Lower, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Lower, Llc 2023 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 | 13,169 |
| Total Mortgage Loan Application Amount | $3,729,515,000 |
| Average Mortgage Loan Application Amount | $255,200 |
| Highest Mortgage Loan Application Amount | $3,015,000 |
| Average Applicant Income | $137,400 |
| Highest Applicant Income | $8,432,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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) | 1,518 | $ 302,090,000 | $ 206,775 | $ 101,250 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 726 | $ 290,000,000 | $ 351,750 | $ 113,500 |
| DALLAS-PLANO-IRVING, TX | 675 | $ 292,215,000 | $ 432,000 | $ 149,000 |
| COLUMBUS, OH | 559 | $ 167,235,000 | $ 299,000 | $ 145,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 493 | $ 133,305,000 | $ 270,000 | $ 115,000 |
| CHICAGO-NAPERVILLE, IL | 452 | $ 119,990,000 | $ 265,000 | $ 136,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 402 | $ 119,590,000 | $ 297,000 | $ 117,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 297 | $ 93,245,000 | $ 313,000 | $ 125,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 259 | $ 56,685,000 | $ 210,500 | $ 96,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 238 | $ 67,340,000 | $ 282,000 | $ 119,000 |
| CAPE CORAL-FORT MYERS, FL | 235 | $ 60,435,000 | $ 257,000 | $ 109,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 216 | $ 77,110,000 | $ 356,000 | $ 135,000 |
| DES MOINES-WEST DES MOINES, IA | 180 | $ 44,580,000 | $ 247,000 | $ 99,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 175 | $ 53,075,000 | $ 303,000 | $ 120,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 154 | $ 34,550,000 | $ 214,000 | $ 101,500 |
| FORT WORTH-ARLINGTON, TX | 152 | $ 60,030,000 | $ 394,000 | $ 157,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 150 | $ 48,310,000 | $ 322,000 | $ 126,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 144 | $ 36,710,000 | $ 254,000 | $ 127,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 137 | $ 42,375,000 | $ 309,000 | $ 121,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 129 | $ 38,185,000 | $ 309,000 | $ 128,500 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 128 | $ 44,770,000 | $ 349,000 | $ 154,000 |
| GREENSBORO-HIGH POINT, NC | 122 | $ 29,380,000 | $ 240,000 | $ 102,000 |
| MCALLEN-EDINBURG-MISSION, TX | 121 | $ 28,355,000 | $ 234,000 | $ 220,000 |
| DENVER-AURORA-LAKEWOOD, CO | 117 | $ 45,925,000 | $ 392,000 | $ 137,000 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 112 | $ 43,330,000 | $ 386,000 | $ 139,000 |
| WINSTON-SALEM, NC | 108 | $ 26,030,000 | $ 241,000 | $ 95,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 105 | $ 32,555,000 | $ 310,000 | $ 130,000 |
| CINCINNATI, OH-KY-IN | 103 | $ 27,385,000 | $ 209,333 | $ 129,666 |
| CLARKSVILLE, TN-KY | 101 | $ 24,435,000 | $ 212,500 | $ 76,500 |
| CLEVELAND-ELYRIA, OH | 100 | $ 19,900,000 | $ 199,000 | $ 122,000 |
| ELGIN, IL | 99 | $ 30,115,000 | $ 304,000 | $ 124,000 |
| LEXINGTON-FAYETTE, KY | 98 | $ 25,570,000 | $ 260,000 | $ 112,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 88 | $ 25,990,000 | $ 345,500 | $ 121,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 85 | $ 19,685,000 | $ 231,000 | $ 105,000 |
| SALISBURY, MD-DE | 77 | $ 25,645,000 | $ 333,500 | $ 175,000 |
| WICHITA, KS | 77 | $ 15,895,000 | $ 206,000 | $ 97,000 |
| RALEIGH, NC | 76 | $ 23,420,000 | $ 308,000 | $ 121,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 71 | $ 18,775,000 | $ 264,000 | $ 103,000 |
| LAKELAND-WINTER HAVEN, FL | 71 | $ 18,855,000 | $ 265,000 | $ 110,000 |
| RICHMOND, VA | 71 | $ 19,235,000 | $ 270,000 | $ 131,000 |
| SPARTANBURG, SC | 70 | $ 17,680,000 | $ 252,000 | $ 101,000 |
| JACKSONVILLE, FL | 68 | $ 19,880,000 | $ 292,000 | $ 159,000 |
| KILLEEN-TEMPLE, TX | 66 | $ 16,590,000 | $ 251,000 | $ 89,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 66 | $ 13,190,000 | $ 199,000 | $ 130,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 65 | $ 19,735,000 | $ 283,500 | $ 118,500 |
| PUNTA GORDA, FL | 63 | $ 14,105,000 | $ 223,000 | $ 110,000 |
| CAMDEN, NJ | 62 | $ 13,720,000 | $ 221,000 | $ 124,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 62 | $ 21,390,000 | $ 345,000 | $ 153,000 |
| ALEXANDRIA, LA | 59 | $ 12,585,000 | $ 213,000 | $ 87,000 |
| KNOXVILLE, TN | 59 | $ 16,085,000 | $ 272,000 | $ 102,000 |
| AUSTIN-ROUND ROCK, TX | 56 | $ 22,110,000 | $ 394,000 | $ 145,000 |
| YAKIMA, WA | 56 | $ 16,720,000 | $ 298,000 | $ 157,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 55 | $ 10,115,000 | $ 183,000 | $ 96,000 |
| LANSING-EAST LANSING, MI | 54 | $ 9,550,000 | $ 176,000 | $ 84,000 |
| PROVO-OREM, UT | 53 | $ 21,385,000 | $ 403,000 | $ 141,000 |
| PORT ST. LUCIE, FL | 50 | $ 14,050,000 | $ 281,000 | $ 106,000 |
| TUSCALOOSA, AL | 49 | $ 8,545,000 | $ 174,000 | $ 86,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 46 | $ 12,880,000 | $ 331,500 | $ 139,000 |
| PITTSBURGH, PA | 46 | $ 9,440,000 | $ 205,000 | $ 104,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 45 | $ 11,875,000 | $ 313,500 | $ 132,000 |
| OWENSBORO, KY | 45 | $ 6,265,000 | $ 139,000 | $ 70,000 |
| NEW YORK-NEWARK, NY | 44 | $ 13,190,000 | $ 299,000 | $ 144,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 43 | $ 23,485,000 | $ 546,000 | $ 176,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 43 | $ 13,375,000 | $ 311,000 | $ 135,000 |
| WILMINGTON, NC | 40 | $ 13,560,000 | $ 339,000 | $ 142,000 |
| BOWLING GREEN, KY | 38 | $ 9,250,000 | $ 243,000 | $ 104,000 |
| KENNEWICK-RICHLAND, WA | 37 | $ 10,455,000 | $ 282,000 | $ 109,000 |
| DAYTON-SPRINGFIELD-KETTERING, OH | 36 | $ 7,850,000 | $ 218,000 | $ 103,000 |
| TOLEDO, OH | 36 | $ 5,460,000 | $ 151,000 | $ 104,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 35 | $ 14,125,000 | $ 403,000 | $ 162,000 |
| NEWARK, NJ-PA | 35 | $ 13,695,000 | $ 313,000 | $ 122,500 |
| PHILADELPHIA, PA | 35 | $ 7,775,000 | $ 222,000 | $ 138,000 |
| COLUMBIA, SC | 34 | $ 8,600,000 | $ 252,000 | $ 109,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 34 | $ 11,140,000 | $ 327,000 | $ 111,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 34 | $ 8,590,000 | $ 252,000 | $ 122,000 |
| SPOKANE-SPOKANE VALLEY, WA | 34 | $ 11,010,000 | $ 323,000 | $ 111,000 |
| ST. LOUIS, MO-IL | 34 | $ 8,450,000 | $ 239,000 | $ 124,000 |
| WILMINGTON, DE-MD-NJ | 34 | $ 7,510,000 | $ 158,000 | $ 89,000 |
| BATON ROUGE, LA | 32 | $ 5,710,000 | $ 178,000 | $ 79,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 32 | $ 11,410,000 | $ 356,000 | $ 210,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 31 | $ 11,345,000 | $ 365,000 | $ 197,000 |
| KANSAS CITY, MO-KS | 31 | $ 6,505,000 | $ 205,000 | $ 113,000 |
| BIRMINGHAM-HOOVER, AL | 30 | $ 5,830,000 | $ 194,000 | $ 125,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 30 | $ 4,740,000 | $ 158,000 | $ 101,000 |
| AKRON, OH | 29 | $ 4,845,000 | $ 167,000 | $ 139,000 |
| DOVER, DE | 29 | $ 7,965,000 | $ 274,000 | $ 101,000 |
| HICKORY-LENOIR-MORGANTON, NC | 29 | $ 8,315,000 | $ 286,000 | $ 144,000 |
| OKLAHOMA CITY, OK | 29 | $ 6,385,000 | $ 220,000 | $ 137,000 |
| BURLINGTON, NC | 28 | $ 8,570,000 | $ 306,000 | $ 120,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 28 | $ 5,210,000 | $ 186,000 | $ 142,000 |
| MEMPHIS, TN-MS-AR | 28 | $ 6,540,000 | $ 229,000 | $ 155,000 |
| FAYETTEVILLE, NC | 27 | $ 10,405,000 | $ 385,000 | $ 118,000 |
| GARY, IN | 27 | $ 6,155,000 | $ 227,000 | $ 121,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 25 | $ 10,345,000 | $ 413,000 | $ 153,000 |
| COLORADO SPRINGS, CO | 25 | $ 8,245,000 | $ 329,000 | $ 121,000 |
| NEW ORLEANS-METAIRIE, LA | 25 | $ 6,525,000 | $ 261,000 | $ 105,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 24 | $ 5,230,000 | $ 219,500 | $ 92,500 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 24 | $ 8,250,000 | $ 343,000 | $ 123,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 24 | $ 9,650,000 | $ 402,000 | $ 173,000 |
| SPRINGFIELD, MO | 24 | $ 4,870,000 | $ 202,000 | $ 108,000 |
| HARRISBURG-CARLISLE, PA | 23 | $ 4,425,000 | $ 192,000 | $ 89,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 23 | $ 14,025,000 | $ 609,000 | $ 189,000 |
| AMES, IA | 22 | $ 4,290,000 | $ 195,000 | $ 81,000 |
| DURHAM-CHAPEL HILL, NC | 22 | $ 5,570,000 | $ 253,000 | $ 108,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 22 | $ 5,010,000 | $ 227,000 | $ 88,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 22 | $ 8,640,000 | $ 354,000 | $ 131,000 |
| SALT LAKE CITY, UT | 22 | $ 7,450,000 | $ 338,000 | $ 163,000 |
| GREEN BAY, WI | 21 | $ 4,335,000 | $ 206,000 | $ 87,000 |
| STATE COLLEGE, PA | 21 | $ 4,925,000 | $ 234,000 | $ 112,000 |
| APPLETON, WI | 20 | $ 4,650,000 | $ 232,000 | $ 90,000 |
| GREELEY, CO | 20 | $ 7,050,000 | $ 352,000 | $ 106,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 19 | $ 4,875,000 | $ 256,000 | $ 81,000 |
| LAFAYETTE, LA | 19 | $ 3,825,000 | $ 201,000 | $ 74,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 19 | $ 7,975,000 | $ 419,000 | $ 376,000 |
| ROCKFORD, IL | 19 | $ 2,635,000 | $ 138,000 | $ 77,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 19 | $ 7,045,000 | $ 370,000 | $ 225,000 |
| ST. GEORGE, UT | 19 | $ 6,725,000 | $ 353,000 | $ 129,000 |
| CHATTANOOGA, TN-GA | 18 | $ 4,440,000 | $ 182,500 | $ 100,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 18 | $ 8,330,000 | $ 462,000 | $ 149,000 |
| AUBURN-OPELIKA, AL | 17 | $ 3,005,000 | $ 176,000 | $ 100,000 |
| BOSTON, MA | 16 | $ 4,160,000 | $ 260,000 | $ 125,000 |
| BROWNSVILLE-HARLINGEN, TX | 16 | $ 3,750,000 | $ 234,000 | $ 107,000 |
| EAST STROUDSBURG, PA | 16 | $ 3,540,000 | $ 221,000 | $ 156,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 16 | $ 4,000,000 | $ 251,000 | $ 86,500 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 16 | $ 3,360,000 | $ 210,000 | $ 123,000 |
| JACKSONVILLE, NC | 16 | $ 4,100,000 | $ 256,000 | $ 94,000 |
| WORCESTER, MA-CT | 16 | $ 3,950,000 | $ 255,000 | $ 101,500 |
| JACKSON, MS | 15 | $ 3,275,000 | $ 218,000 | $ 81,000 |
| BAKERSFIELD, CA | 14 | $ 3,310,000 | $ 236,000 | $ 110,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 14 | $ 3,800,000 | $ 271,000 | $ 127,000 |
| GAINESVILLE, GA | 14 | $ 4,390,000 | $ 313,000 | $ 101,000 |
| OCALA, FL | 14 | $ 2,630,000 | $ 187,000 | $ 86,000 |
| OSHKOSH-NEENAH, WI | 14 | $ 2,310,000 | $ 165,000 | $ 72,000 |
| SAVANNAH, GA | 14 | $ 3,620,000 | $ 258,000 | $ 110,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 13 | $ 8,845,000 | $ 680,000 | $ 240,000 |
| HUNTSVILLE, AL | 13 | $ 4,595,000 | $ 353,000 | $ 210,000 |
| MONROE, LA | 13 | $ 2,495,000 | $ 191,000 | $ 105,000 |
| PUEBLO, CO | 13 | $ 3,085,000 | $ 237,000 | $ 62,000 |
| SAN DIEGO-CARLSBAD, CA | 13 | $ 7,415,000 | $ 570,000 | $ 157,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 12 | $ 2,910,000 | $ 242,000 | $ 137,000 |
| CANTON-MASSILLON, OH | 12 | $ 1,640,000 | $ 136,000 | $ 110,000 |
| ROCKY MOUNT, NC | 12 | $ 2,350,000 | $ 195,000 | $ 76,000 |
| SEBASTIAN-VERO BEACH, FL | 12 | $ 3,230,000 | $ 269,000 | $ 152,000 |
| WINCHESTER, VA-WV | 12 | $ 3,400,000 | $ 202,000 | $ 77,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 12 | $ 1,640,000 | $ 158,500 | $ 78,500 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 11 | $ 2,675,000 | $ 243,000 | $ 115,000 |
| ROANOKE, VA | 11 | $ 2,565,000 | $ 233,000 | $ 94,000 |
| STOCKTON-LODI, CA | 11 | $ 3,615,000 | $ 328,000 | $ 130,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 10 | $ 2,290,000 | $ 229,000 | $ 133,000 |
| GRAND RAPIDS-WYOMING, MI | 10 | $ 2,180,000 | $ 218,000 | $ 135,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 10 | $ 3,410,000 | $ 341,000 | $ 226,000 |
| LANCASTER, PA | 10 | $ 2,310,000 | $ 231,000 | $ 98,000 |
| LYNCHBURG, VA | 10 | $ 2,180,000 | $ 218,000 | $ 107,000 |
| NORWICH-NEW LONDON, CT | 10 | $ 1,690,000 | $ 169,000 | $ 97,000 |
| PROVIDENCE-WARWICK, RI-MA | 10 | $ 2,720,000 | $ 272,000 | $ 123,000 |
| ALBUQUERQUE, NM | 9 | $ 2,615,000 | $ 290,000 | $ 105,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 9 | $ 2,255,000 | $ 250,500 | $ 123,000 |
| CHAMPAIGN-URBANA, IL | 9 | $ 1,745,000 | $ 193,000 | $ 77,000 |
| CORPUS CHRISTI, TX | 9 | $ 2,585,000 | $ 287,000 | $ 107,000 |
| HOMOSASSA SPRINGS, FL | 9 | $ 1,605,000 | $ 178,000 | $ 108,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 9 | $ 1,535,000 | $ 161,666 | $ 97,666 |
| LAKE HAVASU CITY-KINGMAN, AZ | 9 | $ 2,405,000 | $ 267,000 | $ 132,000 |
| LAS CRUCES, NM | 9 | $ 1,265,000 | $ 140,000 | $ 85,000 |
| MANSFIELD, OH | 9 | $ 1,945,000 | $ 216,000 | $ 116,000 |
| NEW HAVEN-MILFORD, CT | 9 | $ 1,745,000 | $ 193,000 | $ 146,000 |
| PEORIA, IL | 9 | $ 1,055,000 | $ 117,000 | $ 90,000 |
| TUCSON, AZ | 9 | $ 2,075,000 | $ 230,000 | $ 108,000 |
| ASHEVILLE, NC | 8 | $ 2,290,000 | $ 286,000 | $ 137,000 |
| CALIFORNIA-LEXINGTON PARK, MD | 8 | $ 2,240,000 | $ 280,000 | $ 154,000 |
| ELIZABETHTOWN-FORT KNOX, KY | 8 | $ 2,290,000 | $ 286,000 | $ 113,000 |
| GULFPORT-BILOXI-PASCAGOULA, MS | 8 | $ 1,940,000 | $ 242,000 | $ 111,000 |
| IOWA CITY, IA | 8 | $ 2,500,000 | $ 312,000 | $ 170,000 |
| PANAMA CITY, FL | 8 | $ 1,810,000 | $ 226,000 | $ 198,000 |
| TACOMA-LAKEWOOD, WA | 8 | $ 4,040,000 | $ 505,000 | $ 195,000 |
| YORK-HANOVER, PA | 8 | $ 1,550,000 | $ 193,000 | $ 83,000 |
| BILLINGS, MT | 7 | $ 2,645,000 | $ 377,000 | $ 230,000 |
| JOPLIN, MO | 7 | $ 1,295,000 | $ 185,000 | $ 94,000 |
| LUBBOCK, TX | 7 | $ 1,335,000 | $ 190,000 | $ 127,000 |
| MOBILE, AL | 7 | $ 1,095,000 | $ 156,000 | $ 77,000 |
| NEW BERN, NC | 7 | $ 1,685,000 | $ 240,000 | $ 98,000 |
| RACINE, WI | 7 | $ 1,345,000 | $ 192,000 | $ 84,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 7 | $ 2,325,000 | $ 332,000 | $ 132,000 |
| SEBRING, FL | 7 | $ 1,695,000 | $ 242,000 | $ 91,000 |
| SPRINGFIELD, MA | 7 | $ 1,445,000 | $ 206,000 | $ 86,000 |
| SPRINGFIELD, OH | 7 | $ 1,385,000 | $ 197,000 | $ 89,000 |
| TRENTON, NJ | 7 | $ 1,415,000 | $ 202,000 | $ 108,000 |
| BOULDER, CO | 6 | $ 1,650,000 | $ 275,000 | $ 141,000 |
| CHARLOTTESVILLE, VA | 6 | $ 1,590,000 | $ 265,000 | $ 239,000 |
| EL PASO, TX | 6 | $ 1,260,000 | $ 210,000 | $ 113,000 |
| ELKHART-GOSHEN, IN | 6 | $ 620,000 | $ 103,000 | $ 111,000 |
| ERIE, PA | 6 | $ 1,050,000 | $ 175,000 | $ 77,000 |
| FLORENCE, SC | 6 | $ 1,110,000 | $ 185,000 | $ 109,000 |
| FLORENCE-MUSCLE SHOALS, AL | 6 | $ 1,420,000 | $ 236,000 | $ 86,000 |
| GOLDSBORO, NC | 6 | $ 1,240,000 | $ 206,000 | $ 58,000 |
| MADISON, WI | 6 | $ 1,130,000 | $ 188,000 | $ 88,000 |
| MONTGOMERY, AL | 6 | $ 1,180,000 | $ 196,000 | $ 84,000 |
| OCEAN CITY, NJ | 6 | $ 1,430,000 | $ 238,000 | $ 63,000 |
| OGDEN-CLEARFIELD, UT | 6 | $ 1,810,000 | $ 301,000 | $ 139,000 |
| READING, PA | 6 | $ 1,300,000 | $ 216,000 | $ 80,000 |
| TALLAHASSEE, FL | 6 | $ 950,000 | $ 158,000 | $ 96,000 |
| VALDOSTA, GA | 6 | $ 1,060,000 | $ 176,000 | $ 79,000 |
| WACO, TX | 6 | $ 1,280,000 | $ 213,000 | $ 74,000 |
| ATHENS-CLARKE COUNTY, GA | 5 | $ 1,145,000 | $ 229,000 | $ 183,000 |
| BLOOMINGTON, IL | 5 | $ 905,000 | $ 181,000 | $ 159,000 |
| CEDAR RAPIDS, IA | 5 | $ 955,000 | $ 191,000 | $ 107,000 |
| COLUMBUS, GA-AL | 5 | $ 965,000 | $ 180,000 | $ 110,000 |
| GAINESVILLE, FL | 5 | $ 1,005,000 | $ 201,000 | $ 118,000 |
| KALAMAZOO-PORTAGE, MI | 5 | $ 1,435,000 | $ 287,000 | $ 182,000 |
| LIMA, OH | 5 | $ 915,000 | $ 183,000 | $ 76,000 |
| LINCOLN, NE | 5 | $ 595,000 | $ 119,000 | $ 53,000 |
| MACON-BIBB COUNTY, GA | 5 | $ 795,000 | $ 159,000 | $ 66,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 5 | $ 2,045,000 | $ 409,000 | $ 167,000 |
| SAGINAW, MI | 5 | $ 595,000 | $ 119,000 | $ 69,000 |
| BRUNSWICK, GA | 4 | $ 1,610,000 | $ 402,000 | $ 211,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 4 | $ 800,000 | $ 200,000 | $ 103,000 |
| HATTIESBURG, MS | 4 | $ 560,000 | $ 140,000 | $ 66,000 |
| LAFAYETTE-WEST LAFAYETTE, IN | 4 | $ 830,000 | $ 207,000 | $ 110,000 |
| LAKE CHARLES, LA | 4 | $ 560,000 | $ 140,000 | $ 136,000 |
| MODESTO, CA | 4 | $ 1,620,000 | $ 405,000 | $ 110,000 |
| MONROE, MI | 4 | $ 560,000 | $ 140,000 | $ 83,000 |
| MORRISTOWN, TN | 4 | $ 1,270,000 | $ 317,000 | $ 173,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 4 | $ 890,000 | $ 222,000 | $ 111,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 4 | $ 430,000 | $ 107,000 | $ 79,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 4 | $ 640,000 | $ 160,000 | $ 62,000 |
| THE VILLAGES, FL | 4 | $ 1,100,000 | $ 275,000 | $ 165,000 |
| VINELAND-BRIDGETON, NJ | 4 | $ 980,000 | $ 245,000 | $ 90,000 |
| VISALIA-PORTERVILLE, CA | 4 | $ 500,000 | $ 125,000 | $ 125,000 |
| WALLA WALLA, WA | 4 | $ 1,420,000 | $ 355,000 | $ 131,000 |
| WARNER ROBINS, GA | 4 | $ 720,000 | $ 180,000 | $ 85,000 |
| WHEELING, WV-OH | 4 | $ 480,000 | $ 120,000 | $ 69,000 |
| BAY CITY, MI | 3 | $ 315,000 | $ 105,000 | $ 53,000 |
| BOISE CITY, ID | 3 | $ 725,000 | $ 241,000 | $ 85,000 |
| BREMERTON-SILVERDALE, WA | 3 | $ 985,000 | $ 328,000 | $ 116,000 |
| CHICO, CA | 3 | $ 635,000 | $ 211,000 | $ 77,000 |
| COEUR D'ALENE, ID | 3 | $ 755,000 | $ 251,000 | $ 61,000 |
| COLLEGE STATION-BRYAN, TX | 3 | $ 875,000 | $ 291,000 | $ 104,000 |
| DANVILLE, IL | 3 | $ 355,000 | $ 118,000 | $ 84,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 3 | $ 675,000 | $ 225,000 | $ 60,000 |
| FLINT, MI | 3 | $ 425,000 | $ 141,000 | $ 51,000 |
| FOND DU LAC, WI | 3 | $ 575,000 | $ 191,000 | $ 99,000 |
| FORT COLLINS, CO | 3 | $ 685,000 | $ 228,000 | $ 63,000 |
| FORT WAYNE, IN | 3 | $ 595,000 | $ 198,000 | $ 56,000 |
| GRAND JUNCTION, CO | 3 | $ 795,000 | $ 265,000 | $ 103,000 |
| HOT SPRINGS, AR | 3 | $ 885,000 | $ 295,000 | $ 211,000 |
| JANESVILLE-BELOIT, WI | 3 | $ 435,000 | $ 145,000 | $ 87,000 |
| JOHNSON CITY, TN | 3 | $ 605,000 | $ 201,000 | $ 72,000 |
| KANKAKEE, IL | 3 | $ 755,000 | $ 251,000 | $ 116,000 |
| LAWRENCE, KS | 3 | $ 695,000 | $ 231,000 | $ 96,000 |
| LEBANON, PA | 3 | $ 295,000 | $ 98,000 | $ 88,000 |
| MANCHESTER-NASHUA, NH | 3 | $ 1,035,000 | $ 345,000 | $ 83,000 |
| MICHIGAN CITY-LA PORTE, IN | 3 | $ 315,000 | $ 105,000 | $ 112,000 |
| OLYMPIA-TUMWATER, WA | 3 | $ 1,155,000 | $ 385,000 | $ 58,000 |
| SALEM, OR | 3 | $ 635,000 | $ 211,000 | $ 100,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 3 | $ 2,785,000 | $ 928,000 | $ 287,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 3 | $ 645,000 | $ 215,000 | $ 93,000 |
| SHREVEPORT-BOSSIER CITY, LA | 3 | $ 635,000 | $ 211,000 | $ 50,000 |
| SUMTER, SC | 3 | $ 645,000 | $ 215,000 | $ 95,000 |
| AMARILLO, TX | 2 | $ 230,000 | $ 115,000 | $ 66,000 |
| BARNSTABLE TOWN, MA | 2 | $ 680,000 | $ 340,000 | $ 188,000 |
| BELLINGHAM, WA | 2 | $ 780,000 | $ 390,000 | $ 122,000 |
| BISMARCK, ND | 2 | $ 860,000 | $ 430,000 | $ 145,000 |
| COLUMBIA, MO | 2 | $ 540,000 | $ 270,000 | $ 179,000 |
| CUMBERLAND, MD-WV | 2 | $ 270,000 | $ 135,000 | $ 60,000 |
| DALTON, GA | 2 | $ 580,000 | $ 290,000 | $ 80,000 |
| DECATUR, IL | 2 | $ 200,000 | $ 100,000 | $ 50,000 |
| EAU CLAIRE, WI | 2 | $ 350,000 | $ 175,000 | $ 42,000 |
| EL CENTRO, CA | 2 | $ 200,000 | $ 100,000 | $ 91,000 |
| FRESNO, CA | 2 | $ 490,000 | $ 245,000 | $ 75,000 |
| GRANTS PASS, OR | 2 | $ 440,000 | $ 220,000 | $ 132,000 |
| GREAT FALLS, MT | 2 | $ 310,000 | $ 155,000 | $ 37,000 |
| HAMMOND, LA | 2 | $ 450,000 | $ 225,000 | $ 104,000 |
| HANFORD-CORCORAN, CA | 2 | $ 720,000 | $ 360,000 | $ 75,000 |
| HINESVILLE, GA | 2 | $ 480,000 | $ 240,000 | $ 73,000 |
| IDAHO FALLS, ID | 2 | $ 350,000 | $ 175,000 | $ 48,000 |
| JACKSON, TN | 2 | $ 380,000 | $ 190,000 | $ 78,000 |
| JOHNSTOWN, PA | 2 | $ 50,000 | $ 25,000 | $ 29,000 |
| LEWISTON, ID-WA | 2 | $ 240,000 | $ 120,000 | $ 66,000 |
| MADERA, CA | 2 | $ 210,000 | $ 105,000 | $ 116,000 |
| MANHATTAN, KS | 2 | $ 510,000 | $ 255,000 | $ 67,000 |
| MERCED, CA | 2 | $ 280,000 | $ 140,000 | $ 129,000 |
| NILES-BENTON HARBOR, MI | 2 | $ 600,000 | $ 300,000 | $ 175,000 |
| PITTSFIELD, MA | 2 | $ 320,000 | $ 160,000 | $ 135,000 |
| PORTLAND-SOUTH PORTLAND, ME | 2 | $ 650,000 | $ 325,000 | $ 83,000 |
| ROCHESTER, MN | 2 | $ 410,000 | $ 205,000 | $ 65,000 |
| SHERMAN-DENISON, TX | 2 | $ 370,000 | $ 185,000 | $ 100,000 |
| SIERRA VISTA-DOUGLAS, AZ | 2 | $ 460,000 | $ 230,000 | $ 111,000 |
| TOPEKA, KS | 2 | $ 330,000 | $ 165,000 | $ 205,000 |
| VALLEJO-FAIRFIELD, CA | 2 | $ 580,000 | $ 290,000 | $ 144,000 |
| WAUSAU, WI | 2 | $ 270,000 | $ 135,000 | $ 95,000 |
| WENATCHEE, WA | 2 | $ 980,000 | $ 490,000 | $ 117,000 |
| YUBA CITY, CA | 2 | $ 460,000 | $ 230,000 | $ 172,000 |
| ABILENE, TX | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| ALBANY, GA | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| ALBANY, OR | 1 | $ 365,000 | $ 365,000 | $ 77,000 |
| ALTOONA, PA | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| ANN ARBOR, MI | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| ANNISTON-OXFORD-JACKSONVILLE, AL | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| BEAUMONT-PORT ARTHUR, TX | 1 | $ 125,000 | $ 125,000 | $ 203,000 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| BLOOMINGTON, IN | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| CARBONDALE-MARION, IL | 1 | $ 235,000 | $ 235,000 | $ 106,000 |
| DOTHAN, AL | 1 | $ 215,000 | $ 215,000 | $ 78,000 |
| DUBUQUE, IA | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| EUGENE, OR | 1 | $ 485,000 | $ 485,000 | $ 134,000 |
| EVANSVILLE, IN-KY | 1 | $ 165,000 | $ 165,000 | $ 94,000 |
| FORT SMITH, AR-OK | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| GADSDEN, AL | 1 | $ 245,000 | $ 245,000 | $ 23,000 |
| GREENVILLE, NC | 1 | $ 195,000 | $ 195,000 | $ 525,000 |
| HARRISONBURG, VA | 1 | $ 255,000 | $ 255,000 | $ 192,000 |
| JACKSON, MI | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| JONESBORO, AR | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| LEWISTON-AUBURN, ME | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| LONGVIEW, TX | 1 | $ 115,000 | $ 115,000 | $ 112,000 |
| LONGVIEW, WA | 1 | $ 545,000 | $ 545,000 | $ 116,000 |
| MIDLAND, MI | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| MIDLAND, TX | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 755,000 | $ 755,000 | $ 102,000 |
| MUNCIE, IN | 1 | $ 95,000 | $ 95,000 | $ 155,000 |
| SALINAS, CA | 1 | $ 715,000 | $ 715,000 | $ 180,000 |
| SAN ANGELO, TX | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 1 | $ 1,285,000 | $ 1,285,000 | $ 545,000 |
| SANTA MARIA-SANTA BARBARA, CA | 1 | $ 635,000 | $ 635,000 | $ 198,000 |
| SIOUX CITY, IA-NE-SD | 1 | $ 355,000 | $ 355,000 | $ 157,000 |
| SIOUX FALLS, SD | 1 | $ 225,000 | $ 225,000 | $ 11,000 |
| SPRINGFIELD, IL | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| ST. JOSEPH, MO-KS | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| STAUNTON-WAYNESBORO, VA | 1 | $ 385,000 | $ 385,000 | $ 132,000 |
| TULSA, OK | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| TWIN FALLS, ID | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| TYLER, TX | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| VICTORIA, TX | 1 | $ 115,000 | $ 115,000 | $ 150,000 |
| WEIRTON-STEUBENVILLE, WV-OH | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| WICHITA FALLS, TX | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| WILLIAMSPORT, PA | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
Mortgage Loan Application Detail Totals for Lower, Llc in 2023
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 | 10,468 | $3,058,580,000 | $292,000 | $3,015,000 | $120,000 | $8,432,000 |
| Cash-out Refinancing | 1,972 | $482,490,000 | $244,000 | $1,365,000 | $121,000 | $1,516,000 |
| Refinancing | 715 | $184,955,000 | $258,000 | $1,555,000 | $142,000 | $1,013,000 |
| Other Purpose | 12 | $3,030,000 | $252,000 | $605,000 | $121,000 | $276,000 |
| Home Improvement | 2 | $460,000 | $230,000 | $305,000 | $183,000 | $275,000 |
| 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 | 6,374 | $1,716,680,000 | $269,000 | $3,015,000 | $120,000 | $3,186,000 |
| Not Provided | 2,833 | $791,115,000 | $279,000 | $1,755,000 | $131,000 | $3,350,000 |
| Hispanic | 1,855 | $539,615,000 | $290,000 | $1,435,000 | $113,000 | $8,432,000 |
| Black or African American | 1,472 | $463,640,000 | $314,000 | $1,185,000 | $110,000 | $800,000 |
| Asian | 564 | $199,680,000 | $354,000 | $1,365,000 | $147,000 | $645,000 |
| American Indian or Alaskan Native | 52 | $14,500,000 | $278,000 | $1,115,000 | $97,000 | $302,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $3,850,000 | $240,000 | $635,000 | $120,000 | $255,000 |
| 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) | 8,177 | $2,200,755,000 | $269,000 | $3,015,000 | $136,000 | $8,432,000 |
| FHA-insured (Federal Housing Administration) | 3,734 | $1,090,540,000 | $292,000 | $965,000 | $94,000 | $763,000 |
| VA-guaranteed (Veterans Administration) | 1,098 | $408,980,000 | $372,000 | $1,425,000 | $112,000 | $653,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 160 | $29,240,000 | $182,000 | $375,000 | $66,000 | $152,000 |
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 | 8,747 | $2,528,005,000 | $289,000 | $1,955,000 | $121,000 | $6,963,000 |
| Application Withdrawn By Applicant | 2,240 | $601,590,000 | $268,000 | $3,015,000 | $133,000 | $8,432,000 |
| Application Denied By Financial Institution | 1,722 | $474,080,000 | $275,000 | $2,125,000 | $110,000 | $2,057,000 |
| File Closed For Incompleteness | 338 | $93,650,000 | $277,000 | $1,975,000 | $121,000 | $800,000 |
| Application Approved But Not Accepted | 122 | $32,190,000 | $263,000 | $725,000 | $130,000 | $411,000 |
| 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 | 11,447 | $3,255,435,000 | $284,000 | $3,015,000 | $123,000 | $8,432,000 |
| Credit Application Incomplete | 773 | $216,415,000 | $279,000 | $1,555,000 | $123,000 | $2,057,000 |
| Debt-To-Income Ratio | 350 | $105,430,000 | $301,000 | $2,125,000 | $82,000 | $1,399,000 |
| Other | 169 | $41,275,000 | $244,000 | $1,035,000 | $119,000 | $547,000 |
| Collateral | 157 | $39,685,000 | $252,000 | $865,000 | $117,000 | $490,000 |
| Credit History | 135 | $32,035,000 | $237,000 | $775,000 | $95,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 58 | $14,120,000 | $243,000 | $555,000 | $90,000 | $487,000 |
| Employment History | 43 | $13,115,000 | $305,000 | $1,205,000 | $87,000 | $270,000 |
| Unverifiable Information | 37 | $12,005,000 | $324,000 | $825,000 | $137,000 | $487,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lower, Llc's 2023 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.