Unverified listing What this means
The Lender Report built this page from public records. Lower, LLC has not reviewed it. Every lender's page starts this way, and it says nothing about Lower, LLC itself. Each figure shows its source and date. Work at Lower, LLC? You can claim this page for free.
Non-bank lender, Columbia, MD
Lower, LLC
A non-bank lender based in Columbia, MD. Public files show recent 1-4 unit investor loans it made.
- Kind
- Non-bank lender
- Data as of
- HMDA 2025, SBA September 30, 2026
- Page last changed
- November 12, 2026
Reported originating these loans in HMDA.
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- Investor loans made, 2025
- 703
- HMDA,
- 1-4 units or business purpose
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Multifamily dollars, 2025
- Not reported
- HMDA,
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How to reach them
Each line shows where it came from
- Phone
- 833-920-2273 From the lender's website, retrieved November 11, 2026. Source page
- Website
- lower.comFrom the lender's own site, retrieved November 9, 2026.
- Based in
- Columbia, MDHMDA,
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
No public record of recent loans. That can mean no such loans or no duty to report.
What it lends on
HMDA and SBA files
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 703 | $170M | $195K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Maryland HQ | 1 | 0 | 22 | 0 | 0 |
| Florida | 0 | 0 | 102 | 0 | 0 |
| Texas | 0 | 0 | 91 | 0 | 0 |
| Ohio | 0 | 0 | 88 | 0 | 0 |
| South Carolina | 0 | 0 | 50 | 0 | 0 |
| North Carolina | 0 | 0 | 47 | 0 | 0 |
| Illinois | 0 | 0 | 39 | 0 | 0 |
| Georgia | 0 | 0 | 27 | 0 | 0 |
| Colorado | 0 | 0 | 24 | 0 | 0 |
| Virginia | 0 | 0 | 22 | 0 | 0 |
| Indiana | 0 | 0 | 19 | 0 | 0 |
| Iowa | 0 | 0 | 16 | 0 | 0 |
Also in CA, TN, WA, KY, PA, AL, ID, LA, MI, NJ, NV, WI, MN, MT, UT.
Loan channel and SBA processing
Public record only
- Of 703 1-4 unit investor loans with a known channel in 2025, 154 (21.9%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
Peers
Same kind of lender, similar size and book
What we don't know
- Whether it is taking new loans today, or on what terms.
- Its balance sheet, capital or total lending. Non-banks file no call report, so this page shows only loans that appear in HMDA or SBA files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Non-depository HMDA filer.
Check this page
Against the regulator's own record
- Name and entity. Lower, LLC, Columbia, MD. A non-bank has no regulator certificate, so the name comes from the public files that carry it.
- Loans made. 703 recorded loans from the HMDA file, in 2025: 703 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to Lower, LLC]
- Phone and website. Phone 833-920-2273, from the lender's website on November 11, 2026. Website lower.com, from the FDIC record. [How to reach them]
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For the record
Data as of HMDA 2025, SBA September 30, 2026. Page last changed November 12, 2026.
- LEI
- 549300RN01LBYR8ZVX74
- The Lender Report ID
- lr_009264
- Originated 703 1-4 unit investor or business-purpose loans totaling $170.1M in 2025 (HMDA).
Cite this
Source: The Lender Report, Lower, LLC, https://lender.report/lender/lower-md/, data as of December 31, 2025.
Sources
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem