Lender in Arizona · HMDA 2025
Lower, LLC mortgages in Arizona
Lower, LLC's 2025 home-purchase and refinance lending in Arizona, compared with all lenders in the state.
Lower, LLC originated 236 owner-occupied single-family loans in Arizona from 278 completed applications.
Its median conventional purchase loan costs were $7,850 versus $6,470 for all Arizona lenders, at a median 30-year fixed rate of 6.625% (Arizona: 6.50%).
Loans in AZ
236
of 278 applications
Denial rate
10.8%
Purchase · AZ 8.2%
Rate spread
+0.16 pts
Conv. · AZ +0.11 pts
Loan amount
$405,000
Purchase · AZ $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 185 | 164 | 10.8% | 6.625% | +0.16 pts | $7,850 | $405,000 |
| Refinance | 36 | 28 | 22.2% | — | — | — | $395,000 |
| Cash-out refinance | 57 | 44 | 21.1% | — | — | — | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Arizona counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Graham County | 25 | 3 | 0.6% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology