Lender in Ohio · HMDA 2025
Lower, LLC mortgages in Ohio
Lower, LLC's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
Lower, LLC originated 1,373 owner-occupied single-family loans in Ohio from 1,552 completed applications, making it the state's #23 lender by volume.
Its median conventional purchase loan costs were $5,800 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.75% (Ohio: 6.625%).
Loans in OH
1,373
of 1,552 applications
Denial rate
5.0%
Purchase · OH 7.1%
Rate spread
+0.37 pts
Conv. · OH +0.22 pts
Loan amount
$275,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,161 | 1,098 | 5.0% | 6.750% | +0.37 pts | $5,800 | $275,000 |
| Refinance | 199 | 149 | 23.6% | 6.375% | +0.15 pts | $6,360 | $305,000 |
| Cash-out refinance | 192 | 126 | 32.8% | 6.990% | +0.57 pts | $5,970 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Morrow County | 6 | 19 | 3.9% |
| Fairfield County | 7 | 77 | 2.8% |
| Marion County | 7 | 27 | 3.3% |
| Franklin County | 8 | 465 | 2.8% |
| Adams County | 8 | 10 | 3.7% |
| Licking County | 11 | 60 | 2.1% |
| Pickaway County | 11 | 36 | 2.8% |
| Delaware County | 12 | 98 | 2.2% |
| Fayette County | 13 | 9 | 2.3% |
| Richland County | 14 | 21 | 1.3% |
| Madison County | 14 | 16 | 2.0% |
| Union County | 15 | 23 | 1.4% |
| Knox County | 15 | 15 | 1.6% |
| Highland County | 15 | 11 | 2.2% |
| Logan County | 15 | 11 | 1.7% |
| Allen County | 17 | 20 | 1.6% |
| Auglaize County | 18 | 8 | 1.5% |
| Hardin County | 19 | 4 | 1.2% |
| Van Wert County | 21 | 5 | 1.4% |
| Athens County | 21 | 4 | 1.3% |
| Wyandot County | 21 | 2 | 0.9% |
| Crawford County | 22 | 4 | 0.9% |
| Putnam County | 22 | 3 | 0.7% |
| Clinton County | 24 | 6 | 1.0% |
- Lower, LLC nationwide
- Ohio mortgage market
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- 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