Lender in Indiana · HMDA 2025
Lower, LLC mortgages in Indiana
Lower, LLC's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
Lower, LLC originated 394 owner-occupied single-family loans in Indiana from 462 completed applications.
Its median conventional purchase loan costs were $3,490 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.875% (Indiana: 6.625%).
Loans in IN
394
of 462 applications
Denial rate
5.9%
Purchase · IN 7.4%
Rate spread
+0.37 pts
Conv. · IN +0.24 pts
Loan amount
$235,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 322 | 303 | 5.9% | 6.875% | +0.37 pts | $3,490 | $235,000 |
| Refinance | 43 | 30 | 27.9% | — | — | — | $305,000 |
| Cash-out refinance | 97 | 61 | 36.1% | — | — | — | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wayne County | 17 | 9 | 1.1% |
| Wells County | 19 | 5 | 1.1% |
| Adams County | 20 | 4 | 0.9% |
| Tipton County | 21 | 3 | 1.2% |
- Lower, LLC nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology