Lender in Washington · HMDA 2025
Lower, LLC mortgages in Washington
Lower, LLC's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Lower, LLC originated 224 owner-occupied single-family loans in Washington from 276 completed applications.
Its median conventional purchase loan costs were $8,240 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
224
of 276 applications
Denial rate
4.3%
Purchase · WA 5.9%
Rate spread
+0.23 pts
Conv. · WA +0.10 pts
Loan amount
$455,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 141 | 133 | 4.3% | 6.625% | +0.23 pts | $8,240 | $455,000 |
| Refinance | 54 | 42 | 20.4% | 6.500% | +0.04 pts | $6,360 | $585,000 |
| Cash-out refinance | 81 | 49 | 39.5% | — | — | — | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clallam County | 11 | 20 | 2.1% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology