Lender in Illinois · HMDA 2025
Lower, LLC mortgages in Illinois
Lower, LLC's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Lower, LLC originated 1,071 owner-occupied single-family loans in Illinois from 1,222 completed applications.
Its median conventional purchase loan costs were $6,060 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.875% (Illinois: 6.625%).
Loans in IL
1,071
of 1,222 applications
Denial rate
5.5%
Purchase · IL 9.2%
Rate spread
+0.41 pts
Conv. · IL +0.27 pts
Loan amount
$285,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 706 | 663 | 5.5% | 6.875% | +0.41 pts | $6,060 | $285,000 |
| Refinance | 248 | 215 | 11.7% | 6.625% | +0.22 pts | $2,860 | $345,000 |
| Cash-out refinance | 268 | 193 | 26.5% | 7.125% | +0.64 pts | $3,040 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Macon County | 3 | 93 | 7.4% |
| Rock Island County | 8 | 67 | 3.8% |
| Mercer County | 10 | 8 | 3.5% |
| Shelby County | 14 | 3 | 2.0% |
| DeKalb County | 16 | 24 | 1.7% |
| Henry County | 16 | 14 | 2.1% |
| Grundy County | 16 | 11 | 1.4% |
| Piatt County | 17 | 4 | 1.4% |
| Kane County | 18 | 113 | 1.6% |
| Moultrie County | 20 | 2 | 1.4% |
| Jo Daviess County | 24 | 2 | 1.1% |
| McHenry County | 25 | 60 | 1.1% |
- Lower, LLC nationwide
- Illinois mortgage market
- Lower, LLC in Texas
- Lower, LLC in Ohio
- Lower, LLC in Florida
- Lower, LLC in South Carolina
- Lower, LLC in Colorado
- Lower, LLC in North Carolina
- Lower, LLC in Georgia
- Lower, LLC in Virginia
- Lower, LLC in Maryland
- Lower, LLC in Iowa
- Lower, LLC in Kentucky
- Lower, LLC in Indiana
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology