Lower is a direct-to-consumer mortgage lender founded in 2018. The company originates, underwrites, and funds home loans, offering a range of products including conventional, FHA, VA, and jumbo loans, as well as adjustable-rate mortgages and home equity solutions. It operates as a retail mortgage lender ranked among the top 25 in the United States, with 116 local branches across the country and has originated billions of dollars in home loans.
The firm's stated mission is to transform the mortgage experience by combining technology with a personal approach to lending, aiming to make homeownership more accessible. This operational model has resulted in high customer ratings on platforms such as Trustpilot, Google, and Zillow. The company is active in the U.S. mortgage lending and financial services sectors.
