Lower, LLC Mortgage Lending & HMDA Data, 2022
In 2022, Lower, LLC of Columbia, MD reported 31,271 mortgage applications totaling $8.5 billion, down 41% from 2021. The average application was for $271,562, and applicants reported an average income of $120,213. 45% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,683), Columbus, OH (1,352) and Atlanta-Sandy Springs-Roswell, GA (1,237) (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 | 31,271 |
| Total Mortgage Loan Application Amount | $8,492,020,000 |
| Average Mortgage Loan Application Amount | $271,562 |
| Highest Mortgage Loan Application Amount | $13,755,000 |
| Average Applicant Income | $120,213 |
| Highest Applicant Income | $6,430,000 |
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Act (HMDA) records Lower, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,835 | $ 585,405,000 | $ 206,492 | $ 95,102 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,683 | $ 633,085,000 | $ 376,164 | $ 138,818 |
| Columbus, OH | 1,352 | $ 350,590,000 | $ 259,312 | $ 124,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,237 | $ 322,195,000 | $ 260,464 | $ 128,000 |
| Dallas-Plano-Irving, TX | 1,190 | $ 435,910,000 | $ 366,310 | $ 129,000 |
| Chicago-Naperville, IL | 829 | $ 211,005,000 | $ 254,529 | $ 132,000 |
| Tampa-St. Petersburg-Clearwater, FL | 733 | $ 200,295,000 | $ 273,253 | $ 122,000 |
| Baltimore-Columbia-Towson, MD | 534 | $ 147,160,000 | $ 275,580 | $ 112,000 |
| Orlando-Kissimmee-Sanford, FL | 468 | $ 123,290,000 | $ 263,440 | $ 118,000 |
| Charlotte-Concord-Gastonia, NC-SC | 467 | $ 125,225,000 | $ 268,147 | $ 123,000 |
| Phoenix-Mesa-Scottsdale, AZ | 441 | $ 126,345,000 | $ 286,496 | $ 130,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 402 | $ 119,510,000 | $ 297,288 | $ 127,000 |
| Yakima, WA | 393 | $ 113,745,000 | $ 289,427 | $ 102,000 |
| Miami-Miami Beach-Kendall, FL | 385 | $ 125,745,000 | $ 326,610 | $ 131,000 |
| Davenport-Moline-Rock Island, IA-IL | 383 | $ 72,185,000 | $ 188,472 | $ 86,624 |
| Houston-The Woodlands-Sugar Land, TX | 383 | $ 116,530,000 | $ 304,255 | $ 124,000 |
| Greenville-Anderson-Mauldin, SC | 336 | $ 86,310,000 | $ 256,875 | $ 99,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 323 | $ 93,395,000 | $ 289,148 | $ 127,000 |
| Fort Worth-Arlington, TX | 312 | $ 108,620,000 | $ 348,141 | $ 131,000 |
| Cincinnati, OH-KY-IN | 303 | $ 64,505,000 | $ 212,887 | $ 99,811 |
| Denver-Aurora-Lakewood, CO | 290 | $ 102,240,000 | $ 352,551 | $ 151,000 |
| Washington-Baltimore-Arlington, DC | 282 | $ 116,950,000 | $ 414,716 | $ 132,000 |
| Spokane-Spokane Valley, WA | 276 | $ 93,920,000 | $ 340,289 | $ 116,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 261 | $ 68,045,000 | $ 260,708 | $ 111,839 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 260 | $ 61,490,000 | $ 236,500 | $ 123,153 |
| New York-Newark, NY | 245 | $ 74,465,000 | $ 303,938 | $ 151,000 |
| Jacksonville, FL | 236 | $ 63,250,000 | $ 268,008 | $ 132,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 235 | $ 75,175,000 | $ 319,893 | $ 134,000 |
| Indianapolis-Carmel-Anderson, IN | 234 | $ 52,290,000 | $ 223,461 | $ 116,000 |
| Cleveland-Elyria, OH | 229 | $ 44,725,000 | $ 195,305 | $ 107,000 |
| Des Moines-West Des Moines, IA | 228 | $ 51,260,000 | $ 224,824 | $ 93,000 |
| Richmond, VA | 227 | $ 55,255,000 | $ 243,414 | $ 108,000 |
| Raleigh, NC | 226 | $ 69,590,000 | $ 307,920 | $ 122,000 |
| Cape Coral-Fort Myers, FL | 225 | $ 63,715,000 | $ 283,177 | $ 151,000 |
| Newark, NJ-PA | 219 | $ 68,425,000 | $ 312,442 | $ 171,657 |
| Camden, NJ | 215 | $ 49,445,000 | $ 229,976 | $ 117,000 |
| Riverside-San Bernardino-Ontario, CA | 214 | $ 66,530,000 | $ 310,887 | $ 135,000 |
| Montgomery County-Bucks County-Chester County, PA | 213 | $ 54,585,000 | $ 256,267 | $ 133,000 |
| Los Angeles-Long Beach-Glendale, CA | 195 | $ 82,645,000 | $ 423,820 | $ 179,000 |
| Warren-Troy-Farmington Hills, MI | 194 | $ 42,170,000 | $ 217,371 | $ 130,000 |
| Salisbury, MD-DE | 190 | $ 51,750,000 | $ 272,368 | $ 127,115 |
| St. Louis, MO-IL | 182 | $ 37,880,000 | $ 208,131 | $ 122,670 |
| Elgin, IL | 174 | $ 45,470,000 | $ 261,321 | $ 134,000 |
| Kansas City, MO-KS | 172 | $ 38,780,000 | $ 225,465 | $ 120,209 |
| Seattle-Bellevue-Everett, WA | 170 | $ 69,580,000 | $ 409,294 | $ 180,000 |
| Pittsburgh, PA | 168 | $ 37,380,000 | $ 222,500 | $ 121,000 |
| Lakeland-Winter Haven, FL | 164 | $ 39,610,000 | $ 241,524 | $ 89,000 |
| Kennewick-Richland, WA | 160 | $ 50,090,000 | $ 313,062 | $ 110,000 |
| Louisville/Jefferson County, KY-IN | 160 | $ 33,830,000 | $ 211,437 | $ 99,400 |
| Deltona-Daytona Beach-Ormond Beach, FL | 159 | $ 40,965,000 | $ 257,641 | $ 110,000 |
| Austin-Round Rock, TX | 154 | $ 61,000,000 | $ 396,103 | $ 130,000 |
| Philadelphia, PA | 149 | $ 29,045,000 | $ 194,932 | $ 107,000 |
| Columbia, SC | 148 | $ 33,130,000 | $ 223,851 | $ 94,000 |
| Palm Bay-Melbourne-Titusville, FL | 145 | $ 43,465,000 | $ 299,758 | $ 117,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 142 | $ 46,950,000 | $ 330,633 | $ 152,732 |
| North Port-Sarasota-Bradenton, FL | 138 | $ 42,890,000 | $ 310,797 | $ 127,000 |
| Memphis, TN-MS-AR | 130 | $ 28,030,000 | $ 215,615 | $ 118,084 |
| New York-Jersey City-White Plains, NY-NJ | 129 | $ 47,875,000 | $ 371,124 | $ 186,000 |
| Wilmington, DE-MD-NJ | 129 | $ 36,325,000 | $ 281,589 | $ 111,488 |
| Lake County-Kenosha County, IL-WI | 128 | $ 33,030,000 | $ 258,046 | $ 161,976 |
| Provo-Orem, UT | 127 | $ 47,915,000 | $ 377,283 | $ 128,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 124 | $ 35,290,000 | $ 284,596 | $ 113,895 |
| Charleston-North Charleston, SC | 123 | $ 39,775,000 | $ 323,373 | $ 149,000 |
| Detroit-Dearborn-Livonia, MI | 119 | $ 19,805,000 | $ 166,428 | $ 103,000 |
| Boston, MA | 118 | $ 39,990,000 | $ 338,898 | $ 144,000 |
| Hartford-West Hartford-East Hartford, CT | 117 | $ 24,705,000 | $ 211,153 | $ 118,000 |
| Birmingham-Hoover, AL | 113 | $ 22,195,000 | $ 196,415 | $ 93,000 |
| San Antonio-New Braunfels, TX | 112 | $ 27,410,000 | $ 244,732 | $ 100,000 |
| Spartanburg, SC | 112 | $ 26,460,000 | $ 236,250 | $ 87,000 |
| Port St. Lucie, FL | 108 | $ 29,430,000 | $ 272,500 | $ 112,000 |
| New Haven-Milford, CT | 106 | $ 25,570,000 | $ 241,226 | $ 117,000 |
| Oklahoma City, OK | 105 | $ 21,205,000 | $ 201,952 | $ 101,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 105 | $ 34,665,000 | $ 330,142 | $ 150,000 |
| Winston-Salem, NC | 105 | $ 23,905,000 | $ 227,666 | $ 102,000 |
| Lexington-Fayette, KY | 103 | $ 22,215,000 | $ 215,679 | $ 136,000 |
| Dover, DE | 100 | $ 26,240,000 | $ 262,400 | $ 103,000 |
| Fayetteville, NC | 98 | $ 33,410,000 | $ 340,918 | $ 123,000 |
| Wilmington, NC | 98 | $ 30,150,000 | $ 307,653 | $ 119,000 |
| Clarksville, TN-KY | 96 | $ 20,190,000 | $ 210,312 | $ 102,333 |
| Dayton-Springfield-Kettering, OH | 96 | $ 14,670,000 | $ 152,812 | $ 93,000 |
| Gary, IN | 91 | $ 17,885,000 | $ 196,538 | $ 85,000 |
| Youngstown-Warren-Boardman, OH-PA | 90 | $ 13,010,000 | $ 144,555 | $ 71,644 |
| Salt Lake City, UT | 89 | $ 28,795,000 | $ 323,539 | $ 150,000 |
| Greensboro-High Point, NC | 88 | $ 22,390,000 | $ 254,431 | $ 104,000 |
| New Orleans-Metairie, LA | 88 | $ 19,650,000 | $ 223,295 | $ 113,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 87 | $ 20,405,000 | $ 234,540 | $ 118,517 |
| Bridgeport-Stamford-Norwalk, CT | 87 | $ 26,795,000 | $ 307,988 | $ 183,000 |
| Cambridge-Newton-Framingham, MA | 87 | $ 31,035,000 | $ 356,724 | $ 183,000 |
| San Diego-Carlsbad, CA | 86 | $ 36,660,000 | $ 426,279 | $ 179,000 |
| Oakland-Hayward-Berkeley, CA | 84 | $ 36,880,000 | $ 439,047 | $ 177,000 |
| Worcester, MA-CT | 84 | $ 21,440,000 | $ 255,238 | $ 105,523 |
| McAllen-Edinburg-Mission, TX | 81 | $ 17,505,000 | $ 216,111 | $ 107,000 |
| Knoxville, TN | 80 | $ 19,920,000 | $ 249,000 | $ 111,000 |
| Augusta-Richmond County, GA-SC | 79 | $ 15,835,000 | $ 200,443 | $ 104,126 |
| Durham-Chapel Hill, NC | 77 | $ 22,455,000 | $ 291,623 | $ 139,000 |
| Grand Rapids-Wyoming, MI | 73 | $ 14,765,000 | $ 202,260 | $ 100,000 |
| Baton Rouge, LA | 72 | $ 14,970,000 | $ 207,916 | $ 108,000 |
| East Stroudsburg, PA | 72 | $ 14,450,000 | $ 200,694 | $ 97,000 |
| Milwaukee-Waukesha-West Allis, WI | 71 | $ 16,295,000 | $ 229,507 | $ 112,000 |
| Pensacola-Ferry Pass-Brent, FL | 71 | $ 16,505,000 | $ 232,464 | $ 95,000 |
| Crestview-Fort Walton Beach-Destin, FL | 66 | $ 33,010,000 | $ 500,151 | $ 306,000 |
| Hickory-Lenoir-Morganton, NC | 65 | $ 15,535,000 | $ 239,000 | $ 96,000 |
| Anaheim-Santa Ana-Irvine, CA | 64 | $ 27,180,000 | $ 424,687 | $ 213,000 |
| Ocala, FL | 64 | $ 14,190,000 | $ 221,718 | $ 91,000 |
| Chattanooga, TN-GA | 63 | $ 13,625,000 | $ 216,269 | $ 112,777 |
| Colorado Springs, CO | 63 | $ 19,865,000 | $ 315,317 | $ 110,000 |
| Punta Gorda, FL | 63 | $ 14,625,000 | $ 232,142 | $ 110,000 |
| Tucson, AZ | 63 | $ 15,975,000 | $ 253,571 | $ 120,000 |
| Bakersfield, CA | 60 | $ 14,620,000 | $ 243,666 | $ 113,000 |
| Huntsville, AL | 60 | $ 13,930,000 | $ 232,166 | $ 106,000 |
| Akron, OH | 58 | $ 9,870,000 | $ 170,172 | $ 104,000 |
| Ogden-Clearfield, UT | 58 | $ 18,420,000 | $ 317,586 | $ 120,000 |
| Harrisburg-Carlisle, PA | 57 | $ 11,655,000 | $ 204,473 | $ 99,000 |
| Albuquerque, NM | 56 | $ 11,100,000 | $ 198,214 | $ 108,000 |
| Tacoma-Lakewood, WA | 56 | $ 17,980,000 | $ 321,071 | $ 118,000 |
| Toledo, OH | 55 | $ 11,125,000 | $ 202,272 | $ 102,000 |
| Trenton, NJ | 55 | $ 11,815,000 | $ 214,818 | $ 135,000 |
| Asheville, NC | 53 | $ 15,695,000 | $ 296,132 | $ 145,000 |
| Tulsa, OK | 53 | $ 10,405,000 | $ 196,320 | $ 114,000 |
| Killeen-Temple, TX | 51 | $ 13,195,000 | $ 258,725 | $ 87,000 |
| Naples-Immokalee-Marco Island, FL | 51 | $ 16,665,000 | $ 326,764 | $ 147,000 |
| Savannah, GA | 51 | $ 13,195,000 | $ 258,725 | $ 120,000 |
| Boise City, ID | 47 | $ 14,165,000 | $ 301,382 | $ 118,000 |
| Greeley, CO | 47 | $ 13,845,000 | $ 294,574 | $ 138,000 |
| Canton-Massillon, OH | 46 | $ 8,790,000 | $ 191,086 | $ 86,000 |
| Gainesville, FL | 44 | $ 9,400,000 | $ 213,636 | $ 114,000 |
| Lancaster, PA | 42 | $ 8,270,000 | $ 196,904 | $ 89,000 |
| Winchester, VA-WV | 42 | $ 11,200,000 | $ 266,666 | $ 82,714 |
| Hagerstown-Martinsburg, MD-WV | 39 | $ 9,535,000 | $ 244,487 | $ 99,923 |
| Panama City, FL | 39 | $ 11,365,000 | $ 291,410 | $ 146,000 |
| Springfield, MA | 38 | $ 9,100,000 | $ 239,473 | $ 130,000 |
| Providence-Warwick, RI-MA | 36 | $ 10,380,000 | $ 288,333 | $ 119,000 |
| Rockford, IL | 36 | $ 6,460,000 | $ 179,444 | $ 92,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 36 | $ 6,620,000 | $ 183,888 | $ 112,000 |
| York-Hanover, PA | 35 | $ 8,155,000 | $ 233,000 | $ 108,000 |
| Atlantic City-Hammonton, NJ | 34 | $ 7,010,000 | $ 206,176 | $ 107,000 |
| Jackson, MS | 34 | $ 6,530,000 | $ 192,058 | $ 83,000 |
| Lansing-East Lansing, MI | 33 | $ 6,125,000 | $ 185,606 | $ 94,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 33 | $ 15,945,000 | $ 483,181 | $ 268,000 |
| Alexandria, LA | 32 | $ 6,940,000 | $ 216,875 | $ 96,000 |
| Stockton-Lodi, CA | 32 | $ 11,060,000 | $ 345,625 | $ 179,000 |
| Wichita, KS | 32 | $ 5,880,000 | $ 183,750 | $ 115,000 |
| California-Lexington Park, MD | 31 | $ 8,075,000 | $ 260,483 | $ 127,000 |
| Mobile, AL | 31 | $ 5,305,000 | $ 171,129 | $ 93,000 |
| Rockingham County-Strafford County, NH | 31 | $ 10,325,000 | $ 333,064 | $ 117,000 |
| Fort Wayne, IN | 30 | $ 5,700,000 | $ 190,000 | $ 96,000 |
| Gainesville, GA | 30 | $ 8,330,000 | $ 277,666 | $ 107,000 |
| New Bern, NC | 30 | $ 6,670,000 | $ 222,333 | $ 96,000 |
| Daphne-Fairhope-Foley, AL | 28 | $ 6,850,000 | $ 244,642 | $ 103,000 |
| Salem, OR | 28 | $ 7,000,000 | $ 250,000 | $ 110,000 |
| Tallahassee, FL | 28 | $ 5,780,000 | $ 206,428 | $ 83,000 |
| Athens-Clarke County, GA | 27 | $ 6,125,000 | $ 226,851 | $ 107,000 |
| Burlington, NC | 27 | $ 6,695,000 | $ 247,962 | $ 104,000 |
| Charlottesville, VA | 27 | $ 7,485,000 | $ 277,222 | $ 148,000 |
| Lebanon, PA | 27 | $ 4,595,000 | $ 170,185 | $ 75,000 |
| Lynchburg, VA | 27 | $ 5,405,000 | $ 200,185 | $ 119,000 |
| Montgomery, AL | 27 | $ 4,635,000 | $ 171,666 | $ 88,000 |
| Roanoke, VA | 26 | $ 5,620,000 | $ 216,153 | $ 117,000 |
| El Paso, TX | 25 | $ 4,735,000 | $ 189,400 | $ 92,000 |
| Norwich-New London, CT | 25 | $ 4,575,000 | $ 183,000 | $ 118,000 |
| Reading, PA | 25 | $ 5,085,000 | $ 203,400 | $ 78,000 |
| South Bend-Mishawaka, IN-MI | 25 | $ 3,795,000 | $ 151,800 | $ 97,680 |
| State College, PA | 25 | $ 5,415,000 | $ 216,600 | $ 92,000 |
| Auburn-Opelika, AL | 24 | $ 5,480,000 | $ 228,333 | $ 110,000 |
| Manchester-Nashua, NH | 24 | $ 6,350,000 | $ 264,583 | $ 103,000 |
| Shreveport-Bossier City, LA | 24 | $ 4,710,000 | $ 196,250 | $ 81,000 |
| Fresno, CA | 23 | $ 5,065,000 | $ 220,217 | $ 95,000 |
| Springfield, OH | 23 | $ 3,045,000 | $ 132,391 | $ 85,000 |
| Columbus, GA-AL | 22 | $ 4,830,000 | $ 219,545 | $ 96,772 |
| Gulfport-Biloxi-Pascagoula, MS | 22 | $ 5,260,000 | $ 239,090 | $ 132,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 22 | $ 6,400,000 | $ 290,909 | $ 135,000 |
| Homosassa Springs, FL | 22 | $ 4,680,000 | $ 212,727 | $ 93,000 |
| Lima, OH | 22 | $ 3,300,000 | $ 150,000 | $ 79,000 |
| Sebastian-Vero Beach, FL | 22 | $ 5,160,000 | $ 234,545 | $ 123,000 |
| Springfield, MO | 22 | $ 4,580,000 | $ 208,181 | $ 107,000 |
| Fort Collins, CO | 20 | $ 7,070,000 | $ 353,500 | $ 119,000 |
| Jacksonville, NC | 20 | $ 5,670,000 | $ 283,500 | $ 105,000 |
| Lake Havasu City-Kingman, AZ | 20 | $ 3,470,000 | $ 173,500 | $ 80,000 |
| Niles-Benton Harbor, MI | 20 | $ 4,700,000 | $ 235,000 | $ 130,000 |
| Ocean City, NJ | 20 | $ 5,500,000 | $ 275,000 | $ 152,000 |
| Barnstable Town, MA | 19 | $ 8,025,000 | $ 422,368 | $ 213,000 |
| Lafayette-West Lafayette, IN | 19 | $ 4,095,000 | $ 215,526 | $ 101,000 |
| Olympia-Tumwater, WA | 19 | $ 6,205,000 | $ 326,578 | $ 107,000 |
| Vineland-Bridgeton, NJ | 19 | $ 3,725,000 | $ 196,052 | $ 117,000 |
| Ames, IA | 18 | $ 3,330,000 | $ 185,000 | $ 69,000 |
| Ann Arbor, MI | 18 | $ 4,480,000 | $ 248,888 | $ 177,000 |
| Green Bay, WI | 18 | $ 3,530,000 | $ 196,111 | $ 101,000 |
| Johnson City, TN | 18 | $ 3,560,000 | $ 197,777 | $ 84,000 |
| Peoria, IL | 18 | $ 2,710,000 | $ 150,555 | $ 101,000 |
| The Villages, FL | 18 | $ 4,110,000 | $ 228,333 | $ 107,000 |
| Bremerton-Silverdale, WA | 17 | $ 4,195,000 | $ 246,764 | $ 104,000 |
| Elkhart-Goshen, IN | 17 | $ 2,685,000 | $ 157,941 | $ 94,000 |
| Erie, PA | 17 | $ 2,225,000 | $ 130,882 | $ 75,000 |
| Flint, MI | 17 | $ 3,335,000 | $ 196,176 | $ 101,000 |
| Harrisonburg, VA | 17 | $ 4,295,000 | $ 252,647 | $ 89,000 |
| Kingsport-Bristol-Bristol, TN-VA | 17 | $ 3,265,000 | $ 192,058 | $ 75,352 |
| Madison, WI | 17 | $ 4,235,000 | $ 249,117 | $ 129,000 |
| Monroe, MI | 17 | $ 3,555,000 | $ 209,117 | $ 66,000 |
| San Francisco-Redwood City-South San Francisco, CA | 17 | $ 11,865,000 | $ 697,941 | $ 318,000 |
| Warner Robins, GA | 17 | $ 4,015,000 | $ 236,176 | $ 136,000 |
| Corpus Christi, TX | 16 | $ 4,390,000 | $ 274,375 | $ 129,000 |
| Florence, SC | 16 | $ 2,220,000 | $ 138,750 | $ 92,000 |
| Greenville, NC | 16 | $ 3,760,000 | $ 235,000 | $ 87,000 |
| Huntington-Ashland, WV-KY-OH | 16 | $ 3,100,000 | $ 193,750 | $ 104,375 |
| Evansville, IN-KY | 15 | $ 2,155,000 | $ 143,666 | $ 83,600 |
| Lafayette, LA | 15 | $ 2,785,000 | $ 185,666 | $ 88,000 |
| Mansfield, OH | 15 | $ 2,795,000 | $ 186,333 | $ 60,000 |
| Owensboro, KY | 15 | $ 2,695,000 | $ 179,666 | $ 87,000 |
| Prescott Valley-Prescott, AZ | 15 | $ 4,695,000 | $ 313,000 | $ 137,000 |
| Rocky Mount, NC | 15 | $ 3,025,000 | $ 201,666 | $ 76,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 15 | $ 5,615,000 | $ 374,333 | $ 184,000 |
| Santa Fe, NM | 15 | $ 3,725,000 | $ 248,333 | $ 103,000 |
| Vallejo-Fairfield, CA | 15 | $ 6,225,000 | $ 415,000 | $ 166,000 |
| Visalia-Porterville, CA | 15 | $ 3,415,000 | $ 227,666 | $ 78,000 |
| Bloomington, IN | 14 | $ 2,850,000 | $ 203,571 | $ 102,000 |
| Brownsville-Harlingen, TX | 14 | $ 3,100,000 | $ 221,428 | $ 78,000 |
| Champaign-Urbana, IL | 14 | $ 2,140,000 | $ 152,857 | $ 91,000 |
| Elizabethtown-Fort Knox, KY | 14 | $ 2,680,000 | $ 191,428 | $ 82,000 |
| Little Rock-North Little Rock-Conway, AR | 14 | $ 1,940,000 | $ 138,571 | $ 125,000 |
| Morristown, TN | 14 | $ 2,770,000 | $ 197,857 | $ 71,000 |
| Racine, WI | 14 | $ 2,390,000 | $ 170,714 | $ 87,000 |
| Sumter, SC | 14 | $ 2,730,000 | $ 195,000 | $ 70,000 |
| Topeka, KS | 14 | $ 2,810,000 | $ 200,714 | $ 120,000 |
| Eugene, OR | 13 | $ 3,505,000 | $ 269,615 | $ 120,000 |
| Jackson, TN | 13 | $ 2,355,000 | $ 181,153 | $ 60,000 |
| Lake Charles, LA | 13 | $ 2,315,000 | $ 178,076 | $ 78,000 |
| Modesto, CA | 13 | $ 3,665,000 | $ 281,923 | $ 148,000 |
| Albany, GA | 12 | $ 1,950,000 | $ 162,500 | $ 68,000 |
| Bend-Redmond, OR | 12 | $ 3,140,000 | $ 261,666 | $ 106,000 |
| Coeur D'Alene, ID | 12 | $ 4,110,000 | $ 342,500 | $ 151,000 |
| Columbia, MO | 12 | $ 2,710,000 | $ 225,833 | $ 124,000 |
| Jackson, MI | 12 | $ 2,070,000 | $ 172,500 | $ 76,000 |
| Joplin, MO | 12 | $ 1,650,000 | $ 137,500 | $ 99,000 |
| Macon-Bibb County, GA | 12 | $ 2,300,000 | $ 191,666 | $ 70,000 |
| Michigan City-La Porte, IN | 12 | $ 2,160,000 | $ 180,000 | $ 102,000 |
| Midland, TX | 12 | $ 2,900,000 | $ 241,666 | $ 107,000 |
| Salinas, CA | 12 | $ 5,090,000 | $ 424,166 | $ 146,000 |
| Sierra Vista-Douglas, AZ | 12 | $ 2,340,000 | $ 195,000 | $ 98,000 |
| St. George, UT | 12 | $ 4,320,000 | $ 360,000 | $ 114,000 |
| Amarillo, TX | 11 | $ 2,425,000 | $ 220,454 | $ 82,000 |
| Beaumont-Port Arthur, TX | 11 | $ 2,235,000 | $ 203,181 | $ 88,000 |
| Bowling Green, KY | 11 | $ 2,445,000 | $ 222,272 | $ 54,000 |
| Cedar Rapids, IA | 11 | $ 1,675,000 | $ 152,272 | $ 65,000 |
| Chambersburg-Waynesboro, PA | 11 | $ 2,395,000 | $ 217,727 | $ 116,000 |
| Cleveland, TN | 11 | $ 2,595,000 | $ 235,909 | $ 111,000 |
| Hammond, LA | 11 | $ 2,195,000 | $ 199,545 | $ 90,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 11 | $ 4,755,000 | $ 432,272 | $ 180,000 |
| Redding, CA | 11 | $ 2,025,000 | $ 184,090 | $ 136,000 |
| Springfield, IL | 11 | $ 1,705,000 | $ 155,000 | $ 113,000 |
| Valdosta, GA | 11 | $ 2,365,000 | $ 215,000 | $ 114,000 |
| Walla Walla, WA | 11 | $ 3,625,000 | $ 329,545 | $ 100,000 |
| Dothan, AL | 10 | $ 2,400,000 | $ 240,000 | $ 153,000 |
| Farmington, NM | 10 | $ 1,750,000 | $ 175,000 | $ 95,000 |
| Gettysburg, PA | 10 | $ 1,900,000 | $ 190,000 | $ 106,000 |
| Grand Junction, CO | 10 | $ 2,280,000 | $ 228,000 | $ 120,000 |
| Las Cruces, NM | 10 | $ 2,040,000 | $ 204,000 | $ 104,000 |
| Rome, GA | 10 | $ 1,590,000 | $ 159,000 | $ 62,000 |
| Santa Maria-Santa Barbara, CA | 10 | $ 4,730,000 | $ 473,000 | $ 183,000 |
| Sherman-Denison, TX | 10 | $ 3,340,000 | $ 334,000 | $ 134,000 |
| Weirton-Steubenville, WV-OH | 10 | $ 1,470,000 | $ 147,000 | $ 68,300 |
| Yuma, AZ | 10 | $ 2,330,000 | $ 233,000 | $ 100,000 |
| Bellingham, WA | 9 | $ 3,625,000 | $ 402,777 | $ 114,000 |
| Bloomsburg-Berwick, PA | 9 | $ 1,155,000 | $ 128,333 | $ 113,000 |
| Decatur, AL | 9 | $ 1,855,000 | $ 206,111 | $ 94,000 |
| Duluth, MN-WI | 9 | $ 2,375,000 | $ 263,888 | $ 147,000 |
| Idaho Falls, ID | 9 | $ 2,395,000 | $ 266,111 | $ 95,000 |
| Santa Rosa, CA | 9 | $ 3,475,000 | $ 386,111 | $ 169,000 |
| Waco, TX | 9 | $ 2,185,000 | $ 242,777 | $ 113,000 |
| Wheeling, WV-OH | 9 | $ 1,465,000 | $ 162,777 | $ 172,000 |
| Yuba City, CA | 9 | $ 1,985,000 | $ 220,555 | $ 135,000 |
| Battle Creek, MI | 8 | $ 1,250,000 | $ 156,250 | $ 68,000 |
| Bay City, MI | 8 | $ 1,080,000 | $ 135,000 | $ 106,000 |
| Chico, CA | 8 | $ 2,370,000 | $ 296,250 | $ 89,000 |
| Cumberland, MD-WV | 8 | $ 1,680,000 | $ 210,000 | $ 88,000 |
| Florence-Muscle Shoals, AL | 8 | $ 1,760,000 | $ 220,000 | $ 93,000 |
| Gadsden, AL | 8 | $ 1,790,000 | $ 223,750 | $ 88,000 |
| Grand Forks, ND-MN | 8 | $ 1,590,000 | $ 198,750 | $ 91,000 |
| Kalamazoo-Portage, MI | 8 | $ 1,200,000 | $ 150,000 | $ 69,000 |
| Albany, OR | 7 | $ 1,355,000 | $ 193,571 | $ 73,000 |
| Altoona, PA | 7 | $ 1,825,000 | $ 260,714 | $ 85,000 |
| Boulder, CO | 7 | $ 3,325,000 | $ 475,000 | $ 153,000 |
| Brunswick, GA | 7 | $ 1,765,000 | $ 252,142 | $ 95,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 2,775,000 | $ 396,428 | $ 168,000 |
| Merced, CA | 7 | $ 1,905,000 | $ 272,142 | $ 129,000 |
| Monroe, LA | 7 | $ 1,165,000 | $ 166,428 | $ 75,000 |
| Odessa, TX | 7 | $ 1,585,000 | $ 226,428 | $ 76,000 |
| San Rafael, CA | 7 | $ 5,625,000 | $ 803,571 | $ 330,000 |
| Tuscaloosa, AL | 7 | $ 1,375,000 | $ 196,428 | $ 65,000 |
| Wenatchee, WA | 7 | $ 3,045,000 | $ 435,000 | $ 164,000 |
| Anniston-Oxford-Jacksonville, AL | 6 | $ 1,040,000 | $ 173,333 | $ 76,000 |
| Bloomington, IL | 6 | $ 1,220,000 | $ 203,333 | $ 109,000 |
| Cape Girardeau, MO-IL | 6 | $ 1,180,000 | $ 196,666 | $ 159,000 |
| College Station-Bryan, TX | 6 | $ 1,500,000 | $ 250,000 | $ 164,000 |
| Houma-Thibodaux, LA | 6 | $ 700,000 | $ 116,666 | $ 80,000 |
| Iowa City, IA | 6 | $ 2,430,000 | $ 405,000 | $ 184,000 |
| Janesville-Beloit, WI | 6 | $ 790,000 | $ 131,666 | $ 55,000 |
| Kankakee, IL | 6 | $ 920,000 | $ 153,333 | $ 67,000 |
| Lincoln, NE | 6 | $ 2,400,000 | $ 400,000 | $ 225,000 |
| Longview, TX | 6 | $ 1,210,000 | $ 201,666 | $ 89,000 |
| Lubbock, TX | 6 | $ 990,000 | $ 165,000 | $ 84,000 |
| Muncie, IN | 6 | $ 740,000 | $ 123,333 | $ 98,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 1,050,000 | $ 175,000 | $ 94,333 |
| Sebring, FL | 6 | $ 1,240,000 | $ 206,666 | $ 71,000 |
| Staunton-Waynesboro, VA | 6 | $ 1,120,000 | $ 186,666 | $ 108,000 |
| Wausau, WI | 6 | $ 890,000 | $ 148,333 | $ 71,000 |
| Williamsport, PA | 6 | $ 1,320,000 | $ 220,000 | $ 133,000 |
| Abilene, TX | 5 | $ 885,000 | $ 177,000 | $ 70,000 |
| Billings, MT | 5 | $ 1,665,000 | $ 333,000 | $ 96,000 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 1,525,000 | $ 305,000 | $ 194,000 |
| Columbus, IN | 5 | $ 1,255,000 | $ 251,000 | $ 78,000 |
| Dalton, GA | 5 | $ 785,000 | $ 157,000 | $ 98,000 |
| Flagstaff, AZ | 5 | $ 1,685,000 | $ 337,000 | $ 147,000 |
| Great Falls, MT | 5 | $ 995,000 | $ 199,000 | $ 126,000 |
| Hanford-Corcoran, CA | 5 | $ 1,535,000 | $ 307,000 | $ 87,000 |
| Lawrence, KS | 5 | $ 805,000 | $ 161,000 | $ 102,000 |
| Lewiston, ID-WA | 5 | $ 945,000 | $ 189,000 | $ 58,800 |
| Longview, WA | 5 | $ 885,000 | $ 177,000 | $ 66,000 |
| Muskegon, MI | 5 | $ 1,045,000 | $ 209,000 | $ 94,000 |
| Pittsfield, MA | 5 | $ 1,095,000 | $ 219,000 | $ 70,000 |
| Rochester, MN | 5 | $ 915,000 | $ 183,000 | $ 112,000 |
| Sioux City, IA-NE-SD | 5 | $ 1,145,000 | $ 229,000 | $ 64,000 |
| Terre Haute, IN | 5 | $ 905,000 | $ 181,000 | $ 113,000 |
| Twin Falls, ID | 5 | $ 645,000 | $ 129,000 | $ 76,000 |
| Tyler, TX | 5 | $ 1,395,000 | $ 279,000 | $ 110,000 |
| Bismarck, ND | 4 | $ 790,000 | $ 197,500 | $ 64,000 |
| Carbondale-Marion, IL | 4 | $ 650,000 | $ 162,500 | $ 41,000 |
| Charleston, WV | 4 | $ 450,000 | $ 112,500 | $ 58,000 |
| Dubuque, IA | 4 | $ 750,000 | $ 187,500 | $ 101,000 |
| Goldsboro, NC | 4 | $ 840,000 | $ 210,000 | $ 74,000 |
| Grants Pass, OR | 4 | $ 1,370,000 | $ 342,500 | $ 125,000 |
| Johnstown, PA | 4 | $ 360,000 | $ 90,000 | $ 47,000 |
| Kokomo, IN | 4 | $ 730,000 | $ 182,500 | $ 70,000 |
| Logan, UT-ID | 4 | $ 1,390,000 | $ 347,500 | $ 86,000 |
| Medford, OR | 4 | $ 1,870,000 | $ 467,500 | $ 203,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,650,000 | $ 412,500 | $ 152,000 |
| Oshkosh-Neenah, WI | 4 | $ 410,000 | $ 102,500 | $ 105,000 |
| Pocatello, ID | 4 | $ 790,000 | $ 197,500 | $ 100,000 |
| St. Cloud, MN | 4 | $ 550,000 | $ 137,500 | $ 106,000 |
| Appleton, WI | 3 | $ 575,000 | $ 191,666 | $ 89,000 |
| Corvallis, OR | 3 | $ 925,000 | $ 308,333 | $ 132,000 |
| Decatur, IL | 3 | $ 295,000 | $ 98,333 | $ 81,000 |
| Fond Du Lac, WI | 3 | $ 445,000 | $ 148,333 | $ 50,000 |
| Hattiesburg, MS | 3 | $ 505,000 | $ 168,333 | $ 73,000 |
| Hinesville, GA | 3 | $ 505,000 | $ 168,333 | $ 68,000 |
| Manhattan, KS | 3 | $ 425,000 | $ 141,666 | $ 114,000 |
| Midland, MI | 3 | $ 665,000 | $ 221,666 | $ 153,000 |
| Morgantown, WV | 3 | $ 675,000 | $ 225,000 | $ 151,000 |
| Saginaw, MI | 3 | $ 375,000 | $ 125,000 | $ 58,000 |
| San Angelo, TX | 3 | $ 665,000 | $ 221,666 | $ 77,000 |
| Sheboygan, WI | 3 | $ 535,000 | $ 178,333 | $ 120,000 |
| St. Joseph, MO-KS | 3 | $ 415,000 | $ 138,333 | $ 100,000 |
| Victoria, TX | 3 | $ 395,000 | $ 131,666 | $ 44,000 |
| Danville, IL | 2 | $ 300,000 | $ 150,000 | $ 63,000 |
| Eau Claire, WI | 2 | $ 610,000 | $ 305,000 | $ 127,000 |
| Enid, OK | 2 | $ 280,000 | $ 140,000 | $ 57,000 |
| Fargo, ND-MN | 2 | $ 720,000 | $ 360,000 | $ 160,000 |
| Fort Smith, AR-OK | 2 | $ 840,000 | $ 420,000 | $ 117,000 |
| Jefferson City, MO | 2 | $ 450,000 | $ 225,000 | $ 43,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 810,000 | $ 405,000 | $ 117,500 |
| Laredo, TX | 2 | $ 500,000 | $ 250,000 | $ 73,000 |
| Lawton, OK | 2 | $ 390,000 | $ 195,000 | $ 58,000 |
| Madera, CA | 2 | $ 480,000 | $ 240,000 | $ 58,000 |
| Mankato-North Mankato, MN | 2 | $ 230,000 | $ 115,000 | $ 92,000 |
| Missoula, MT | 2 | $ 510,000 | $ 255,000 | $ 146,000 |
| Portland-South Portland, ME | 2 | $ 550,000 | $ 275,000 | $ 107,000 |
| Pueblo, CO | 2 | $ 560,000 | $ 280,000 | $ 50,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 550,000 | $ 275,000 | $ 102,000 |
| Beckley, WV | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| El Centro, CA | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Jonesboro, AR | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Lewiston-Auburn, ME | 1 | $ 225,000 | $ 225,000 | $ 97,000 |
| Pine Bluff, AR | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 105,000 | $ 105,000 | $ 214,000 |
| Wichita Falls, TX | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Lower, LLC in 2022
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 | 13,151 | $4,025,115,000 | $306,000 | $4,805,000 | $115,000 | $6,430,000 |
| Cash-out Refinancing | 12,707 | $2,932,185,000 | $230,000 | $13,755,000 | $121,000 | $3,500,000 |
| Refinancing | 5,378 | $1,523,525,000 | $283,000 | $11,195,000 | $131,000 | $1,980,000 |
| Home Improvement | 34 | $11,100,000 | $326,000 | $715,000 | $138,000 | $358,000 |
| Other Purpose | 1 | $95,000 | $95,000 | $95,000 | $71,000 | $71,000 |
| 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 | 15,160 | $3,980,775,000 | $262,000 | $13,755,000 | $123,000 | $5,440,000 |
| Not Provided | 9,102 | $2,464,370,000 | $270,000 | $3,285,000 | $120,000 | $3,797,000 |
| Black or African American | 2,995 | $850,505,000 | $283,000 | $3,285,000 | $112,000 | $6,430,000 |
| Hispanic | 2,798 | $792,520,000 | $283,000 | $1,225,000 | $106,000 | $5,763,000 |
| Asian | 1,033 | $351,095,000 | $339,000 | $1,335,000 | $142,000 | $1,040,000 |
| American Indian or Alaskan Native | 122 | $34,560,000 | $283,000 | $1,245,000 | $112,000 | $587,000 |
| Native Hawaiian or Other Pacific Islander | 56 | $16,150,000 | $288,000 | $835,000 | $115,000 | $409,000 |
| 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) | 22,123 | $5,874,890,000 | $265,000 | $13,755,000 | $133,000 | $6,430,000 |
| FHA-insured (Federal Housing Administration) | 6,867 | $1,806,975,000 | $263,000 | $3,625,000 | $86,000 | $5,763,000 |
| VA-guaranteed (Veterans Administration) | 2,084 | $772,550,000 | $370,000 | $2,345,000 | $107,000 | $587,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 197 | $37,605,000 | $190,000 | $385,000 | $60,000 | $120,000 |
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 | 13,979 | $3,939,695,000 | $281,000 | $3,285,000 | $117,000 | $6,430,000 |
| Application Withdrawn By Applicant | 9,568 | $2,529,750,000 | $264,000 | $13,755,000 | $129,000 | $5,763,000 |
| Application Denied By Financial Institution | 4,951 | $1,256,230,000 | $253,000 | $2,515,000 | $112,000 | $5,199,000 |
| File Closed For Incompleteness | 2,524 | $704,520,000 | $279,000 | $3,055,000 | $123,000 | $3,500,000 |
| Application Approved But Not Accepted | 249 | $61,825,000 | $248,000 | $775,000 | $134,000 | $1,133,000 |
| 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 | 26,320 | $7,235,790,000 | $274,000 | $13,755,000 | $122,000 | $6,430,000 |
| Credit Application Incomplete | 1,725 | $461,005,000 | $267,000 | $2,205,000 | $120,000 | $5,199,000 |
| Other | 1,019 | $214,155,000 | $210,000 | $2,515,000 | $137,000 | $2,200,000 |
| Debt-To-Income Ratio | 1,001 | $274,555,000 | $274,000 | $2,345,000 | $79,000 | $1,200,000 |
| Credit History | 623 | $155,355,000 | $249,000 | $1,905,000 | $106,000 | $618,000 |
| Collateral | 351 | $89,860,000 | $256,000 | $895,000 | $110,000 | $550,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 115 | $30,575,000 | $265,000 | $1,605,000 | $96,000 | $394,000 |
| Employment History | 99 | $24,435,000 | $246,000 | $675,000 | $89,000 | $330,000 |
| Unverifiable Information | 18 | $6,290,000 | $349,000 | $875,000 | $134,000 | $541,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lower, LLC's 2022 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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