Lender in Tennessee · HMDA 2025
Lower, LLC mortgages in Tennessee
Lower, LLC's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Lower, LLC originated 268 owner-occupied single-family loans in Tennessee from 342 completed applications.
Its median conventional purchase loan costs were $7,110 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.75% (Tennessee: 6.624%).
Loans in TN
268
of 342 applications
Denial rate
9.8%
Purchase · TN 7.7%
Rate spread
+0.31 pts
Conv. · TN +0.11 pts
Loan amount
$315,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 204 | 183 | 9.8% | 6.750% | +0.31 pts | $7,110 | $315,000 |
| Refinance | 42 | 35 | 16.7% | 6.624% | +0.22 pts | $8,000 | $365,000 |
| Cash-out refinance | 96 | 50 | 47.9% | — | — | — | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tipton County | 13 | 17 | 1.9% |
| Johnson County | 20 | 2 | 1.3% |
| Lauderdale County | 24 | 2 | 1.0% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology