Lender in Maryland · HMDA 2025
Lower, LLC mortgages in Maryland
Lower, LLC's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Lower, LLC originated 535 owner-occupied single-family loans in Maryland from 637 completed applications.
Its median conventional purchase loan costs were $7,400 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
535
of 637 applications
Denial rate
9.6%
Purchase · MD 8.6%
Rate spread
+0.22 pts
Conv. · MD +0.14 pts
Loan amount
$375,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 492 | 436 | 9.6% | 6.625% | +0.22 pts | $7,400 | $375,000 |
| Refinance | 54 | 40 | 24.1% | 6.375% | −0.01 pts | $8,450 | $435,000 |
| Cash-out refinance | 91 | 59 | 33.0% | 6.624% | +0.28 pts | $9,960 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Prince George's County | 16 | 149 | 1.4% |
| Charles County | 21 | 33 | 0.9% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology