Lower, LLC Mortgage Lending & HMDA Data, 2018
In 2018, Lower, LLC of Columbia, MD reported 14,845 mortgage applications totaling $2.7 billion, up 58% from 2017. The average application was for $183,757, and applicants reported an average income of $95,568. 49% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,015), Columbus, OH (811) and Atlanta-Sandy Springs-Roswell, GA (782) (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 | 14,845 |
| Total Mortgage Loan Application Amount | $2,727,885,000 |
| Average Mortgage Loan Application Amount | $183,757 |
| Highest Mortgage Loan Application Amount | $2,545,000 |
| Average Applicant Income | $95,568 |
| Highest Applicant Income | $1,500,000 |
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Act (HMDA) records Lower, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,228 | $ 186,060,000 | $ 151,514 | $ 81,528 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,015 | $ 301,175,000 | $ 296,724 | $ 111,254 |
| Columbus, OH | 811 | $ 136,535,000 | $ 168,353 | $ 82,000 |
| Atlanta-Sandy Springs-Roswell, GA | 782 | $ 132,740,000 | $ 169,744 | $ 103,000 |
| Raleigh, NC | 609 | $ 129,155,000 | $ 212,077 | $ 89,000 |
| Charlotte-Concord-Gastonia, NC-SC | 513 | $ 97,955,000 | $ 190,945 | $ 101,851 |
| Baltimore-Columbia-Towson, MD | 410 | $ 88,920,000 | $ 216,878 | $ 96,000 |
| Akron, OH | 357 | $ 47,185,000 | $ 132,170 | $ 76,000 |
| Tampa-St. Petersburg-Clearwater, FL | 331 | $ 54,275,000 | $ 163,972 | $ 98,000 |
| Cleveland-Elyria, OH | 316 | $ 46,730,000 | $ 147,879 | $ 95,000 |
| Canton-Massillon, OH | 291 | $ 39,655,000 | $ 136,271 | $ 69,000 |
| Chicago-Naperville-Arlington Heights, IL | 283 | $ 45,965,000 | $ 162,420 | $ 103,000 |
| Cincinnati, OH-KY-IN | 262 | $ 40,180,000 | $ 153,358 | $ 91,839 |
| Denver-Aurora-Lakewood, CO | 205 | $ 45,465,000 | $ 221,780 | $ 108,000 |
| Durham-Chapel Hill, NC | 194 | $ 36,640,000 | $ 188,865 | $ 92,000 |
| Orlando-Kissimmee-Sanford, FL | 194 | $ 34,970,000 | $ 180,257 | $ 101,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 181 | $ 32,275,000 | $ 178,314 | $ 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 | $ 227,559 | $ 126,000 |
| Newark, NJ-PA | 146 | $ 31,810,000 | $ 217,876 | $ 145,746 |
| Miami-Miami Beach-Kendall, FL | 143 | $ 29,815,000 | $ 208,496 | $ 106,000 |
| Hickory-Lenoir-Morganton, NC | 139 | $ 23,275,000 | $ 167,446 | $ 71,000 |
| Pittsburgh, PA | 133 | $ 20,295,000 | $ 152,593 | $ 102,000 |
| Montgomery County-Bucks County-Chester County, PA | 129 | $ 29,035,000 | $ 225,077 | $ 120,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 128 | $ 25,200,000 | $ 196,875 | $ 89,500 |
| Indianapolis-Carmel-Anderson, IN | 123 | $ 15,425,000 | $ 125,406 | $ 96,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 122 | $ 26,040,000 | $ 213,442 | $ 110,000 |
| Warren-Troy-Farmington Hills, MI | 119 | $ 20,245,000 | $ 170,126 | $ 96,000 |
| Greenville-Anderson-Mauldin, SC | 117 | $ 17,775,000 | $ 151,923 | $ 92,000 |
| Mobile, AL | 116 | $ 13,510,000 | $ 116,465 | $ 61,000 |
| Wilmington, NC | 116 | $ 25,490,000 | $ 219,741 | $ 97,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 115 | $ 23,935,000 | $ 208,130 | $ 119,000 |
| Jacksonville, FL | 112 | $ 18,240,000 | $ 162,857 | $ 95,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 112 | $ 19,060,000 | $ 170,178 | $ 88,392 |
| Louisville/Jefferson County, KY-IN | 108 | $ 14,710,000 | $ 136,203 | $ 93,250 |
| Richmond, VA | 105 | $ 20,525,000 | $ 195,476 | $ 108,000 |
| Birmingham-Hoover, AL | 100 | $ 14,850,000 | $ 148,500 | $ 95,000 |
| Dallas-Plano-Irving, TX | 93 | $ 26,125,000 | $ 280,913 | $ 117,000 |
| Camden, NJ | 91 | $ 15,805,000 | $ 173,681 | $ 134,000 |
| Charleston-North Charleston, SC | 89 | $ 16,655,000 | $ 187,134 | $ 122,000 |
| Asheville, NC | 85 | $ 18,705,000 | $ 220,058 | $ 98,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 81 | $ 11,735,000 | $ 144,876 | $ 91,000 |
| New Orleans-Metairie, LA | 81 | $ 12,725,000 | $ 157,098 | $ 98,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 79 | $ 11,075,000 | $ 140,189 | $ 89,784 |
| Riverside-San Bernardino-Ontario, CA | 77 | $ 20,855,000 | $ 270,844 | $ 122,000 |
| Port St. Lucie, FL | 71 | $ 12,355,000 | $ 174,014 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 70 | $ 29,350,000 | $ 419,285 | $ 140,000 |
| Columbia, SC | 66 | $ 10,070,000 | $ 152,575 | $ 82,000 |
| Philadelphia, PA | 65 | $ 10,275,000 | $ 158,076 | $ 76,000 |
| Dayton, OH | 64 | $ 7,870,000 | $ 122,968 | $ 94,000 |
| East Stroudsburg, PA | 61 | $ 8,475,000 | $ 138,934 | $ 80,000 |
| North Port-Sarasota-Bradenton, FL | 61 | $ 11,055,000 | $ 181,229 | $ 103,000 |
| Greensboro-High Point, NC | 60 | $ 8,980,000 | $ 149,666 | $ 81,000 |
| Memphis, TN-MS-AR | 58 | $ 8,330,000 | $ 143,620 | $ 90,000 |
| Milwaukee-Waukesha-West Allis, WI | 58 | $ 8,650,000 | $ 149,137 | $ 125,000 |
| Cape Coral-Fort Myers, FL | 57 | $ 8,555,000 | $ 150,087 | $ 77,000 |
| Knoxville, TN | 56 | $ 8,140,000 | $ 145,357 | $ 80,000 |
| Lakeland-Winter Haven, FL | 54 | $ 7,090,000 | $ 131,296 | $ 84,000 |
| Salisbury, MD-DE | 53 | $ 9,615,000 | $ 181,415 | $ 98,641 |
| Wilmington, DE-MD-NJ | 51 | $ 7,795,000 | $ 152,843 | $ 87,137 |
| Elgin, IL | 47 | $ 7,415,000 | $ 157,765 | $ 100,000 |
| Augusta-Richmond County, GA-SC | 46 | $ 6,390,000 | $ 138,913 | $ 86,304 |
| Gary, IN | 44 | $ 5,530,000 | $ 125,681 | $ 94,000 |
| Athens-Clarke County, GA | 43 | $ 7,755,000 | $ 180,348 | $ 92,000 |
| Daphne-Fairhope-Foley, AL | 43 | $ 6,355,000 | $ 147,790 | $ 77,000 |
| Palm Bay-Melbourne-Titusville, FL | 43 | $ 6,295,000 | $ 146,395 | $ 72,000 |
| Spartanburg, SC | 43 | $ 5,475,000 | $ 127,325 | $ 92,000 |
| Colorado Springs, CO | 41 | $ 7,335,000 | $ 178,902 | $ 88,000 |
| Lake County-Kenosha County, IL-WI | 40 | $ 7,240,000 | $ 181,000 | $ 106,200 |
| Shreveport-Bossier City, LA | 40 | $ 7,930,000 | $ 198,250 | $ 108,000 |
| Oakland-Hayward-Berkeley, CA | 39 | $ 16,565,000 | $ 424,743 | $ 142,000 |
| Chattanooga, TN-GA | 38 | $ 4,070,000 | $ 107,105 | $ 66,657 |
| Fort Worth-Arlington, TX | 38 | $ 9,080,000 | $ 238,947 | $ 120,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 38 | $ 12,060,000 | $ 317,368 | $ 113,000 |
| Toledo, OH | 38 | $ 4,790,000 | $ 126,052 | $ 99,000 |
| Baton Rouge, LA | 36 | $ 6,440,000 | $ 178,888 | $ 104,000 |
| Detroit-Dearborn-Livonia, MI | 35 | $ 4,175,000 | $ 119,285 | $ 78,000 |
| Lexington-Fayette, KY | 35 | $ 4,605,000 | $ 131,571 | $ 76,000 |
| Grand Rapids-Wyoming, MI | 34 | $ 4,460,000 | $ 131,176 | $ 111,000 |
| Winston-Salem, NC | 34 | $ 5,110,000 | $ 150,294 | $ 65,000 |
| Harrisburg-Carlisle, PA | 33 | $ 4,935,000 | $ 149,545 | $ 100,000 |
| Pensacola-Ferry Pass-Brent, FL | 33 | $ 5,175,000 | $ 156,818 | $ 77,000 |
| State College, PA | 32 | $ 6,940,000 | $ 216,875 | $ 97,000 |
| Lancaster, PA | 31 | $ 4,375,000 | $ 141,129 | $ 97,000 |
| Greeley, CO | 30 | $ 5,360,000 | $ 178,666 | $ 87,000 |
| Tallahassee, FL | 30 | $ 4,090,000 | $ 136,333 | $ 73,000 |
| Huntsville, AL | 29 | $ 3,205,000 | $ 110,517 | $ 93,000 |
| Ocala, FL | 29 | $ 3,645,000 | $ 125,689 | $ 65,000 |
| Salem, OR | 29 | $ 6,495,000 | $ 223,965 | $ 73,000 |
| Jacksonville, NC | 28 | $ 5,390,000 | $ 192,500 | $ 96,000 |
| Roanoke, VA | 28 | $ 3,440,000 | $ 122,857 | $ 84,000 |
| Youngstown-Warren-Boardman, OH-PA | 28 | $ 3,500,000 | $ 125,000 | $ 62,071 |
| Crestview-Fort Walton Beach-Destin, FL | 27 | $ 4,365,000 | $ 161,666 | $ 95,000 |
| San Diego-Carlsbad, CA | 27 | $ 10,435,000 | $ 386,481 | $ 152,000 |
| St. Louis, MO-IL | 27 | $ 3,775,000 | $ 139,814 | $ 129,000 |
| Gainesville, GA | 26 | $ 3,920,000 | $ 150,769 | $ 86,000 |
| Houma-Thibodaux, LA | 26 | $ 3,720,000 | $ 143,076 | $ 103,000 |
| Huntington-Ashland, WV-KY-OH | 26 | $ 3,040,000 | $ 116,923 | $ 61,192 |
| Lynchburg, VA | 26 | $ 3,470,000 | $ 133,461 | $ 82,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 26 | $ 3,300,000 | $ 126,923 | $ 91,000 |
| Burlington, NC | 25 | $ 4,405,000 | $ 176,200 | $ 85,000 |
| Bakersfield, CA | 24 | $ 5,530,000 | $ 230,416 | $ 105,000 |
| Columbus, GA-AL | 24 | $ 2,970,000 | $ 123,750 | $ 81,250 |
| Johnstown, PA | 24 | $ 1,680,000 | $ 70,000 | $ 46,000 |
| York-Hanover, PA | 24 | $ 3,710,000 | $ 154,583 | $ 90,000 |
| Fayetteville, NC | 23 | $ 2,635,000 | $ 114,565 | $ 62,000 |
| Punta Gorda, FL | 23 | $ 2,865,000 | $ 124,565 | $ 76,000 |
| Savannah, GA | 23 | $ 3,445,000 | $ 149,782 | $ 115,000 |
| Montgomery, AL | 20 | $ 2,060,000 | $ 103,000 | $ 71,000 |
| Naples-Immokalee-Marco Island, FL | 20 | $ 5,390,000 | $ 269,500 | $ 143,000 |
| Auburn-Opelika, AL | 19 | $ 2,475,000 | $ 130,263 | $ 60,000 |
| Charlottesville, VA | 19 | $ 3,795,000 | $ 199,736 | $ 133,000 |
| Dover, DE | 19 | $ 3,505,000 | $ 184,473 | $ 86,000 |
| Fresno, CA | 19 | $ 4,305,000 | $ 226,578 | $ 85,000 |
| Grand Junction, CO | 19 | $ 2,705,000 | $ 142,368 | $ 60,000 |
| Reading, PA | 19 | $ 2,345,000 | $ 123,421 | $ 80,000 |
| Stockton-Lodi, CA | 19 | $ 5,695,000 | $ 299,736 | $ 75,000 |
| Anaheim-Santa Ana-Irvine, CA | 18 | $ 8,760,000 | $ 486,666 | $ 155,000 |
| Fort Collins, CO | 18 | $ 3,450,000 | $ 191,666 | $ 101,000 |
| Hagerstown-Martinsburg, MD-WV | 18 | $ 2,850,000 | $ 158,333 | $ 88,555 |
| Houston-The Woodlands-Sugar Land, TX | 18 | $ 3,960,000 | $ 220,000 | $ 119,000 |
| Trenton, NJ | 17 | $ 3,565,000 | $ 209,705 | $ 193,000 |
| Evansville, IN-KY | 16 | $ 1,470,000 | $ 91,875 | $ 65,687 |
| Florence, SC | 16 | $ 2,400,000 | $ 150,000 | $ 79,000 |
| Homosassa Springs, FL | 16 | $ 2,060,000 | $ 128,750 | $ 75,000 |
| Sebastian-Vero Beach, FL | 16 | $ 2,580,000 | $ 161,250 | $ 81,000 |
| Anniston-Oxford-Jacksonville, AL | 15 | $ 1,755,000 | $ 117,000 | $ 86,000 |
| Gainesville, FL | 15 | $ 2,465,000 | $ 164,333 | $ 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 | $ 123,571 | $ 52,000 |
| Elkhart-Goshen, IN | 14 | $ 1,770,000 | $ 126,428 | $ 53,000 |
| Florence-Muscle Shoals, AL | 14 | $ 1,680,000 | $ 120,000 | $ 79,000 |
| Panama City, FL | 14 | $ 2,820,000 | $ 201,428 | $ 114,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 3,420,000 | $ 244,285 | $ 98,000 |
| Clarksville, TN-KY | 13 | $ 2,105,000 | $ 161,923 | $ 72,769 |
| Erie, PA | 13 | $ 1,575,000 | $ 121,153 | $ 62,000 |
| Lansing-East Lansing, MI | 13 | $ 2,185,000 | $ 168,076 | $ 113,000 |
| Lima, OH | 13 | $ 1,405,000 | $ 108,076 | $ 112,000 |
| Ann Arbor, MI | 12 | $ 1,860,000 | $ 155,000 | $ 82,000 |
| Atlantic City-Hammonton, NJ | 12 | $ 1,630,000 | $ 135,833 | $ 122,000 |
| Bowling Green, KY | 12 | $ 2,000,000 | $ 166,666 | $ 154,000 |
| Cleveland, TN | 12 | $ 1,550,000 | $ 129,166 | $ 75,000 |
| Dalton, GA | 12 | $ 1,520,000 | $ 126,666 | $ 87,000 |
| Fort Wayne, IN | 12 | $ 1,160,000 | $ 96,666 | $ 101,000 |
| Hammond, LA | 12 | $ 1,820,000 | $ 151,666 | $ 95,000 |
| Monroe, MI | 12 | $ 1,270,000 | $ 105,833 | $ 68,000 |
| Springfield, OH | 12 | $ 1,900,000 | $ 158,333 | $ 70,000 |
| Warner Robins, GA | 12 | $ 2,090,000 | $ 174,166 | $ 100,000 |
| California-Lexington Park, MD | 11 | $ 2,215,000 | $ 201,363 | $ 108,000 |
| Elizabethtown-Fort Knox, KY | 11 | $ 1,935,000 | $ 175,909 | $ 92,000 |
| Macon-Bibb County, GA | 11 | $ 1,525,000 | $ 138,636 | $ 82,000 |
| Madison, WI | 11 | $ 1,985,000 | $ 180,454 | $ 91,000 |
| Modesto, CA | 11 | $ 2,335,000 | $ 212,272 | $ 82,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 11 | $ 4,505,000 | $ 409,545 | $ 127,000 |
| South Bend-Mishawaka, IN-MI | 11 | $ 1,285,000 | $ 116,818 | $ 79,181 |
| 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 | $ 260,555 | $ 106,000 |
| Decatur, AL | 9 | $ 1,115,000 | $ 123,888 | $ 64,000 |
| Gettysburg, PA | 9 | $ 1,685,000 | $ 187,222 | $ 86,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 5,345,000 | $ 593,888 | $ 182,000 |
| Visalia-Porterville, CA | 9 | $ 1,635,000 | $ 181,666 | $ 69,000 |
| Bay City, MI | 8 | $ 1,270,000 | $ 158,750 | $ 77,000 |
| Chambersburg-Waynesboro, PA | 8 | $ 1,530,000 | $ 191,250 | $ 79,000 |
| Green Bay, WI | 8 | $ 810,000 | $ 101,250 | $ 71,000 |
| Greenville, NC | 8 | $ 990,000 | $ 123,750 | $ 45,000 |
| Mansfield, OH | 8 | $ 950,000 | $ 118,750 | $ 80,000 |
| Muncie, IN | 8 | $ 860,000 | $ 107,500 | $ 93,000 |
| Winchester, VA-WV | 8 | $ 2,320,000 | $ 290,000 | $ 74,000 |
| Albany, GA | 7 | $ 1,035,000 | $ 147,857 | $ 111,000 |
| Alexandria, LA | 7 | $ 965,000 | $ 137,857 | $ 59,000 |
| Champaign-Urbana, IL | 7 | $ 855,000 | $ 122,142 | $ 93,000 |
| Jackson, MI | 7 | $ 555,000 | $ 79,285 | $ 55,000 |
| Lake Charles, LA | 7 | $ 1,345,000 | $ 192,142 | $ 131,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 775,000 | $ 110,714 | $ 81,000 |
| Morristown, TN | 7 | $ 975,000 | $ 139,285 | $ 89,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 3,795,000 | $ 542,142 | $ 197,000 |
| Vallejo-Fairfield, CA | 7 | $ 1,835,000 | $ 262,142 | $ 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 | $ 123,333 | $ 85,000 |
| Rocky Mount, NC | 6 | $ 720,000 | $ 120,000 | $ 100,000 |
| San Antonio-New Braunfels, TX | 6 | $ 1,300,000 | $ 216,666 | $ 103,000 |
| Terre Haute, IN | 6 | $ 460,000 | $ 76,666 | $ 85,000 |
| Valdosta, GA | 6 | $ 730,000 | $ 121,666 | $ 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 | $ 227,500 | $ 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 | $ 217,500 | $ 100,000 |
| Flint, MI | 4 | $ 540,000 | $ 135,000 | $ 60,000 |
| Hanford-Corcoran, CA | 4 | $ 870,000 | $ 217,500 | $ 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 | $ 207,500 | $ 50,000 |
| Midland, MI | 4 | $ 490,000 | $ 122,500 | $ 73,000 |
| Saginaw, MI | 4 | $ 330,000 | $ 82,500 | $ 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 | $ 188,333 | $ 97,000 |
| Chico, CA | 3 | $ 335,000 | $ 111,666 | $ 60,000 |
| Eau Claire, WI | 3 | $ 345,000 | $ 115,000 | $ 124,000 |
| Grants Pass, OR | 3 | $ 365,000 | $ 121,666 | $ 97,000 |
| Hinesville, GA | 3 | $ 425,000 | $ 141,666 | $ 97,000 |
| Janesville-Beloit, WI | 3 | $ 325,000 | $ 108,333 | $ 65,000 |
| Madera, CA | 3 | $ 415,000 | $ 138,333 | $ 90,000 |
| Michigan City-La Porte, IN | 3 | $ 245,000 | $ 81,666 | $ 90,000 |
| Rome, GA | 3 | $ 305,000 | $ 101,666 | $ 45,000 |
| San Rafael, CA | 3 | $ 1,865,000 | $ 621,666 | $ 277,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 875,000 | $ 291,666 | $ 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 | $ 141,666 | $ 61,000 |
| Wausau, WI | 3 | $ 265,000 | $ 88,333 | $ 51,000 |
| Wheeling, WV-OH | 3 | $ 315,000 | $ 105,000 | $ 59,000 |
| Yuba City, CA | 3 | $ 505,000 | $ 168,333 | $ 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.
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