Lender in Texas · HMDA 2025
Lower, LLC mortgages in Texas
Lower, LLC's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Lower, LLC originated 1,577 owner-occupied single-family loans in Texas from 1,732 completed applications.
Its median conventional purchase loan costs were $8,340 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.50% (Texas: 6.50%).
Loans in TX
1,577
of 1,732 applications
Denial rate
6.1%
Purchase · TX 10.2%
Rate spread
+0.18 pts
Conv. · TX +0.09 pts
Loan amount
$365,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,500 | 1,395 | 6.1% | 6.500% | +0.18 pts | $8,340 | $365,000 |
| Refinance | 138 | 116 | 13.8% | 6.625% | +0.16 pts | $8,280 | $405,000 |
| Cash-out refinance | 94 | 66 | 27.7% | 6.875% | +0.45 pts | $7,240 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Howard County | 4 | 18 | 6.3% |
| Hood County | 12 | 27 | 2.1% |
| Archer County | 13 | 3 | 1.9% |
| Hidalgo County | 14 | 150 | 2.6% |
| Johnson County | 15 | 62 | 1.6% |
| Milam County | 16 | 4 | 1.7% |
| Morris County | 16 | 3 | 2.3% |
| Rockwall County | 17 | 39 | 1.4% |
| Blanco County | 18 | 3 | 1.4% |
| Ellis County | 20 | 66 | 1.4% |
| Cameron County | 20 | 40 | 1.4% |
| Kaufman County | 22 | 53 | 1.2% |
| Wichita County | 23 | 10 | 0.7% |
| Runnels County | 24 | 1 | 1.5% |
| Jim Wells County | 25 | 2 | 1.0% |
- Lower, LLC nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology