Lender in Florida · HMDA 2025
Lower, LLC mortgages in Florida
Lower, LLC's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Lower, LLC originated 1,325 owner-occupied single-family loans in Florida from 1,594 completed applications.
Its median conventional purchase loan costs were $6,850 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
1,325
of 1,594 applications
Denial rate
10.0%
Purchase · FL 12.8%
Rate spread
+0.32 pts
Conv. · FL +0.14 pts
Loan amount
$315,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,266 | 1,126 | 10.0% | 6.625% | +0.32 pts | $6,850 | $315,000 |
| Refinance | 100 | 69 | 29.0% | 6.375% | +0.07 pts | $6,290 | $365,000 |
| Cash-out refinance | 228 | 130 | 42.1% | 6.750% | +0.36 pts | $7,840 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| DeSoto County | 1 | 49 | 21.8% |
| Hardee County | 2 | 16 | 10.3% |
| Lee County | 19 | 150 | 1.1% |
| Charlotte County | 19 | 47 | 1.1% |
| Pinellas County | 20 | 104 | 1.0% |
| Suwannee County | 21 | 3 | 1.3% |
| Highlands County | 22 | 16 | 1.1% |
| Collier County | 25 | 38 | 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