Lower, LLC Mortgage Lending & HMDA Data, 2024
In 2024, Lower, LLC of Columbia, MD reported 27,730 mortgage applications totaling $8.6 billion, up 111% from 2023. The average application was for $309,569, and applicants reported an average income of $131,962. 63% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,578), Chicago-Naperville, IL (1,167) and Columbus, OH (1,146) (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 | 27,730 |
| Total Mortgage Loan Application Amount | $8,584,350,000 |
| Average Mortgage Loan Application Amount | $309,569 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $131,962 |
| Highest Applicant Income | $9,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Lower, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 2,511 | $ 591,675,000 | $ 235,633 | $ 102,415 |
| Dallas-Plano-Irving, TX | 1,578 | $ 709,880,000 | $ 449,860 | $ 186,000 |
| Chicago-Naperville, IL | 1,167 | $ 371,755,000 | $ 318,556 | $ 154,000 |
| Columbus, OH | 1,146 | $ 348,720,000 | $ 304,293 | $ 135,000 |
| Atlanta-Sandy Springs-Roswell, GA | 895 | $ 258,465,000 | $ 288,787 | $ 111,000 |
| Denver-Aurora-Lakewood, CO | 884 | $ 377,210,000 | $ 426,708 | $ 145,000 |
| Dayton-Springfield-Kettering, OH | 632 | $ 133,820,000 | $ 211,740 | $ 100,000 |
| Fort Worth-Arlington, TX | 549 | $ 216,935,000 | $ 395,145 | $ 158,000 |
| Arlington-Alexandria-Reston, VA-WV | 546 | $ 267,920,000 | $ 490,695 | $ 153,468 |
| Houston-The Woodlands-Sugar Land, TX | 474 | $ 142,250,000 | $ 300,105 | $ 155,000 |
| Tampa, FL | 419 | $ 126,365,000 | $ 301,587 | $ 123,000 |
| Cincinnati, OH-KY-IN | 409 | $ 101,545,000 | $ 248,276 | $ 115,413 |
| San Antonio-New Braunfels, TX | 395 | $ 140,045,000 | $ 354,544 | $ 135,000 |
| Washington, DC-MD | 393 | $ 147,335,000 | $ 374,898 | $ 118,343 |
| Phoenix-Mesa-Scottsdale, AZ | 360 | $ 126,640,000 | $ 351,777 | $ 171,000 |
| Baltimore-Columbia-Towson, MD | 347 | $ 104,475,000 | $ 301,080 | $ 120,000 |
| Greenville-Anderson-Mauldin, SC | 345 | $ 97,505,000 | $ 282,623 | $ 118,000 |
| Davenport-Moline-Rock Island, IA-IL | 344 | $ 80,870,000 | $ 235,087 | $ 106,790 |
| Charlotte-Concord-Gastonia, NC-SC | 324 | $ 103,800,000 | $ 320,370 | $ 132,827 |
| Austin-Round Rock, TX | 306 | $ 121,240,000 | $ 396,209 | $ 184,000 |
| Louisville/Jefferson County, KY-IN | 298 | $ 71,920,000 | $ 241,342 | $ 106,758 |
| Charleston-North Charleston, SC | 287 | $ 85,415,000 | $ 297,613 | $ 104,000 |
| Columbia, SC | 245 | $ 55,555,000 | $ 226,755 | $ 94,000 |
| Indianapolis-Carmel-Anderson, IN | 234 | $ 53,950,000 | $ 230,555 | $ 121,000 |
| McAllen-Edinburg-Mission, TX | 227 | $ 51,935,000 | $ 228,788 | $ 101,000 |
| Cape Coral-Fort Myers, FL | 215 | $ 61,945,000 | $ 288,116 | $ 143,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 210 | $ 67,010,000 | $ 319,095 | $ 148,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 210 | $ 52,390,000 | $ 249,476 | $ 109,000 |
| Des Moines-West Des Moines, IA | 203 | $ 51,535,000 | $ 253,866 | $ 98,000 |
| Lake Charles, LA | 202 | $ 40,900,000 | $ 202,475 | $ 101,000 |
| Washington-Baltimore-Arlington, DC | 196 | $ 82,630,000 | $ 421,581 | $ 153,000 |
| Colorado Springs, CO | 194 | $ 75,140,000 | $ 387,319 | $ 123,000 |
| Orlando-Kissimmee-Sanford, FL | 192 | $ 60,350,000 | $ 314,322 | $ 126,000 |
| Elgin, IL | 191 | $ 61,525,000 | $ 322,120 | $ 147,000 |
| St. Petersburg-Clearwater-Largo, FL | 186 | $ 61,590,000 | $ 331,129 | $ 140,000 |
| Cleveland, OH | 183 | $ 39,915,000 | $ 218,114 | $ 128,000 |
| Baton Rouge, LA | 182 | $ 49,760,000 | $ 273,406 | $ 126,000 |
| Billings, MT | 177 | $ 51,825,000 | $ 292,796 | $ 114,000 |
| Marietta, GA | 175 | $ 53,525,000 | $ 305,857 | $ 131,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 171 | $ 51,405,000 | $ 300,614 | $ 120,964 |
| Lubbock, TX | 167 | $ 44,085,000 | $ 263,982 | $ 163,000 |
| Lynchburg, VA | 167 | $ 39,315,000 | $ 235,419 | $ 104,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 165 | $ 64,095,000 | $ 388,454 | $ 168,000 |
| Pueblo, CO | 163 | $ 40,355,000 | $ 247,576 | $ 74,000 |
| Lakeland-Winter Haven, FL | 156 | $ 40,670,000 | $ 260,705 | $ 112,000 |
| Knoxville, TN | 147 | $ 50,365,000 | $ 342,619 | $ 123,000 |
| Miami-Miami Beach-Kendall, FL | 138 | $ 52,520,000 | $ 380,579 | $ 166,000 |
| Jacksonville, FL | 136 | $ 37,710,000 | $ 277,279 | $ 141,000 |
| Greeley, CO | 134 | $ 50,620,000 | $ 377,761 | $ 118,000 |
| Midland, TX | 134 | $ 44,310,000 | $ 330,671 | $ 158,000 |
| Killeen-Temple, TX | 130 | $ 35,270,000 | $ 271,307 | $ 125,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 130 | $ 51,680,000 | $ 397,538 | $ 136,000 |
| Lakewood-New Brunswick, NJ | 124 | $ 42,170,000 | $ 340,080 | $ 159,000 |
| North Port-Sarasota-Bradenton, FL | 123 | $ 40,315,000 | $ 327,764 | $ 140,000 |
| Spartanburg, SC | 121 | $ 26,335,000 | $ 217,644 | $ 97,000 |
| Riverside-San Bernardino-Ontario, CA | 119 | $ 45,625,000 | $ 383,403 | $ 155,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 107 | $ 32,625,000 | $ 304,906 | $ 136,065 |
| Lake County-Kenosha County, IL-WI | 101 | $ 30,895,000 | $ 305,891 | $ 158,000 |
| Raleigh, NC | 99 | $ 35,555,000 | $ 359,141 | $ 161,000 |
| Kansas City, MO-KS | 97 | $ 23,525,000 | $ 242,525 | $ 118,092 |
| St. Louis, MO-IL | 97 | $ 26,755,000 | $ 275,824 | $ 140,226 |
| Warren-Troy-Farmington Hills, MI | 95 | $ 25,945,000 | $ 273,105 | $ 142,000 |
| Greensboro-High Point, NC | 94 | $ 21,360,000 | $ 227,234 | $ 104,000 |
| Los Angeles-Long Beach-Glendale, CA | 94 | $ 44,450,000 | $ 472,872 | $ 229,000 |
| Springfield, MO | 93 | $ 22,305,000 | $ 239,838 | $ 92,000 |
| Montgomery County-Bucks County-Chester County, PA | 88 | $ 31,060,000 | $ 352,954 | $ 143,000 |
| Pittsburgh, PA | 87 | $ 19,095,000 | $ 219,482 | $ 124,000 |
| Lexington-Fayette, KY | 86 | $ 26,300,000 | $ 305,813 | $ 134,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 86 | $ 34,160,000 | $ 397,209 | $ 169,000 |
| Las Vegas-Henderson-Paradise, NV | 84 | $ 31,510,000 | $ 375,119 | $ 140,000 |
| Harrisburg-Carlisle, PA | 83 | $ 19,635,000 | $ 236,566 | $ 108,000 |
| Punta Gorda, FL | 83 | $ 24,465,000 | $ 294,759 | $ 123,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 82 | $ 34,700,000 | $ 423,170 | $ 133,146 |
| Philadelphia, PA | 80 | $ 18,290,000 | $ 228,625 | $ 131,000 |
| Richmond, VA | 79 | $ 22,365,000 | $ 283,101 | $ 111,000 |
| Newark, NJ-PA | 78 | $ 33,070,000 | $ 423,974 | $ 177,000 |
| Oklahoma City, OK | 78 | $ 19,440,000 | $ 249,230 | $ 132,000 |
| Wichita Falls, TX | 77 | $ 13,905,000 | $ 180,584 | $ 115,000 |
| Brownsville-Harlingen, TX | 74 | $ 20,290,000 | $ 274,189 | $ 166,000 |
| Little Rock-North Little Rock-Conway, AR | 73 | $ 16,125,000 | $ 220,890 | $ 109,000 |
| Provo-Orem, UT | 73 | $ 33,715,000 | $ 461,849 | $ 184,000 |
| Wichita, KS | 71 | $ 15,565,000 | $ 219,225 | $ 100,000 |
| Birmingham-Hoover, AL | 70 | $ 18,800,000 | $ 268,571 | $ 125,000 |
| Hagerstown-Martinsburg, MD-WV | 68 | $ 21,150,000 | $ 311,029 | $ 112,647 |
| Milwaukee-Waukesha-West Allis, WI | 68 | $ 17,040,000 | $ 250,588 | $ 136,000 |
| Wilmington, NC | 68 | $ 27,710,000 | $ 407,500 | $ 212,000 |
| Camden, NJ | 67 | $ 18,685,000 | $ 278,880 | $ 148,000 |
| Memphis, TN-MS-AR | 67 | $ 18,795,000 | $ 280,522 | $ 101,358 |
| Roanoke, VA | 67 | $ 17,155,000 | $ 256,044 | $ 111,000 |
| New Orleans-Metairie, LA | 66 | $ 15,250,000 | $ 231,060 | $ 106,000 |
| Toledo, OH | 65 | $ 12,285,000 | $ 189,000 | $ 111,000 |
| Augusta-Richmond County, GA-SC | 64 | $ 12,910,000 | $ 201,718 | $ 92,171 |
| Boston, MA | 61 | $ 28,085,000 | $ 460,409 | $ 164,000 |
| Lake County-Porter County-Jasper County, IN | 59 | $ 13,365,000 | $ 226,525 | $ 130,000 |
| Tucson, AZ | 59 | $ 17,555,000 | $ 297,542 | $ 107,000 |
| Cambridge-Newton-Framingham, MA | 58 | $ 24,620,000 | $ 424,482 | $ 164,000 |
| Detroit-Dearborn-Livonia, MI | 57 | $ 11,605,000 | $ 203,596 | $ 102,000 |
| New York-Jersey City-White Plains, NY-NJ | 57 | $ 25,465,000 | $ 446,754 | $ 204,000 |
| Fort Wayne, IN | 55 | $ 13,495,000 | $ 245,363 | $ 100,000 |
| Palm Bay-Melbourne-Titusville, FL | 53 | $ 16,035,000 | $ 302,547 | $ 188,000 |
| Port St. Lucie, FL | 53 | $ 16,235,000 | $ 306,320 | $ 119,000 |
| San Diego-Carlsbad, CA | 53 | $ 25,415,000 | $ 479,528 | $ 189,000 |
| Akron, OH | 52 | $ 12,920,000 | $ 248,461 | $ 122,000 |
| Boulder, CO | 51 | $ 22,395,000 | $ 439,117 | $ 142,000 |
| Winston-Salem, NC | 51 | $ 12,115,000 | $ 237,549 | $ 93,000 |
| Clarksville, TN-KY | 50 | $ 13,380,000 | $ 267,600 | $ 107,680 |
| Scranton--Wilkes-Barre--Hazleton, PA | 50 | $ 10,190,000 | $ 203,800 | $ 89,000 |
| Hickory-Lenoir-Morganton, NC | 49 | $ 12,505,000 | $ 255,204 | $ 102,000 |
| Fort Collins, CO | 48 | $ 18,690,000 | $ 389,375 | $ 128,000 |
| Odessa, TX | 47 | $ 11,095,000 | $ 236,063 | $ 143,000 |
| Hartford-West Hartford-East Hartford, CT | 46 | $ 12,820,000 | $ 278,695 | $ 127,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 44 | $ 11,320,000 | $ 257,272 | $ 124,181 |
| Salt Lake City, UT | 44 | $ 17,750,000 | $ 403,409 | $ 174,000 |
| Springfield, OH | 44 | $ 8,380,000 | $ 190,454 | $ 83,000 |
| Ocala, FL | 43 | $ 9,375,000 | $ 218,023 | $ 83,000 |
| Atlantic City-Hammonton, NJ | 42 | $ 13,080,000 | $ 311,428 | $ 143,000 |
| Wilmington, DE-MD-NJ | 41 | $ 10,765,000 | $ 262,560 | $ 108,853 |
| Grand Rapids-Wyoming, MI | 38 | $ 8,900,000 | $ 234,210 | $ 96,000 |
| Seattle-Bellevue-Everett, WA | 38 | $ 17,250,000 | $ 453,947 | $ 181,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 37 | $ 10,245,000 | $ 276,891 | $ 99,000 |
| Oakland-Hayward-Berkeley, CA | 37 | $ 21,575,000 | $ 583,108 | $ 191,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 36 | $ 11,590,000 | $ 321,944 | $ 131,000 |
| Grand Junction, CO | 33 | $ 10,565,000 | $ 320,151 | $ 103,000 |
| Laredo, TX | 33 | $ 7,015,000 | $ 212,575 | $ 85,000 |
| Naples-Immokalee-Marco Island, FL | 33 | $ 9,755,000 | $ 295,606 | $ 157,000 |
| York-Hanover, PA | 33 | $ 9,175,000 | $ 278,030 | $ 133,000 |
| Durham-Chapel Hill, NC | 31 | $ 9,585,000 | $ 309,193 | $ 155,000 |
| Green Bay, WI | 31 | $ 8,075,000 | $ 260,483 | $ 98,000 |
| Joplin, MO | 31 | $ 6,515,000 | $ 210,161 | $ 120,000 |
| Lima, OH | 31 | $ 5,695,000 | $ 183,709 | $ 83,000 |
| Savannah, GA | 31 | $ 9,065,000 | $ 292,419 | $ 138,000 |
| Brunswick, GA | 30 | $ 8,820,000 | $ 294,000 | $ 193,000 |
| Dover, DE | 30 | $ 10,200,000 | $ 340,000 | $ 103,000 |
| Erie, PA | 30 | $ 5,500,000 | $ 183,333 | $ 88,000 |
| Bridgeport-Stamford-Norwalk, CT | 29 | $ 10,445,000 | $ 360,172 | $ 208,000 |
| Canton-Massillon, OH | 29 | $ 5,975,000 | $ 206,034 | $ 94,000 |
| Omaha-Council Bluffs, NE-IA | 29 | $ 6,595,000 | $ 227,413 | $ 97,689 |
| Tulsa, OK | 29 | $ 6,855,000 | $ 236,379 | $ 113,000 |
| Anaheim-Santa Ana-Irvine, CA | 28 | $ 15,170,000 | $ 541,785 | $ 302,000 |
| Crestview-Fort Walton Beach-Destin, FL | 28 | $ 10,090,000 | $ 360,357 | $ 149,000 |
| Gainesville, GA | 27 | $ 7,635,000 | $ 282,777 | $ 97,000 |
| New Haven-Milford, CT | 27 | $ 6,635,000 | $ 245,740 | $ 121,000 |
| Appleton, WI | 26 | $ 6,460,000 | $ 248,461 | $ 102,000 |
| Bakersfield, CA | 26 | $ 8,360,000 | $ 321,538 | $ 153,000 |
| Lexington Park, MD | 26 | $ 9,550,000 | $ 367,307 | $ 127,000 |
| Pensacola-Ferry Pass-Brent, FL | 26 | $ 7,790,000 | $ 299,615 | $ 117,000 |
| Waterbury-Shelton, CT | 26 | $ 5,920,000 | $ 227,692 | $ 135,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 25 | $ 10,025,000 | $ 401,000 | $ 107,000 |
| Lafayette, LA | 25 | $ 4,605,000 | $ 184,200 | $ 184,000 |
| Lancaster, PA | 25 | $ 7,395,000 | $ 295,800 | $ 131,000 |
| Macon-Bibb County, GA | 25 | $ 4,555,000 | $ 182,200 | $ 97,000 |
| Sumter, SC | 25 | $ 4,675,000 | $ 187,000 | $ 82,000 |
| Tacoma-Lakewood, WA | 25 | $ 9,495,000 | $ 379,800 | $ 136,000 |
| Winchester, VA-WV | 25 | $ 7,515,000 | $ 300,600 | $ 99,800 |
| Worcester, MA-CT | 25 | $ 8,435,000 | $ 337,400 | $ 139,000 |
| Albuquerque, NM | 24 | $ 6,420,000 | $ 267,500 | $ 96,000 |
| Asheville, NC | 24 | $ 8,800,000 | $ 366,666 | $ 130,000 |
| Florence, SC | 24 | $ 3,170,000 | $ 132,083 | $ 65,000 |
| Owensboro, KY | 23 | $ 3,015,000 | $ 131,086 | $ 83,000 |
| Providence-Warwick, RI-MA | 23 | $ 8,235,000 | $ 358,043 | $ 131,000 |
| Chattanooga, TN-GA | 22 | $ 6,680,000 | $ 303,636 | $ 92,545 |
| Fayetteville, NC | 22 | $ 5,150,000 | $ 234,090 | $ 117,000 |
| Harrisonburg, VA | 22 | $ 7,610,000 | $ 345,909 | $ 199,000 |
| Gulfport-Biloxi-Pascagoula, MS | 21 | $ 4,955,000 | $ 235,952 | $ 116,000 |
| Huntsville, AL | 21 | $ 6,035,000 | $ 287,380 | $ 123,000 |
| Kennewick-Richland, WA | 21 | $ 6,425,000 | $ 305,952 | $ 99,000 |
| Sebring, FL | 21 | $ 4,645,000 | $ 221,190 | $ 87,000 |
| Ames, IA | 20 | $ 5,420,000 | $ 271,000 | $ 107,000 |
| Homosassa Springs, FL | 20 | $ 4,810,000 | $ 240,500 | $ 87,000 |
| Huntington-Ashland, WV-KY-OH | 20 | $ 3,260,000 | $ 163,000 | $ 75,250 |
| Johnson City, TN | 20 | $ 4,480,000 | $ 224,000 | $ 67,000 |
| Ogden-Clearfield, UT | 20 | $ 7,250,000 | $ 362,500 | $ 204,000 |
| Spokane-Spokane Valley, WA | 20 | $ 8,930,000 | $ 446,500 | $ 140,000 |
| Waco, TX | 20 | $ 5,090,000 | $ 254,500 | $ 135,000 |
| Warner Robins, GA | 20 | $ 3,630,000 | $ 181,500 | $ 112,000 |
| Youngstown-Warren-Boardman, OH-PA | 20 | $ 3,370,000 | $ 168,500 | $ 95,000 |
| Athens-Clarke County, GA | 19 | $ 6,085,000 | $ 320,263 | $ 128,000 |
| Boise City, ID | 19 | $ 6,445,000 | $ 339,210 | $ 138,000 |
| Burlington, NC | 19 | $ 5,545,000 | $ 291,842 | $ 133,000 |
| El Paso, TX | 19 | $ 3,735,000 | $ 196,578 | $ 124,000 |
| Fresno, CA | 19 | $ 7,095,000 | $ 373,421 | $ 120,000 |
| Lafayette-West Lafayette, IN | 19 | $ 4,715,000 | $ 248,157 | $ 90,000 |
| Rockford, IL | 19 | $ 3,595,000 | $ 189,210 | $ 94,000 |
| State College, PA | 19 | $ 4,555,000 | $ 239,736 | $ 77,000 |
| Stockton-Lodi, CA | 19 | $ 6,285,000 | $ 330,789 | $ 127,000 |
| Everett, WA | 18 | $ 8,860,000 | $ 492,222 | $ 177,000 |
| Auburn-Opelika, AL | 17 | $ 3,485,000 | $ 205,000 | $ 146,000 |
| Corpus Christi, TX | 17 | $ 6,105,000 | $ 359,117 | $ 314,000 |
| Lake Havasu City-Kingman, AZ | 17 | $ 3,255,000 | $ 191,470 | $ 91,000 |
| Peoria, IL | 17 | $ 4,105,000 | $ 241,470 | $ 133,000 |
| Reading, PA | 17 | $ 4,355,000 | $ 256,176 | $ 88,000 |
| Reno, NV | 17 | $ 8,325,000 | $ 489,705 | $ 174,000 |
| Charlottesville, VA | 16 | $ 5,220,000 | $ 326,250 | $ 148,000 |
| Panama City, FL | 16 | $ 4,810,000 | $ 300,625 | $ 134,000 |
| Slidell-Mandeville-Covington, LA | 16 | $ 3,570,000 | $ 223,125 | $ 151,000 |
| Flint, MI | 15 | $ 3,005,000 | $ 200,333 | $ 96,000 |
| Las Cruces, NM | 15 | $ 3,475,000 | $ 231,666 | $ 78,000 |
| Modesto, CA | 15 | $ 5,125,000 | $ 341,666 | $ 139,000 |
| Daphne-Fairhope-Foley, AL | 14 | $ 4,590,000 | $ 327,857 | $ 86,000 |
| Evansville, IN-KY | 14 | $ 2,350,000 | $ 167,857 | $ 77,000 |
| Jacksonville, NC | 14 | $ 3,040,000 | $ 217,142 | $ 139,000 |
| Manchester-Nashua, NH | 14 | $ 4,530,000 | $ 323,571 | $ 126,000 |
| Muncie, IN | 14 | $ 2,380,000 | $ 170,000 | $ 71,000 |
| College Station-Bryan, TX | 13 | $ 4,285,000 | $ 329,615 | $ 277,000 |
| Kingsport-Bristol-Bristol, TN-VA | 13 | $ 2,935,000 | $ 225,769 | $ 81,307 |
| Mansfield, OH | 13 | $ 2,365,000 | $ 181,923 | $ 71,000 |
| Montgomery, AL | 13 | $ 2,485,000 | $ 191,153 | $ 85,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 8,795,000 | $ 676,538 | $ 221,000 |
| Shreveport-Bossier City, LA | 13 | $ 3,615,000 | $ 278,076 | $ 218,000 |
| Trenton, NJ | 13 | $ 4,475,000 | $ 344,230 | $ 184,000 |
| Bend-Redmond, OR | 12 | $ 5,160,000 | $ 430,000 | $ 194,000 |
| Chambersburg-Waynesboro, PA | 12 | $ 3,010,000 | $ 250,833 | $ 102,000 |
| Hot Springs, AR | 12 | $ 2,970,000 | $ 247,500 | $ 92,000 |
| Kalamazoo-Portage, MI | 12 | $ 3,510,000 | $ 292,500 | $ 106,000 |
| Lincoln, NE | 12 | $ 2,660,000 | $ 221,666 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 7,190,000 | $ 599,166 | $ 242,000 |
| Prescott Valley-Prescott, AZ | 12 | $ 3,360,000 | $ 280,000 | $ 151,000 |
| San Francisco-Redwood City-South San Francisco, CA | 12 | $ 6,440,000 | $ 536,666 | $ 336,000 |
| Sebastian-Vero Beach, FL | 12 | $ 3,280,000 | $ 273,333 | $ 150,000 |
| Springfield, MA | 12 | $ 2,940,000 | $ 245,000 | $ 144,000 |
| Tallahassee, FL | 12 | $ 2,560,000 | $ 213,333 | $ 165,000 |
| Tyler, TX | 12 | $ 3,100,000 | $ 258,333 | $ 250,000 |
| Valdosta, GA | 12 | $ 2,380,000 | $ 198,333 | $ 90,000 |
| Yakima, WA | 12 | $ 3,360,000 | $ 280,000 | $ 97,000 |
| Albany, GA | 11 | $ 1,775,000 | $ 161,363 | $ 69,000 |
| Columbus, GA-AL | 11 | $ 2,115,000 | $ 192,272 | $ 86,545 |
| Decatur, IL | 11 | $ 1,665,000 | $ 151,363 | $ 92,000 |
| Madison, WI | 11 | $ 4,065,000 | $ 369,545 | $ 180,000 |
| Oshkosh-Neenah, WI | 11 | $ 3,055,000 | $ 277,727 | $ 131,000 |
| Portland-South Portland, ME | 11 | $ 4,435,000 | $ 403,181 | $ 121,000 |
| Salem, OR | 11 | $ 3,415,000 | $ 310,454 | $ 90,000 |
| St. George, UT | 11 | $ 4,285,000 | $ 389,545 | $ 189,000 |
| Vallejo-Fairfield, CA | 11 | $ 4,555,000 | $ 414,090 | $ 123,000 |
| Amarillo, TX | 10 | $ 2,700,000 | $ 270,000 | $ 96,000 |
| Barnstable Town, MA | 10 | $ 5,060,000 | $ 506,000 | $ 230,000 |
| Blacksburg-Christiansburg-Radford, VA | 10 | $ 2,340,000 | $ 234,000 | $ 129,000 |
| Bremerton-Silverdale, WA | 10 | $ 3,080,000 | $ 308,000 | $ 185,000 |
| Elizabethtown-Fort Knox, KY | 10 | $ 2,800,000 | $ 280,000 | $ 110,000 |
| Greenville, NC | 10 | $ 2,560,000 | $ 256,000 | $ 146,000 |
| Lansing-East Lansing, MI | 10 | $ 2,080,000 | $ 208,000 | $ 91,000 |
| Lawton, OK | 10 | $ 2,370,000 | $ 237,000 | $ 105,000 |
| Muskegon, MI | 10 | $ 2,320,000 | $ 232,000 | $ 87,000 |
| Racine, WI | 10 | $ 2,490,000 | $ 249,000 | $ 98,000 |
| St. Joseph, MO-KS | 10 | $ 2,110,000 | $ 211,000 | $ 125,000 |
| Ann Arbor, MI | 9 | $ 4,095,000 | $ 455,000 | $ 298,000 |
| Farmington, NM | 9 | $ 1,835,000 | $ 203,888 | $ 65,000 |
| Gainesville, FL | 9 | $ 2,215,000 | $ 246,111 | $ 137,000 |
| Hinesville, GA | 9 | $ 2,405,000 | $ 267,222 | $ 95,000 |
| Morristown, TN | 9 | $ 1,805,000 | $ 200,555 | $ 60,000 |
| Norwich-New London, CT | 9 | $ 2,175,000 | $ 241,666 | $ 83,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 1,445,000 | $ 160,555 | $ 139,000 |
| Bowling Green, KY | 8 | $ 1,490,000 | $ 186,250 | $ 110,000 |
| Bozeman, MT | 8 | $ 3,550,000 | $ 443,750 | $ 178,000 |
| Flagstaff, AZ | 8 | $ 3,640,000 | $ 455,000 | $ 145,000 |
| Florence-Muscle Shoals, AL | 8 | $ 950,000 | $ 118,750 | $ 63,000 |
| Goldsboro, NC | 8 | $ 1,520,000 | $ 190,000 | $ 76,000 |
| Great Falls, MT | 8 | $ 1,600,000 | $ 200,000 | $ 74,000 |
| Paducah, KY-IL | 8 | $ 1,670,000 | $ 208,750 | $ 75,000 |
| Sandusky, OH | 8 | $ 1,720,000 | $ 215,000 | $ 125,000 |
| Yuba City, CA | 8 | $ 2,620,000 | $ 327,500 | $ 108,000 |
| Beaumont-Port Arthur, TX | 7 | $ 1,555,000 | $ 222,142 | $ 121,000 |
| Beckley, WV | 7 | $ 1,755,000 | $ 250,714 | $ 80,000 |
| Bloomington, IL | 7 | $ 1,685,000 | $ 240,714 | $ 97,000 |
| Cedar Rapids, IA | 7 | $ 1,345,000 | $ 192,142 | $ 59,000 |
| Cheyenne, WY | 7 | $ 2,725,000 | $ 389,285 | $ 79,000 |
| Jackson, MS | 7 | $ 1,185,000 | $ 169,285 | $ 85,000 |
| Kankakee, IL | 7 | $ 1,005,000 | $ 143,571 | $ 89,000 |
| Kenosha, WI | 7 | $ 1,845,000 | $ 263,571 | $ 102,000 |
| Lewiston-Auburn, ME | 7 | $ 1,595,000 | $ 227,857 | $ 74,000 |
| Mobile, AL | 7 | $ 1,145,000 | $ 163,571 | $ 53,000 |
| Olympia-Tumwater, WA | 7 | $ 2,825,000 | $ 403,571 | $ 98,000 |
| Rome, GA | 7 | $ 1,685,000 | $ 240,714 | $ 92,000 |
| Tuscaloosa, AL | 7 | $ 1,415,000 | $ 202,142 | $ 75,000 |
| Wheeling, WV-OH | 7 | $ 1,305,000 | $ 186,428 | $ 123,000 |
| Anniston-Oxford-Jacksonville, AL | 6 | $ 500,000 | $ 83,333 | $ 73,000 |
| Columbia, MO | 6 | $ 1,610,000 | $ 268,333 | $ 87,000 |
| Dalton, GA | 6 | $ 1,160,000 | $ 193,333 | $ 96,000 |
| Eau Claire, WI | 6 | $ 1,420,000 | $ 236,666 | $ 100,000 |
| Eugene, OR | 6 | $ 2,690,000 | $ 448,333 | $ 155,000 |
| Helena, MT | 6 | $ 2,060,000 | $ 343,333 | $ 98,000 |
| Iowa City, IA | 6 | $ 2,420,000 | $ 403,333 | $ 250,000 |
| Pinehurst-Southern Pines, NC | 6 | $ 4,260,000 | $ 710,000 | $ 230,000 |
| Rocky Mount, NC | 6 | $ 1,270,000 | $ 211,666 | $ 96,000 |
| Santa Maria-Santa Barbara, CA | 6 | $ 2,910,000 | $ 485,000 | $ 90,000 |
| Santa Rosa, CA | 6 | $ 3,390,000 | $ 565,000 | $ 216,000 |
| Sherman-Denison, TX | 6 | $ 2,150,000 | $ 358,333 | $ 134,000 |
| Springfield, IL | 6 | $ 1,130,000 | $ 188,333 | $ 161,000 |
| Traverse City, MI | 6 | $ 1,170,000 | $ 195,000 | $ 113,000 |
| Visalia-Porterville, CA | 6 | $ 1,960,000 | $ 326,666 | $ 103,000 |
| Wildwood-The Villages, FL | 6 | $ 1,610,000 | $ 268,333 | $ 235,000 |
| Alexandria, LA | 5 | $ 935,000 | $ 187,000 | $ 72,000 |
| Battle Creek, MI | 5 | $ 975,000 | $ 195,000 | $ 103,000 |
| Champaign-Urbana, IL | 5 | $ 1,175,000 | $ 235,000 | $ 127,000 |
| Chico, CA | 5 | $ 1,715,000 | $ 343,000 | $ 146,000 |
| Dubuque, IA | 5 | $ 1,135,000 | $ 227,000 | $ 78,000 |
| Duluth, MN-WI | 5 | $ 1,115,000 | $ 223,000 | $ 104,200 |
| Hanford-Corcoran, CA | 5 | $ 1,185,000 | $ 237,000 | $ 62,000 |
| Idaho Falls, ID | 5 | $ 1,545,000 | $ 309,000 | $ 87,000 |
| Jackson, TN | 5 | $ 965,000 | $ 193,000 | $ 119,000 |
| Logan, UT-ID | 5 | $ 855,000 | $ 171,000 | $ 108,000 |
| Rochester, MN | 5 | $ 825,000 | $ 165,000 | $ 111,000 |
| Rockingham County-Strafford County, NH | 5 | $ 1,895,000 | $ 379,000 | $ 118,000 |
| Salisbury, MD-DE | 5 | $ 1,105,000 | $ 221,000 | $ 114,000 |
| Terre Haute, IN | 5 | $ 925,000 | $ 185,000 | $ 136,000 |
| Topeka, KS | 5 | $ 1,085,000 | $ 217,000 | $ 61,000 |
| Amherst Town-Northampton, MA | 4 | $ 1,280,000 | $ 320,000 | $ 190,000 |
| Bay City, MI | 4 | $ 470,000 | $ 117,500 | $ 94,000 |
| Cleveland, TN | 4 | $ 1,100,000 | $ 275,000 | $ 102,000 |
| Columbus, IN | 4 | $ 1,350,000 | $ 337,500 | $ 108,000 |
| Decatur, AL | 4 | $ 850,000 | $ 212,500 | $ 97,000 |
| Dothan, AL | 4 | $ 750,000 | $ 187,500 | $ 80,000 |
| Fond Du Lac, WI | 4 | $ 890,000 | $ 222,500 | $ 54,000 |
| Gettysburg, PA | 4 | $ 1,250,000 | $ 312,500 | $ 152,000 |
| Houma-Thibodaux, LA | 4 | $ 480,000 | $ 120,000 | $ 68,000 |
| Janesville-Beloit, WI | 4 | $ 930,000 | $ 232,500 | $ 92,000 |
| Jonesboro, AR | 4 | $ 1,140,000 | $ 285,000 | $ 101,000 |
| Longview, TX | 4 | $ 890,000 | $ 222,500 | $ 104,000 |
| Merced, CA | 4 | $ 1,380,000 | $ 345,000 | $ 82,000 |
| Monroe, LA | 4 | $ 760,000 | $ 190,000 | $ 80,000 |
| Niles-Benton Harbor, MI | 4 | $ 960,000 | $ 240,000 | $ 120,000 |
| San Angelo, TX | 4 | $ 990,000 | $ 247,500 | $ 133,000 |
| Sioux City, IA-NE-SD | 4 | $ 780,000 | $ 195,000 | $ 141,000 |
| St. Cloud, MN | 4 | $ 1,300,000 | $ 325,000 | $ 119,000 |
| Staunton-Waynesboro, VA | 4 | $ 980,000 | $ 245,000 | $ 59,000 |
| Vineland-Bridgeton, NJ | 4 | $ 1,050,000 | $ 262,500 | $ 94,000 |
| Abilene, TX | 3 | $ 585,000 | $ 195,000 | $ 63,000 |
| Bangor, ME | 3 | $ 595,000 | $ 198,333 | $ 50,000 |
| Bellingham, WA | 3 | $ 1,695,000 | $ 565,000 | $ 99,000 |
| Charleston, WV | 3 | $ 695,000 | $ 231,666 | $ 76,000 |
| Coeur D'Alene, ID | 3 | $ 755,000 | $ 251,666 | $ 102,000 |
| Elkhart-Goshen, IN | 3 | $ 565,000 | $ 188,333 | $ 72,000 |
| Fort Smith, AR-OK | 3 | $ 585,000 | $ 195,000 | $ 52,000 |
| Hammond, LA | 3 | $ 665,000 | $ 221,666 | $ 59,000 |
| Jefferson City, MO | 3 | $ 715,000 | $ 238,333 | $ 67,000 |
| Kokomo, IN | 3 | $ 395,000 | $ 131,666 | $ 94,000 |
| La Crosse-Onalaska, WI-MN | 3 | $ 895,000 | $ 298,333 | $ 133,000 |
| Lawrence, KS | 3 | $ 925,000 | $ 308,333 | $ 105,000 |
| Lebanon, PA | 3 | $ 845,000 | $ 281,666 | $ 90,000 |
| Longview, WA | 3 | $ 1,295,000 | $ 431,666 | $ 137,000 |
| Manhattan, KS | 3 | $ 1,065,000 | $ 355,000 | $ 363,000 |
| Mankato-North Mankato, MN | 3 | $ 285,000 | $ 95,000 | $ 64,000 |
| Michigan City-La Porte, IN | 3 | $ 745,000 | $ 248,333 | $ 117,000 |
| Monroe, MI | 3 | $ 705,000 | $ 235,000 | $ 107,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,085,000 | $ 361,666 | $ 150,000 |
| Parkersburg-Vienna, WV | 3 | $ 505,000 | $ 168,333 | $ 80,000 |
| Pittsfield, MA | 3 | $ 725,000 | $ 241,666 | $ 60,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,365,000 | $ 455,000 | $ 345,000 |
| Sheboygan, WI | 3 | $ 575,000 | $ 191,666 | $ 75,000 |
| Wenatchee, WA | 3 | $ 1,095,000 | $ 365,000 | $ 104,000 |
| Bismarck, ND | 2 | $ 710,000 | $ 355,000 | $ 150,000 |
| Bloomington, IN | 2 | $ 270,000 | $ 135,000 | $ 52,000 |
| Cape Girardeau, MO-IL | 2 | $ 540,000 | $ 270,000 | $ 65,000 |
| El Centro, CA | 2 | $ 700,000 | $ 350,000 | $ 103,000 |
| Fargo, ND-MN | 2 | $ 460,000 | $ 230,000 | $ 94,000 |
| Gadsden, AL | 2 | $ 540,000 | $ 270,000 | $ 139,000 |
| Grand Island, NE | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Hattiesburg, MS | 2 | $ 480,000 | $ 240,000 | $ 406,000 |
| Morgantown, WV | 2 | $ 370,000 | $ 185,000 | $ 73,000 |
| Napa, CA | 2 | $ 3,940,000 | $ 1,970,000 | $ 501,000 |
| Rapid City, SD | 2 | $ 360,000 | $ 180,000 | $ 181,000 |
| Redding, CA | 2 | $ 600,000 | $ 300,000 | $ 86,000 |
| Salinas, CA | 2 | $ 1,760,000 | $ 880,000 | $ 147,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,030,000 | $ 515,000 | $ 93,000 |
| Santa Fe, NM | 2 | $ 540,000 | $ 270,000 | $ 202,000 |
| Sioux Falls, SD | 2 | $ 760,000 | $ 380,000 | $ 120,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 830,000 | $ 415,000 | $ 147,000 |
| Wausau, WI | 2 | $ 390,000 | $ 195,000 | $ 101,000 |
| Williamsport, PA | 2 | $ 340,000 | $ 170,000 | $ 103,000 |
| Yuma, AZ | 2 | $ 400,000 | $ 200,000 | $ 88,000 |
| Altoona, PA | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Casper, WY | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Corvallis, OR | 1 | $ 595,000 | $ 595,000 | $ 157,000 |
| Eagle Pass, TX | 1 | $ 305,000 | $ 305,000 | $ 151,000 |
| Enid, OK | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Jackson, MI | 1 | $ 485,000 | $ 485,000 | $ 102,000 |
| Medford, OR | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Midland, MI | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Missoula, MT | 1 | $ 595,000 | $ 595,000 | $ 171,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Texarkana, TX-AR | 1 | $ 225,000 | $ 225,000 | $ 1,818,000 |
| Twin Falls, ID | 1 | $ 275,000 | $ 275,000 | $ 73,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 185,000 | $ 185,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Lower, LLC in 2024
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 | 19,455 | $6,160,155,000 | $316,000 | $2,995,000 | $133,000 | $7,924,000 |
| Cash-out Refinancing | 5,929 | $1,623,485,000 | $273,000 | $1,815,000 | $123,000 | $9,500,000 |
| Refinancing | 2,344 | $799,890,000 | $341,000 | $3,205,000 | $146,000 | $3,604,000 |
| Other Purpose | 2 | $820,000 | $410,000 | $715,000 | $162,000 | $169,000 |
| 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 | 14,346 | $4,372,280,000 | $304,000 | $2,995,000 | $133,000 | $3,604,000 |
| Not Provided | 5,191 | $1,606,485,000 | $309,000 | $3,205,000 | $143,000 | $9,500,000 |
| Hispanic | 3,533 | $1,042,645,000 | $295,000 | $1,575,000 | $109,000 | $991,000 |
| Black or African American | 3,034 | $936,820,000 | $308,000 | $2,345,000 | $114,000 | $5,692,000 |
| Asian | 1,482 | $585,370,000 | $394,000 | $1,925,000 | $175,000 | $7,924,000 |
| American Indian or Alaskan Native | 114 | $31,910,000 | $279,000 | $815,000 | $116,000 | $558,000 |
| Native Hawaiian or Other Pacific Islander | 30 | $8,840,000 | $294,000 | $855,000 | $102,000 | $245,000 |
| 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) | 17,085 | $5,208,085,000 | $304,000 | $3,205,000 | $151,000 | $9,500,000 |
| FHA-insured (Federal Housing Administration) | 7,964 | $2,379,120,000 | $298,000 | $1,485,000 | $99,000 | $919,000 |
| VA-guaranteed (Veterans Administration) | 2,471 | $954,585,000 | $386,000 | $2,995,000 | $110,000 | $761,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 210 | $42,560,000 | $202,000 | $425,000 | $75,000 | $150,000 |
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 | 17,412 | $5,398,420,000 | $310,000 | $2,995,000 | $132,000 | $5,692,000 |
| Application Withdrawn By Applicant | 6,138 | $1,879,820,000 | $306,000 | $1,725,000 | $136,000 | $9,500,000 |
| Application Denied By Financial Institution | 2,608 | $772,850,000 | $296,000 | $3,205,000 | $112,000 | $1,043,000 |
| File Closed For Incompleteness | 1,069 | $388,405,000 | $363,000 | $1,605,000 | $144,000 | $848,000 |
| Application Approved But Not Accepted | 503 | $144,855,000 | $287,000 | $885,000 | $134,000 | $1,818,000 |
| 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 | 25,122 | $7,811,500,000 | $310,000 | $2,995,000 | $134,000 | $9,500,000 |
| Debt-To-Income Ratio | 746 | $239,150,000 | $320,000 | $3,205,000 | $91,000 | $967,000 |
| Credit Application Incomplete | 728 | $216,400,000 | $297,000 | $1,815,000 | $135,000 | $978,000 |
| Collateral | 345 | $93,655,000 | $271,000 | $1,465,000 | $116,000 | $731,000 |
| Credit History | 337 | $93,705,000 | $278,000 | $1,345,000 | $104,000 | $519,000 |
| Other | 203 | $55,535,000 | $273,000 | $1,105,000 | $111,000 | $991,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 100 | $26,480,000 | $264,000 | $1,035,000 | $103,000 | $384,000 |
| Employment History | 84 | $25,890,000 | $308,000 | $1,505,000 | $109,000 | $1,043,000 |
| Unverifiable Information | 65 | $22,035,000 | $339,000 | $1,005,000 | $145,000 | $553,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Lower, LLC's 2024 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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