 | $107,000 | $562,000 |
| American Indian or Alaskan Native | 52 | $10,300,000 | $198,000 | $675,000 | $88,000 | $314,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $2,985,000 | $175,000 | $345,000 | $156,000 | $545,000 |
| 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) | 10,838 | $1,937,120,000 | $178,000 | $2,545,000 | $105,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 2,810 | $515,770,000 | $183,000 | $835,000 | $66,000 | $682,000 |
| VA-guaranteed (Veterans Administration) | 1,009 | $244,985,000 | $242,000 | $1,165,000 | $82,000 | $595,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 188 | $30,010,000 | $159,000 | $405,000 | $56,000 | $241,000 |
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 | 7,272 | $1,363,730,000 | $187,000 | $1,855,000 | $96,000 | $878,000 |
| Application Withdrawn By Applicant | 5,295 | $943,325,000 | $178,000 | $2,005,000 | $96,000 | $1,200,000 |
| Application Denied By Financial Institution | 1,584 | $292,640,000 | $184,000 | $2,545,000 | $87,000 | $1,500,000 |
| File Closed For Incompleteness | 557 | $103,735,000 | $186,000 | $2,405,000 | $108,000 | $1,000,000 |
| Application Approved But Not Accepted | 137 | $24,455,000 | $178,000 | $675,000 | $105,000 | $420,000 |
| 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 | 13,261 | $2,435,245,000 | $183,000 | $2,405,000 | $97,000 | $1,200,000 |
| Credit Application Incomplete | 564 | $103,250,000 | $183,000 | $875,000 | $96,000 | $682,000 |
| Collateral | 331 | $55,575,000 | $167,000 | $715,000 | $96,000 | $1,500,000 |
| Debt-To-Income Ratio | 291 | $59,555,000 | $204,000 | $2,545,000 | $70,000 | $921,000 |
| Credit History | 180 | $34,140,000 | $189,000 | $585,000 | $75,000 | $251,000 |
| Other | 80 | $12,900,000 | $161,000 | $925,000 | $76,000 | $656,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 77 | $16,065,000 | $208,000 | $935,000 | $97,000 | $400,000 |
| Employment History | 50 | $8,810,000 | $176,000 | $425,000 | $66,000 | $226,000 |
| Unverifiable Information | 11 | $2,345,000 | $213,000 | $515,000 | $80,000 | $147,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lower, Llc's 2018 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.