Applications / Mortgage Analytics / Lenders / Maryland / Lower / Competition
Lower
Columbia, MD · Independent non-bank lender · CFPB · 17,905 loans in 2025
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17,905
loans originated, 2025
29,643
applications, 2025
47
states and territories
0
gaps bigger than at similar lenders
Who Lower competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — DALLAS-FORT WORTH-ARLINGTON, TX, 2025
Lower ranks 33rd of 1,026 lenders in Dallas-Fort Worth-Arlington, TX, with $402.2M lent: 0.6% of a $63.42B market.
Dallas-Fort Worth-Arlington, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Lower in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — CHICAGO-NAPERVILLE-ELGIN, IL-IN, 2025
Lower ranks 43rd of 902 lenders in Chicago-Naperville-Elgin, IL-IN, with $306.4M lent: 0.5% of a $59.66B market.
Chicago-Naperville-Elgin, IL-IN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Lower in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — COLUMBUS, OH, 2025
Lower ranks 12th of 596 lenders in Columbus, OH, with $303.8M lent: 1.8% of a $16.93B market.
Columbus, OH is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Lower in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV, 2025
Lower ranks 47th of 757 lenders in Washington-Arlington-Alexandria, DC-VA-MD-WV, with $297.7M lent: 0.5% of a $62.69B market.
Washington-Arlington-Alexandria, DC-VA-MD-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Lower in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — DENVER-AURORA-CENTENNIAL, CO, 2025
Lower ranks 29th of 754 lenders in Denver-Aurora-Centennial, CO, with $268.3M lent: 0.8% of a $35.19B market.
Denver-Aurora-Centennial, CO is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Lower in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — CASPER, WY, 2025
Lower ranks 56th of 139 lenders in Casper, WY, with $830K lent: 0.2% of a $516.9M market.
Casper, WY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Lower in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 64% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — CARSON CITY, NV, 2025
Lower ranks 83rd of 139 lenders in Carson City, NV, with $625K lent: 0.2% of a $367.1M market.
Carson City, NV is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Lower in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — NON-METRO WYOMING, 2025
Lower ranks 91st of 314 lenders in non-metro Wyoming, with $3.6M lent: 0.1% of a $2.53B market.
non-metro Wyoming is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Lower in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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