Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender in Georgia · HMDA 2025

Lower, LLC mortgages in Georgia

Lower, LLC's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.

Lower, LLC originated 683 owner-occupied single-family loans in Georgia from 876 completed applications.

Its median conventional purchase loan costs were $7,110 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.625% (Georgia: 6.624%).

Loans in GA
683
of 876 applications
Denial rate
11.5%
Purchase · GA 9.9%
Rate spread
+0.25 pts
Conv. · GA +0.13 pts
Loan amount
$295,000
Purchase · GA $325,000

By loan purpose

PurposeApplicationsLoansDenial rate30-yr rate*Rate spread*Loan costs*Median loan
Home purchase59952711.5%6.625%+0.25 pts$7,110$295,000
Refinance694627.5%—+0.11 pts$7,200$335,000
Cash-out refinance20811043.3%6.625%+0.37 pts$6,520$285,000

*Conventional loans only; medians with at least 20 loans.

Georgia counties where Lower, LLC ranks in the top 25

CountyRankLoansMarket share
Chattahoochee County4210.0%
Butts County1082.1%
White County1371.8%
Wayne County1351.5%
Stewart County1315.3%
Brantley County1421.7%
Spalding County15171.6%
Camden County15161.1%
Wilkes County1522.4%
Glynn County16151.2%
Franklin County1641.5%
Grady County1831.9%
Lanier County1831.7%
Towns County2031.6%
Henry County21471.0%
Marion County2211.8%
Lumpkin County2351.0%
Twiggs County2312.4%

Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology