Lender in Colorado · HMDA 2025
Lower, LLC mortgages in Colorado
Lower, LLC's 2025 home-purchase and refinance lending in Colorado, compared with all lenders in the state.
Lower, LLC originated 951 owner-occupied single-family loans in Colorado from 1,038 completed applications, making it the state's #21 lender by volume.
Its median conventional purchase loan costs were $7,210 versus $4,630 for all Colorado lenders, at a median 30-year fixed rate of 6.625% (Colorado: 6.50%).
Loans in CO
951
of 1,038 applications
Denial rate
6.7%
Purchase · CO 6.3%
Rate spread
+0.13 pts
Conv. · CO +0.04 pts
Loan amount
$435,000
Purchase · CO $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 881 | 820 | 6.7% | 6.625% | +0.13 pts | $7,210 | $435,000 |
| Refinance | 89 | 79 | 10.1% | 6.250% | −0.05 pts | $6,870 | $455,000 |
| Cash-out refinance | 68 | 52 | 23.5% | 6.750% | +0.29 pts | $5,230 | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Colorado counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Baca County | 2 | 2 | 15.4% |
| Jackson County | 2 | 2 | 15.4% |
| Prowers County | 3 | 14 | 16.7% |
| Elbert County | 8 | 21 | 2.4% |
| Conejos County | 10 | 1 | 4.0% |
| Park County | 11 | 7 | 1.7% |
| Washington County | 11 | 2 | 3.2% |
| Las Animas County | 12 | 3 | 2.5% |
| Moffat County | 13 | 3 | 1.7% |
| Crowley County | 13 | 1 | 4.5% |
| Fremont County | 14 | 10 | 1.5% |
| Arapahoe County | 15 | 124 | 1.3% |
| Sedgwick County | 15 | 1 | 4.2% |
| Weld County | 16 | 104 | 1.5% |
| Boulder County | 18 | 40 | 1.0% |
| Pueblo County | 18 | 26 | 1.0% |
| Jefferson County | 19 | 110 | 1.2% |
| Denver County | 20 | 95 | 1.1% |
| Lincoln County | 20 | 1 | 1.6% |
| Broomfield County | 21 | 12 | 1.1% |
| Otero County | 21 | 3 | 1.7% |
| Chaffee County | 22 | 3 | 0.8% |
| Huerfano County | 23 | 1 | 1.8% |
| El Paso County | 24 | 130 | 0.9% |
| Adams County | 24 | 86 | 1.0% |
| Teller County | 24 | 5 | 0.9% |
- Lower, LLC nationwide
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- Lower, LLC in Indiana
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology