Lower, LLC Mortgage Lending & HMDA Data, 2020
In 2020, Lower, LLC of Columbia, MD reported 33,572 mortgage applications totaling $8.5 billion, up 102% from 2019. The average application was for $254,122, and applicants reported an average income of $115,840. 60% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (2,903), Chicago-Naperville, IL (2,740) and Columbus, OH (1,289) (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 | 33,572 |
| Total Mortgage Loan Application Amount | $8,531,400,000 |
| Average Mortgage Loan Application Amount | $254,122 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $115,840 |
| Highest Applicant Income | $2,922,000 |
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Act (HMDA) records Lower, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2,903 | $ 1,028,455,000 | $ 354,273 | $ 118,253 |
| Chicago-Naperville, IL | 2,740 | $ 678,990,000 | $ 247,806 | $ 124,000 |
| Outside any metro area | 1,970 | $ 395,370,000 | $ 200,695 | $ 103,867 |
| Columbus, OH | 1,289 | $ 287,605,000 | $ 223,122 | $ 104,000 |
| Raleigh, NC | 857 | $ 242,205,000 | $ 282,619 | $ 122,000 |
| Atlanta-Sandy Springs-Roswell, GA | 831 | $ 186,525,000 | $ 224,458 | $ 119,000 |
| Charlotte-Concord-Gastonia, NC-SC | 722 | $ 179,290,000 | $ 248,324 | $ 114,994 |
| Baltimore-Columbia-Towson, MD | 710 | $ 191,740,000 | $ 270,056 | $ 111,000 |
| Davenport-Moline-Rock Island, IA-IL | 691 | $ 148,915,000 | $ 215,506 | $ 99,868 |
| Dallas-Plano-Irving, TX | 677 | $ 210,705,000 | $ 311,233 | $ 120,000 |
| Greenville-Anderson-Mauldin, SC | 547 | $ 119,565,000 | $ 218,583 | $ 88,000 |
| Elgin, IL | 546 | $ 123,600,000 | $ 226,373 | $ 118,000 |
| Spokane-Spokane Valley, WA | 539 | $ 144,085,000 | $ 267,319 | $ 105,000 |
| Washington-Baltimore-Arlington, DC | 513 | $ 180,775,000 | $ 352,387 | $ 126,000 |
| Tampa-St. Petersburg-Clearwater, FL | 492 | $ 107,000,000 | $ 217,479 | $ 124,000 |
| Phoenix-Mesa-Scottsdale, AZ | 436 | $ 102,240,000 | $ 234,495 | $ 109,000 |
| Yakima, WA | 432 | $ 101,470,000 | $ 234,884 | $ 87,000 |
| Durham-Chapel Hill, NC | 372 | $ 92,350,000 | $ 248,252 | $ 108,000 |
| Salisbury, MD-DE | 363 | $ 86,995,000 | $ 239,655 | $ 134,801 |
| Orlando-Kissimmee-Sanford, FL | 350 | $ 80,630,000 | $ 230,371 | $ 110,000 |
| Cincinnati, OH-KY-IN | 331 | $ 67,675,000 | $ 204,456 | $ 110,673 |
| Winston-Salem, NC | 327 | $ 61,355,000 | $ 187,629 | $ 84,000 |
| Riverside-San Bernardino-Ontario, CA | 325 | $ 94,155,000 | $ 289,707 | $ 123,000 |
| Los Angeles-Long Beach-Glendale, CA | 320 | $ 134,450,000 | $ 420,156 | $ 148,000 |
| Lake County-Kenosha County, IL-WI | 318 | $ 77,960,000 | $ 245,157 | $ 126,106 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 300 | $ 65,030,000 | $ 216,766 | $ 122,950 |
| Des Moines-West Des Moines, IA | 286 | $ 59,260,000 | $ 207,202 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 276 | $ 75,590,000 | $ 273,876 | $ 131,000 |
| Montgomery County-Bucks County-Chester County, PA | 271 | $ 83,685,000 | $ 308,800 | $ 144,000 |
| Denver-Aurora-Lakewood, CO | 270 | $ 79,010,000 | $ 292,629 | $ 133,000 |
| Wilmington, NC | 259 | $ 65,325,000 | $ 252,220 | $ 121,000 |
| New York-Newark, NY | 243 | $ 65,305,000 | $ 268,744 | $ 131,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 242 | $ 62,010,000 | $ 256,239 | $ 113,223 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 226 | $ 56,530,000 | $ 250,132 | $ 124,000 |
| Greensboro-High Point, NC | 225 | $ 39,645,000 | $ 176,200 | $ 86,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 225 | $ 68,795,000 | $ 305,755 | $ 114,000 |
| Cleveland-Elyria, OH | 224 | $ 42,730,000 | $ 190,758 | $ 121,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 216 | $ 53,810,000 | $ 249,120 | $ 136,722 |
| Richmond, VA | 215 | $ 52,875,000 | $ 245,930 | $ 127,000 |
| Fort Worth-Arlington, TX | 212 | $ 62,680,000 | $ 295,660 | $ 129,000 |
| Jacksonville, FL | 204 | $ 48,560,000 | $ 238,039 | $ 108,000 |
| Newark, NJ-PA | 194 | $ 56,530,000 | $ 291,391 | $ 144,840 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 191 | $ 44,655,000 | $ 233,795 | $ 115,000 |
| Miami-Miami Beach-Kendall, FL | 187 | $ 52,125,000 | $ 278,743 | $ 135,000 |
| Oakland-Hayward-Berkeley, CA | 168 | $ 77,920,000 | $ 463,809 | $ 168,000 |
| San Diego-Carlsbad, CA | 166 | $ 64,380,000 | $ 387,831 | $ 133,000 |
| Seattle-Bellevue-Everett, WA | 163 | $ 59,345,000 | $ 364,079 | $ 134,000 |
| Pittsburgh, PA | 162 | $ 32,650,000 | $ 201,543 | $ 119,000 |
| Gary, IN | 158 | $ 33,140,000 | $ 209,746 | $ 108,000 |
| Kansas City, MO-KS | 158 | $ 34,320,000 | $ 217,215 | $ 117,613 |
| North Port-Sarasota-Bradenton, FL | 154 | $ 39,570,000 | $ 256,948 | $ 121,000 |
| St. Louis, MO-IL | 154 | $ 32,910,000 | $ 213,701 | $ 129,129 |
| Hickory-Lenoir-Morganton, NC | 145 | $ 29,985,000 | $ 206,793 | $ 84,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 145 | $ 40,505,000 | $ 279,344 | $ 135,006 |
| Indianapolis-Carmel-Anderson, IN | 136 | $ 23,730,000 | $ 174,485 | $ 111,000 |
| Anaheim-Santa Ana-Irvine, CA | 132 | $ 58,140,000 | $ 440,454 | $ 150,000 |
| Fayetteville, NC | 132 | $ 31,530,000 | $ 238,863 | $ 96,000 |
| Akron, OH | 129 | $ 24,185,000 | $ 187,480 | $ 104,000 |
| Spartanburg, SC | 129 | $ 24,645,000 | $ 191,046 | $ 74,000 |
| Warren-Troy-Farmington Hills, MI | 127 | $ 24,015,000 | $ 189,094 | $ 104,000 |
| Camden, NJ | 123 | $ 25,045,000 | $ 203,617 | $ 127,000 |
| New York-Jersey City-White Plains, NY-NJ | 122 | $ 41,400,000 | $ 339,344 | $ 181,000 |
| Hartford-West Hartford-East Hartford, CT | 121 | $ 23,915,000 | $ 197,644 | $ 129,000 |
| Lebanon, PA | 117 | $ 17,985,000 | $ 153,717 | $ 65,000 |
| Philadelphia, PA | 113 | $ 23,225,000 | $ 205,530 | $ 105,000 |
| Cape Coral-Fort Myers, FL | 111 | $ 24,445,000 | $ 220,225 | $ 111,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 103 | $ 20,555,000 | $ 199,563 | $ 103,000 |
| Charleston-North Charleston, SC | 100 | $ 25,730,000 | $ 257,300 | $ 122,000 |
| Oklahoma City, OK | 99 | $ 18,705,000 | $ 188,939 | $ 105,000 |
| Columbia, SC | 98 | $ 20,010,000 | $ 204,183 | $ 101,000 |
| Asheville, NC | 96 | $ 20,340,000 | $ 211,875 | $ 92,000 |
| Louisville/Jefferson County, KY-IN | 95 | $ 18,155,000 | $ 191,105 | $ 120,684 |
| Allentown-Bethlehem-Easton, PA-NJ | 93 | $ 17,125,000 | $ 184,139 | $ 109,408 |
| Cambridge-Newton-Framingham, MA | 89 | $ 30,005,000 | $ 337,134 | $ 142,000 |
| Houston-The Woodlands-Sugar Land, TX | 88 | $ 22,700,000 | $ 257,954 | $ 131,000 |
| Bakersfield, CA | 87 | $ 21,755,000 | $ 250,057 | $ 88,000 |
| Milwaukee-Waukesha-West Allis, WI | 87 | $ 21,395,000 | $ 245,919 | $ 131,000 |
| Palm Bay-Melbourne-Titusville, FL | 81 | $ 19,105,000 | $ 235,864 | $ 120,000 |
| Canton-Massillon, OH | 80 | $ 14,390,000 | $ 179,875 | $ 85,000 |
| Lakeland-Winter Haven, FL | 80 | $ 13,570,000 | $ 169,625 | $ 94,000 |
| Wilmington, DE-MD-NJ | 77 | $ 16,095,000 | $ 209,025 | $ 108,675 |
| Bridgeport-Stamford-Norwalk, CT | 76 | $ 24,130,000 | $ 317,500 | $ 171,000 |
| Fresno, CA | 76 | $ 20,380,000 | $ 268,157 | $ 127,000 |
| Birmingham-Hoover, AL | 74 | $ 13,900,000 | $ 187,837 | $ 91,000 |
| Dayton-Springfield-Kettering, OH | 74 | $ 13,500,000 | $ 182,432 | $ 111,000 |
| State College, PA | 73 | $ 17,435,000 | $ 238,835 | $ 111,000 |
| Port St. Lucie, FL | 72 | $ 15,190,000 | $ 210,972 | $ 115,000 |
| Tucson, AZ | 72 | $ 15,060,000 | $ 209,166 | $ 102,000 |
| Stockton-Lodi, CA | 70 | $ 21,190,000 | $ 302,714 | $ 105,000 |
| Boston, MA | 66 | $ 22,630,000 | $ 342,878 | $ 152,000 |
| Knoxville, TN | 64 | $ 11,210,000 | $ 175,156 | $ 111,000 |
| Provo-Orem, UT | 63 | $ 18,905,000 | $ 300,079 | $ 100,000 |
| Worcester, MA-CT | 62 | $ 14,500,000 | $ 233,870 | $ 96,693 |
| Winchester, VA-WV | 60 | $ 14,800,000 | $ 246,666 | $ 77,000 |
| Colorado Springs, CO | 59 | $ 15,225,000 | $ 258,050 | $ 127,000 |
| Toledo, OH | 59 | $ 10,545,000 | $ 178,728 | $ 107,000 |
| New Haven-Milford, CT | 58 | $ 11,440,000 | $ 197,241 | $ 123,000 |
| Naples-Immokalee-Marco Island, FL | 56 | $ 15,780,000 | $ 281,785 | $ 139,000 |
| Tacoma-Lakewood, WA | 56 | $ 15,710,000 | $ 280,535 | $ 116,000 |
| Memphis, TN-MS-AR | 55 | $ 9,155,000 | $ 166,454 | $ 110,254 |
| Baton Rouge, LA | 53 | $ 9,225,000 | $ 174,056 | $ 120,000 |
| Harrisburg-Carlisle, PA | 52 | $ 10,510,000 | $ 202,115 | $ 121,000 |
| Salt Lake City, UT | 52 | $ 16,480,000 | $ 316,923 | $ 133,000 |
| Detroit-Dearborn-Livonia, MI | 49 | $ 8,405,000 | $ 171,530 | $ 101,000 |
| New Orleans-Metairie, LA | 49 | $ 10,685,000 | $ 218,061 | $ 128,000 |
| Savannah, GA | 48 | $ 9,910,000 | $ 206,458 | $ 119,000 |
| York-Hanover, PA | 48 | $ 8,170,000 | $ 170,208 | $ 90,000 |
| Dover, DE | 47 | $ 10,605,000 | $ 225,638 | $ 102,000 |
| Huntsville, AL | 47 | $ 9,195,000 | $ 195,638 | $ 124,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 47 | $ 26,725,000 | $ 568,617 | $ 237,000 |
| San Francisco-Redwood City-South San Francisco, CA | 46 | $ 31,550,000 | $ 685,869 | $ 223,000 |
| Augusta-Richmond County, GA-SC | 45 | $ 9,325,000 | $ 207,222 | $ 104,844 |
| Crestview-Fort Walton Beach-Destin, FL | 45 | $ 12,915,000 | $ 287,000 | $ 192,000 |
| East Stroudsburg, PA | 45 | $ 8,095,000 | $ 179,888 | $ 133,000 |
| Jacksonville, NC | 45 | $ 10,395,000 | $ 231,000 | $ 106,000 |
| Burlington, NC | 44 | $ 9,070,000 | $ 206,136 | $ 92,000 |
| Grand Rapids-Wyoming, MI | 44 | $ 7,570,000 | $ 172,045 | $ 92,000 |
| Youngstown-Warren-Boardman, OH-PA | 44 | $ 6,060,000 | $ 137,727 | $ 112,818 |
| Chattanooga, TN-GA | 43 | $ 7,115,000 | $ 165,465 | $ 95,697 |
| Lancaster, PA | 43 | $ 9,505,000 | $ 221,046 | $ 112,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 42 | $ 11,070,000 | $ 263,571 | $ 163,000 |
| Lexington-Fayette, KY | 41 | $ 9,195,000 | $ 224,268 | $ 92,000 |
| Shreveport-Bossier City, LA | 41 | $ 8,905,000 | $ 217,195 | $ 106,000 |
| Athens-Clarke County, GA | 38 | $ 6,740,000 | $ 177,368 | $ 91,000 |
| Pensacola-Ferry Pass-Brent, FL | 38 | $ 9,010,000 | $ 237,105 | $ 119,000 |
| Tulsa, OK | 38 | $ 6,660,000 | $ 175,263 | $ 102,000 |
| Wichita, KS | 37 | $ 6,425,000 | $ 173,648 | $ 113,000 |
| Greeley, CO | 36 | $ 8,920,000 | $ 247,777 | $ 109,000 |
| Hagerstown-Martinsburg, MD-WV | 35 | $ 7,485,000 | $ 213,857 | $ 82,342 |
| Ocala, FL | 34 | $ 7,180,000 | $ 211,176 | $ 120,000 |
| Punta Gorda, FL | 34 | $ 6,320,000 | $ 185,882 | $ 109,000 |
| Trenton, NJ | 34 | $ 8,060,000 | $ 237,058 | $ 114,000 |
| Gainesville, FL | 33 | $ 6,055,000 | $ 183,484 | $ 96,000 |
| Tallahassee, FL | 33 | $ 7,845,000 | $ 237,727 | $ 90,000 |
| Charlottesville, VA | 32 | $ 8,640,000 | $ 270,000 | $ 148,000 |
| Lynchburg, VA | 32 | $ 5,930,000 | $ 185,312 | $ 70,000 |
| Modesto, CA | 32 | $ 8,980,000 | $ 280,625 | $ 104,000 |
| Austin-Round Rock, TX | 31 | $ 12,175,000 | $ 392,741 | $ 152,000 |
| Visalia-Porterville, CA | 31 | $ 7,035,000 | $ 226,935 | $ 92,000 |
| Daphne-Fairhope-Foley, AL | 30 | $ 5,060,000 | $ 168,666 | $ 86,000 |
| Fort Collins, CO | 30 | $ 7,160,000 | $ 238,666 | $ 108,000 |
| Roanoke, VA | 30 | $ 7,040,000 | $ 234,666 | $ 100,000 |
| Madison, WI | 29 | $ 6,495,000 | $ 223,965 | $ 102,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 29 | $ 12,215,000 | $ 421,206 | $ 122,000 |
| Rockford, IL | 29 | $ 4,805,000 | $ 165,689 | $ 105,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 29 | $ 4,105,000 | $ 141,551 | $ 101,000 |
| Springfield, MA | 29 | $ 7,435,000 | $ 256,379 | $ 125,000 |
| Bremerton-Silverdale, WA | 28 | $ 8,890,000 | $ 317,500 | $ 99,000 |
| Lake Havasu City-Kingman, AZ | 28 | $ 4,770,000 | $ 170,357 | $ 109,000 |
| Olympia-Tumwater, WA | 28 | $ 7,770,000 | $ 277,500 | $ 117,000 |
| Reading, PA | 27 | $ 6,165,000 | $ 228,333 | $ 114,000 |
| Vallejo-Fairfield, CA | 27 | $ 8,955,000 | $ 331,666 | $ 125,000 |
| Sebastian-Vero Beach, FL | 26 | $ 5,590,000 | $ 215,000 | $ 120,000 |
| Barnstable Town, MA | 25 | $ 8,875,000 | $ 355,000 | $ 151,000 |
| San Antonio-New Braunfels, TX | 25 | $ 6,875,000 | $ 275,000 | $ 116,000 |
| Santa Maria-Santa Barbara, CA | 25 | $ 11,025,000 | $ 441,000 | $ 187,000 |
| Ames, IA | 24 | $ 4,290,000 | $ 178,750 | $ 62,000 |
| Fort Wayne, IN | 24 | $ 4,080,000 | $ 170,000 | $ 95,000 |
| Lansing-East Lansing, MI | 24 | $ 4,510,000 | $ 187,916 | $ 134,000 |
| Panama City, FL | 24 | $ 4,870,000 | $ 202,916 | $ 106,000 |
| Atlantic City-Hammonton, NJ | 23 | $ 4,725,000 | $ 205,434 | $ 128,000 |
| California-Lexington Park, MD | 23 | $ 7,625,000 | $ 331,521 | $ 139,000 |
| Springfield, MO | 23 | $ 4,395,000 | $ 191,086 | $ 100,000 |
| The Villages, FL | 23 | $ 5,115,000 | $ 222,391 | $ 91,000 |
| Monroe, LA | 22 | $ 3,820,000 | $ 173,636 | $ 101,000 |
| Norwich-New London, CT | 22 | $ 3,990,000 | $ 181,363 | $ 110,000 |
| Providence-Warwick, RI-MA | 22 | $ 6,610,000 | $ 300,454 | $ 122,000 |
| Salinas, CA | 22 | $ 9,990,000 | $ 454,090 | $ 169,000 |
| Santa Rosa, CA | 22 | $ 8,570,000 | $ 389,545 | $ 129,000 |
| Bowling Green, KY | 21 | $ 3,625,000 | $ 172,619 | $ 82,000 |
| Lafayette, LA | 21 | $ 4,475,000 | $ 213,095 | $ 233,000 |
| Rocky Mount, NC | 21 | $ 4,025,000 | $ 191,666 | $ 121,000 |
| Salem, OR | 21 | $ 4,845,000 | $ 230,714 | $ 112,000 |
| Chico, CA | 20 | $ 5,440,000 | $ 272,000 | $ 115,000 |
| Clarksville, TN-KY | 19 | $ 3,645,000 | $ 191,842 | $ 91,473 |
| Greenville, NC | 19 | $ 3,785,000 | $ 199,210 | $ 122,000 |
| Homosassa Springs, FL | 19 | $ 3,315,000 | $ 174,473 | $ 88,000 |
| Kankakee, IL | 19 | $ 3,215,000 | $ 169,210 | $ 104,000 |
| Kennewick-Richland, WA | 19 | $ 4,685,000 | $ 246,578 | $ 109,000 |
| Mobile, AL | 19 | $ 2,605,000 | $ 137,105 | $ 80,000 |
| New Bern, NC | 19 | $ 3,705,000 | $ 195,000 | $ 99,000 |
| Peoria, IL | 19 | $ 3,565,000 | $ 187,631 | $ 92,000 |
| South Bend-Mishawaka, IN-MI | 19 | $ 4,165,000 | $ 219,210 | $ 96,842 |
| Bend-Redmond, OR | 18 | $ 4,990,000 | $ 277,222 | $ 93,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 18 | $ 6,820,000 | $ 378,888 | $ 125,000 |
| Warner Robins, GA | 18 | $ 2,730,000 | $ 151,666 | $ 99,000 |
| Albany, OR | 17 | $ 3,425,000 | $ 201,470 | $ 102,000 |
| Lima, OH | 17 | $ 3,315,000 | $ 195,000 | $ 122,000 |
| Racine, WI | 17 | $ 3,485,000 | $ 205,000 | $ 91,000 |
| Eugene, OR | 16 | $ 2,740,000 | $ 171,250 | $ 76,000 |
| Gettysburg, PA | 16 | $ 3,890,000 | $ 243,125 | $ 111,000 |
| Hammond, LA | 16 | $ 2,930,000 | $ 183,125 | $ 89,000 |
| Macon-Bibb County, GA | 16 | $ 2,600,000 | $ 162,500 | $ 95,000 |
| Coeur D'Alene, ID | 15 | $ 5,825,000 | $ 388,333 | $ 164,000 |
| Duluth, MN-WI | 15 | $ 2,475,000 | $ 165,000 | $ 64,000 |
| Elizabethtown-Fort Knox, KY | 15 | $ 2,405,000 | $ 160,333 | $ 102,000 |
| Elkhart-Goshen, IN | 15 | $ 2,155,000 | $ 143,666 | $ 98,000 |
| Mansfield, OH | 15 | $ 1,955,000 | $ 130,333 | $ 58,000 |
| Springfield, OH | 15 | $ 2,305,000 | $ 153,666 | $ 78,000 |
| Erie, PA | 14 | $ 2,940,000 | $ 210,000 | $ 94,000 |
| Gainesville, GA | 14 | $ 3,290,000 | $ 235,000 | $ 95,000 |
| Merced, CA | 14 | $ 3,610,000 | $ 257,857 | $ 79,000 |
| Prescott Valley-Prescott, AZ | 14 | $ 3,400,000 | $ 242,857 | $ 102,000 |
| Columbus, GA-AL | 13 | $ 2,085,000 | $ 160,384 | $ 83,461 |
| Lafayette-West Lafayette, IN | 13 | $ 2,345,000 | $ 180,384 | $ 131,000 |
| Madera, CA | 13 | $ 3,175,000 | $ 244,230 | $ 82,000 |
| Niles-Benton Harbor, MI | 13 | $ 2,785,000 | $ 214,230 | $ 153,000 |
| Ogden-Clearfield, UT | 13 | $ 3,655,000 | $ 281,153 | $ 91,000 |
| Cedar Rapids, IA | 12 | $ 2,210,000 | $ 184,166 | $ 71,000 |
| Goldsboro, NC | 12 | $ 2,370,000 | $ 197,500 | $ 82,000 |
| Montgomery, AL | 12 | $ 2,340,000 | $ 195,000 | $ 78,000 |
| San Rafael, CA | 12 | $ 7,800,000 | $ 650,000 | $ 233,000 |
| Staunton-Waynesboro, VA | 12 | $ 2,780,000 | $ 231,666 | $ 92,000 |
| Bloomington, IL | 11 | $ 1,815,000 | $ 165,000 | $ 99,000 |
| Boulder, CO | 11 | $ 3,085,000 | $ 280,454 | $ 129,000 |
| Chambersburg-Waynesboro, PA | 11 | $ 1,755,000 | $ 159,545 | $ 154,000 |
| Columbus, IN | 11 | $ 1,715,000 | $ 155,909 | $ 84,000 |
| Florence, SC | 11 | $ 2,685,000 | $ 244,090 | $ 83,000 |
| Green Bay, WI | 11 | $ 2,045,000 | $ 185,909 | $ 93,000 |
| Lake Charles, LA | 11 | $ 1,605,000 | $ 145,909 | $ 95,000 |
| Monroe, MI | 11 | $ 1,505,000 | $ 136,818 | $ 90,000 |
| Omaha-Council Bluffs, NE-IA | 11 | $ 2,205,000 | $ 200,454 | $ 100,363 |
| Sebring, FL | 11 | $ 1,385,000 | $ 125,909 | $ 74,000 |
| St. George, UT | 11 | $ 2,955,000 | $ 268,636 | $ 166,000 |
| Tuscaloosa, AL | 11 | $ 2,005,000 | $ 182,272 | $ 170,000 |
| Wheeling, WV-OH | 11 | $ 1,935,000 | $ 175,909 | $ 92,000 |
| Yuba City, CA | 11 | $ 2,765,000 | $ 251,363 | $ 92,000 |
| Ann Arbor, MI | 10 | $ 2,230,000 | $ 223,000 | $ 93,000 |
| Fargo, ND-MN | 10 | $ 1,980,000 | $ 198,000 | $ 119,000 |
| Huntington-Ashland, WV-KY-OH | 10 | $ 1,670,000 | $ 167,000 | $ 78,100 |
| Kingsport-Bristol-Bristol, TN-VA | 10 | $ 1,340,000 | $ 134,000 | $ 59,300 |
| Lawrence, KS | 10 | $ 1,550,000 | $ 155,000 | $ 122,000 |
| Morristown, TN | 10 | $ 1,780,000 | $ 178,000 | $ 127,000 |
| Redding, CA | 10 | $ 2,420,000 | $ 242,000 | $ 75,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 4,150,000 | $ 415,000 | $ 172,000 |
| Valdosta, GA | 10 | $ 1,720,000 | $ 172,000 | $ 112,000 |
| Wausau, WI | 10 | $ 1,620,000 | $ 162,000 | $ 134,000 |
| Dalton, GA | 9 | $ 1,625,000 | $ 180,555 | $ 147,000 |
| Decatur, AL | 9 | $ 1,355,000 | $ 150,555 | $ 129,000 |
| Dothan, AL | 9 | $ 1,955,000 | $ 217,222 | $ 111,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 2,665,000 | $ 296,111 | $ 200,000 |
| Grand Junction, CO | 9 | $ 1,855,000 | $ 206,111 | $ 116,000 |
| Hanford-Corcoran, CA | 9 | $ 1,845,000 | $ 205,000 | $ 70,000 |
| Topeka, KS | 9 | $ 1,595,000 | $ 177,222 | $ 122,000 |
| Vineland-Bridgeton, NJ | 9 | $ 1,785,000 | $ 198,333 | $ 119,000 |
| Alexandria, LA | 8 | $ 1,560,000 | $ 195,000 | $ 88,000 |
| Bellingham, WA | 8 | $ 2,410,000 | $ 301,250 | $ 125,000 |
| Champaign-Urbana, IL | 8 | $ 1,390,000 | $ 173,750 | $ 90,000 |
| El Paso, TX | 8 | $ 1,520,000 | $ 190,000 | $ 110,000 |
| Johnson City, TN | 8 | $ 1,530,000 | $ 191,250 | $ 79,000 |
| Medford, OR | 8 | $ 1,630,000 | $ 203,750 | $ 81,000 |
| Michigan City-La Porte, IN | 8 | $ 1,580,000 | $ 197,500 | $ 216,000 |
| Sierra Vista-Douglas, AZ | 8 | $ 1,030,000 | $ 128,750 | $ 82,000 |
| Tyler, TX | 8 | $ 2,260,000 | $ 282,500 | $ 83,000 |
| Blacksburg-Christiansburg-Radford, VA | 7 | $ 1,605,000 | $ 229,285 | $ 143,000 |
| Brunswick, GA | 7 | $ 1,215,000 | $ 173,571 | $ 81,000 |
| College Station-Bryan, TX | 7 | $ 1,725,000 | $ 246,428 | $ 152,000 |
| El Centro, CA | 7 | $ 1,675,000 | $ 239,285 | $ 133,000 |
| Flint, MI | 7 | $ 1,465,000 | $ 209,285 | $ 134,000 |
| Harrisonburg, VA | 7 | $ 1,335,000 | $ 190,714 | $ 80,000 |
| Houma-Thibodaux, LA | 7 | $ 1,105,000 | $ 157,857 | $ 110,000 |
| Kalamazoo-Portage, MI | 7 | $ 1,225,000 | $ 175,000 | $ 89,000 |
| Ocean City, NJ | 7 | $ 1,725,000 | $ 246,428 | $ 189,000 |
| Oshkosh-Neenah, WI | 7 | $ 1,015,000 | $ 145,000 | $ 220,000 |
| Pueblo, CO | 7 | $ 1,355,000 | $ 193,571 | $ 100,000 |
| Auburn-Opelika, AL | 6 | $ 890,000 | $ 148,333 | $ 74,000 |
| Carbondale-Marion, IL | 6 | $ 830,000 | $ 138,333 | $ 65,000 |
| Cleveland, TN | 6 | $ 1,360,000 | $ 226,666 | $ 115,000 |
| Columbia, MO | 6 | $ 1,120,000 | $ 186,666 | $ 86,000 |
| Iowa City, IA | 6 | $ 1,380,000 | $ 230,000 | $ 89,000 |
| Longview, WA | 6 | $ 1,930,000 | $ 321,666 | $ 124,000 |
| Rochester, MN | 6 | $ 1,280,000 | $ 213,333 | $ 72,000 |
| St. Joseph, MO-KS | 6 | $ 1,030,000 | $ 171,666 | $ 77,000 |
| Waterloo-Cedar Falls, IA | 6 | $ 860,000 | $ 143,333 | $ 111,000 |
| Yuma, AZ | 6 | $ 940,000 | $ 156,666 | $ 98,000 |
| Battle Creek, MI | 5 | $ 1,105,000 | $ 221,000 | $ 178,000 |
| Corpus Christi, TX | 5 | $ 1,115,000 | $ 223,000 | $ 187,000 |
| Evansville, IN-KY | 5 | $ 895,000 | $ 179,000 | $ 132,000 |
| Gadsden, AL | 5 | $ 825,000 | $ 165,000 | $ 56,000 |
| Jackson, TN | 5 | $ 1,095,000 | $ 219,000 | $ 122,000 |
| Janesville-Beloit, WI | 5 | $ 705,000 | $ 141,000 | $ 43,000 |
| Jefferson City, MO | 5 | $ 925,000 | $ 185,000 | $ 112,000 |
| Mankato-North Mankato, MN | 5 | $ 725,000 | $ 145,000 | $ 104,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,575,000 | $ 315,000 | $ 93,000 |
| Napa, CA | 5 | $ 3,535,000 | $ 707,000 | $ 339,000 |
| Pittsfield, MA | 5 | $ 835,000 | $ 167,000 | $ 71,000 |
| Sumter, SC | 5 | $ 815,000 | $ 163,000 | $ 160,000 |
| Williamsport, PA | 5 | $ 925,000 | $ 185,000 | $ 89,000 |
| Albany, GA | 4 | $ 450,000 | $ 112,500 | $ 94,000 |
| Beaumont-Port Arthur, TX | 4 | $ 1,470,000 | $ 367,500 | $ 116,000 |
| Bismarck, ND | 4 | $ 680,000 | $ 170,000 | $ 93,000 |
| Corvallis, OR | 4 | $ 1,040,000 | $ 260,000 | $ 116,000 |
| Danville, IL | 4 | $ 390,000 | $ 97,500 | $ 55,000 |
| Flagstaff, AZ | 4 | $ 1,290,000 | $ 322,500 | $ 117,000 |
| Grants Pass, OR | 4 | $ 750,000 | $ 187,500 | $ 51,000 |
| Johnstown, PA | 4 | $ 550,000 | $ 137,500 | $ 67,000 |
| Manhattan, KS | 4 | $ 1,040,000 | $ 260,000 | $ 186,000 |
| Sheboygan, WI | 4 | $ 550,000 | $ 137,500 | $ 177,000 |
| Altoona, PA | 3 | $ 615,000 | $ 205,000 | $ 83,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 215,000 | $ 71,666 | $ 35,000 |
| Bloomington, IN | 3 | $ 575,000 | $ 191,666 | $ 94,000 |
| Brownsville-Harlingen, TX | 3 | $ 845,000 | $ 281,666 | $ 287,000 |
| Eau Claire, WI | 3 | $ 275,000 | $ 91,666 | $ 29,000 |
| Enid, OK | 3 | $ 465,000 | $ 155,000 | $ 115,000 |
| Fond Du Lac, WI | 3 | $ 805,000 | $ 268,333 | $ 146,000 |
| Jackson, MI | 3 | $ 1,115,000 | $ 371,666 | $ 146,000 |
| Joplin, MO | 3 | $ 355,000 | $ 118,333 | $ 327,000 |
| Killeen-Temple, TX | 3 | $ 545,000 | $ 181,666 | $ 125,000 |
| Kokomo, IN | 3 | $ 565,000 | $ 188,333 | $ 88,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 735,000 | $ 245,000 | $ 88,000 |
| Midland, MI | 3 | $ 715,000 | $ 238,333 | $ 176,000 |
| Muncie, IN | 3 | $ 345,000 | $ 115,000 | $ 73,000 |
| Owensboro, KY | 3 | $ 585,000 | $ 195,000 | $ 72,000 |
| Parkersburg-Vienna, WV | 3 | $ 435,000 | $ 145,000 | $ 132,000 |
| Springfield, IL | 3 | $ 255,000 | $ 85,000 | $ 51,000 |
| St. Cloud, MN | 3 | $ 595,000 | $ 198,333 | $ 52,000 |
| Appleton, WI | 2 | $ 160,000 | $ 80,000 | $ 54,000 |
| Boise City, ID | 2 | $ 500,000 | $ 250,000 | $ 111,000 |
| Cape Girardeau, MO-IL | 2 | $ 210,000 | $ 105,000 | $ 51,000 |
| Charleston, WV | 2 | $ 270,000 | $ 135,000 | $ 35,000 |
| Cumberland, MD-WV | 2 | $ 350,000 | $ 175,000 | $ 198,000 |
| Florence-Muscle Shoals, AL | 2 | $ 440,000 | $ 220,000 | $ 73,000 |
| Lawton, OK | 2 | $ 490,000 | $ 245,000 | $ 72,000 |
| Logan, UT-ID | 2 | $ 720,000 | $ 360,000 | $ 85,000 |
| Longview, TX | 2 | $ 330,000 | $ 165,000 | $ 51,000 |
| Midland, TX | 2 | $ 420,000 | $ 210,000 | $ 83,000 |
| Muskegon, MI | 2 | $ 260,000 | $ 130,000 | $ 60,000 |
| Rome, GA | 2 | $ 250,000 | $ 125,000 | $ 78,000 |
| Sherman-Denison, TX | 2 | $ 490,000 | $ 245,000 | $ 89,000 |
| Walla Walla, WA | 2 | $ 810,000 | $ 405,000 | $ 165,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 250,000 | $ 125,000 | $ 101,500 |
| Wenatchee, WA | 2 | $ 400,000 | $ 200,000 | $ 82,000 |
| Albuquerque, NM | 1 | $ 975,000 | $ 975,000 | $ 356,000 |
| Amarillo, TX | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Bay City, MI | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Beckley, WV | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Dubuque, IA | 1 | $ 265,000 | $ 265,000 | $ 371,000 |
| Farmington, NM | 1 | $ 355,000 | $ 355,000 | $ 216,000 |
| Fort Smith, AR-OK | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Hinesville, GA | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Idaho Falls, ID | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Laredo, TX | 1 | $ 215,000 | $ 215,000 | $ 325,000 |
| Las Cruces, NM | 1 | $ 195,000 | $ 195,000 | $ 180,000 |
| Lewiston, ID-WA | 1 | $ 345,000 | $ 345,000 | $ 189,000 |
| Rockingham County-Strafford County, NH | 1 | $ 245,000 | $ 245,000 | $ 109,000 |
| Saginaw, MI | 1 | $ 225,000 | $ 225,000 | $ 164,000 |
| San Angelo, TX | 1 | $ 1,005,000 | $ 1,005,000 | $ 289,000 |
| Terre Haute, IN | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Twin Falls, ID | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Waco, TX | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for Lower, LLC in 2020
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 | 17,562 | $4,570,750,000 | $260,000 | $2,805,000 | $124,000 | $2,629,000 |
| Home Purchase | 9,483 | $2,550,325,000 | $268,000 | $2,135,000 | $102,000 | $2,922,000 |
| Cash-out Refinancing | 6,526 | $1,410,270,000 | $216,000 | $2,015,000 | $114,000 | $1,800,000 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $83,000 | $83,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 21,302 | $5,225,670,000 | $245,000 | $2,135,000 | $118,000 | $2,922,000 |
| Not Provided | 5,783 | $1,537,455,000 | $265,000 | $2,355,000 | $123,000 | $2,629,000 |
| Hispanic | 2,685 | $713,575,000 | $265,000 | $2,805,000 | $92,000 | $2,020,000 |
| Black or African American | 2,442 | $635,550,000 | $260,000 | $1,385,000 | $98,000 | $1,200,000 |
| Asian | 1,220 | $382,090,000 | $313,000 | $1,715,000 | $133,000 | $1,446,000 |
| American Indian or Alaskan Native | 96 | $24,330,000 | $253,000 | $985,000 | $96,000 | $295,000 |
| Native Hawaiian or Other Pacific Islander | 42 | $12,320,000 | $293,000 | $745,000 | $110,000 | $377,000 |
| 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) | 27,656 | $6,937,460,000 | $250,000 | $2,805,000 | $122,000 | $2,922,000 |
| FHA-insured (Federal Housing Administration) | 3,762 | $912,900,000 | $242,000 | $875,000 | $76,000 | $930,000 |
| VA-guaranteed (Veterans Administration) | 1,925 | $638,805,000 | $331,000 | $1,525,000 | $101,000 | $850,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 229 | $42,235,000 | $184,000 | $385,000 | $54,000 | $111,000 |
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 | 20,021 | $5,120,115,000 | $255,000 | $1,125,000 | $114,000 | $2,922,000 |
| Application Withdrawn By Applicant | 10,507 | $2,688,095,000 | $255,000 | $2,355,000 | $123,000 | $2,020,000 |
| Application Denied By Financial Institution | 2,771 | $658,655,000 | $237,000 | $2,805,000 | $100,000 | $1,508,000 |
| Application Approved But Not Accepted | 166 | $38,320,000 | $230,000 | $905,000 | $106,000 | $564,000 |
| File Closed For Incompleteness | 107 | $26,215,000 | $245,000 | $1,795,000 | $127,000 | $660,000 |
| 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 | 30,801 | $7,872,745,000 | $255,000 | $2,355,000 | $117,000 | $2,922,000 |
| Credit Application Incomplete | 881 | $228,315,000 | $259,000 | $1,385,000 | $109,000 | $671,000 |
| Debt-To-Income Ratio | 774 | $178,080,000 | $230,000 | $2,135,000 | $78,000 | $1,508,000 |
| Credit History | 332 | $66,210,000 | $199,000 | $1,005,000 | $104,000 | $1,464,000 |
| Collateral | 284 | $66,800,000 | $235,000 | $1,285,000 | $110,000 | $785,000 |
| Other | 256 | $56,480,000 | $220,000 | $2,805,000 | $118,000 | $1,202,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 181 | $47,375,000 | $261,000 | $1,385,000 | $109,000 | $484,000 |
| Employment History | 52 | $12,820,000 | $246,000 | $725,000 | $77,000 | $247,000 |
| Unverifiable Information | 11 | $2,575,000 | $234,000 | $445,000 | $77,000 | $210,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lower, LLC's 2020 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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