Applications / Mortgage Analytics / Lenders / Maryland / Lower / Data
Lower
Columbia, MD · Independent non-bank lender · CFPB · 17,905 loans in 2025
Lower's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
17,905
loans originated, 2025
29,643
applications, 2025
47
states and territories
0
gaps bigger than at similar lenders
History
- 2015First report under HMDA.
Filed under earlier names
- 2015–2016HOMESIDE FINANCIAL LLC
- 2017–2017HOMESIDE FINANCIAL, LLC
- 2018–2020Homeside Financial LLC
- 2021–2025LOWER, LLC
Data editions
| Year | Publisher | Edition |
|---|---|---|
| 2018 | FFIEC | three-year |
| 2019 | FFIEC | three-year |
| 2020 | FFIEC | snapshot |
| 2021 | FFIEC | snapshot |
| 2022 | FFIEC | snapshot |
| 2023 | FFIEC | one-year |
| 2024 | FFIEC | one-year |
| 2025 | FFIEC | snapshot |
Corrections to this lender's records
| Year | Problem | Records | What was done |
|---|---|---|---|
| 2024 | zero income set to missing: FHA refinance with no DTI: a streamline refinance, which does not require income. HMDA says report NA when income is not relied on | 20 | Record adjusted; the published value is kept in dw.lar_original |
| 2024 | zero income set to missing: VA refinance with no DTI: a streamline refinance, which does not require income. HMDA says report NA when income is not relied on | 94 | Record adjusted; the published value is kept in dw.lar_original |
| 2024 | zero income set to missing: business-purpose loan: personal income is not the basis. HMDA says report NA when income is not relied on | 28 | Record adjusted; the published value is kept in dw.lar_original |
| 2024 | zero income set to missing: debt-to-income band reported (>60%), which cannot be computed from zero income. HMDA says report NA when income is not relied on | 41 | Record adjusted; the published value is kept in dw.lar_original |
| 2024 | zero income set to missing: reverse mortgage: approval does not depend on income. HMDA says report NA when income is not relied on | 1 | Record adjusted; the published value is kept in dw.lar_original |
| 2025 | zero income set to missing: FHA refinance with no DTI: a streamline refinance, which does not require income. HMDA says report NA when income is not relied on | 84 | Record adjusted; the published value is kept in dw.lar_original |
| 2025 | zero income set to missing: VA refinance with no DTI: a streamline refinance, which does not require income. HMDA says report NA when income is not relied on | 204 | Record adjusted; the published value is kept in dw.lar_original |
| 2025 | zero income set to missing: business-purpose loan: personal income is not the basis. HMDA says report NA when income is not relied on | 92 | Record adjusted; the published value is kept in dw.lar_original |
| 2025 | zero income set to missing: debt-to-income band reported (>60%), which cannot be computed from zero income. HMDA says report NA when income is not relied on | 5 | Record adjusted; the published value is kept in dw.lar_original |
The data behind this page, and how it was built, checked and analysed in Jenner: the data product · the fair-lending method. Page generated 2026-10-24T10:03:39Z.
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Lower's data
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