2022 Top Originators as ranked by Scotsman Guide
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Fast Company's
Most Innovative Companies in the World

Many teams. One mission.

A family of companies helping people home.

Join the Lower team.

Tay Toliver
Director of Business Development

National Retail

Private Label

Direct to Consumer

Retail Brands
Premier Nationwide Lending
Thrive Mortgage
Universal Lending Home Loans
Vybe
Yes Mortgage
Lower Local
Hamilton Home Mortgage
Team Hochberg
Key Mortgage Group
Home Trust Lending
Fairfax Mortgage
DMV Mortgage Group
DC Financial
AMSW
Homeside Financial

Our Channels

Homeside Financial

National Retail

Traditional

Lower.com

Direct to Consumer

Digital First

PowerTPO

Wholesale

Third Party Origination

View all brands26

Lower is a multi-channel fintech platform helping people build wealth through homeownership.

Backed by the investor of

Whether digitally or in-person, Lower’s verticals leverage technology to streamline the homebuying process.

"Starting my own private label has been an infusion of excitement that’s been long overdue.”

NMLS ID# 962595
Eric Gerber
Branch manager, VP
P&L vs. Corporate Models

Your business package. Completely you.

Learn more

P&L Model

Set your own compensation
Set your own margin & pricing
Producing or Non-Producing Manager Branch Model
$350 assistant charge per file
$650 corporate processing charge per file

Corporate Model

Accelerated BPS
Pricing review every 30 days
$500 auto allowance bonus
Annual production bonus
Regus office space
Transparent market-specific pricing
Adjust back-end pricing for more income
Marketing budget

Plus so much more.

Included in both
Build your own brand
Brand launch event
Dedicated transition team
Multi-tiered tech stack
In-person training
Recruiting initiatives
Client Connect lead nurturing program
Our Footprint

Across the map.

Retail
Direct to Consumer
Licensed
Non-licensed
Physical Location

Take the next step.

Get in touch
Podcast Spotlight

Hear from one of our own

Loan Officer Freedom with Carl White
Play episode

Mortgage made easy.

A national retail brand with distributed retail network, Homeside Financial foster relationships with agents and borrowers on a local level.

Featured Stories
Joined - 2023

Lower Local

Joined - 2019

DMV Mortgage Group

Joined - 2018

DC Financial

Every year I’ve been here, I’ve increased my business consistently. And it’s all because of the Lower Family platform.”

NMLS ID# 455506
Richard Johnson
Branch Manager, VP

Everything for your home.

Lower.com is a mobile-first, vertically integrated fintech company offering a streamlined financing process with lower rates and lower payments.

Forward-thinking loan advisors who partner with progressive mortgage companies will thrive.”

NMLS ID# 218863
Amir Syed
Chief Growth Officer
Our Products

More products means more options.

Conforming

Construction to Perm Two-Time Close
Construction to Perm One-Time Close
Texas 50(a)(6)
Student Loan Cash-Out Refi
Piggyback Buster IPMI
FNMA Jumbo Conforming
FNMA HomeStyle – Conforming, High Balance, Renovation
FNMA HomeReady
FNMA Agency
FHLMC Jumbo Conforming
FHLMC HomeOne
FHLMC Home Possible + Advantage
FHLMC – Agency, Fixed
Conventional – Conforming, FHLMC, FNMA
3/1, 5/1, 7/1, 10/1 Portfolio ARM

Non-Conforming

Doctors Only Portfolio
Huntington Portfolio
Truist Key Loan Program Jumbo
FBC Jumbo
PenFed Super Jumbo
Bayview Jumbo QM
TIAA Medical Professional Program
MAXEX Jumbo Express and Jumbo
Treasury Jumbo Renovation
FNMA High LTV High Balance
Fixed-Rate Jumbo
Conventional Conforming – Fixed, ARM, High Balance ARM
Interest Only 5/1, 7/1, 10/1 ARM
5/1, 7/1, 10/1 LIBOR ARM
5/1, 7/1, 10/1 CMT ARM

FHA

Construction to Perm Two-Time Close
Construction to Perm One-Time Close
Streamline
NCQ Streamline w/o appraisal
Manufactured
HUD REO
High Balance – Fixed, HUD 100
ARM
Advantage
5/1 Hybrid ARM
203k – Fixed, High Balance, High Balance Streamlined
Streamline – Non-Credit Qualifying, Credit Qualifying, High Balance
203(b) – Fixed, High Balance, Manufactured
203(h) – Fixed, High Balance, Refi

FHLMC

High-Balance Conforming
Home Possible Advantage
Home Possible
HomeOne
CloseFixed

FNMA

HomeStyle
HomeReady
High Balance Conforming
Fixed

HELOC

In-house delegated HELOC for combo loans

Manufactured

Conventional
VA
USDA
FHA
FHA 203B HUD 100

Renovation

Manufactured
IRRRL – Fixed, High Balance
High Balance
Fixed

USDA

Streamline Refinance
Streamline
Rural Housing
Fixed

VA

Construction to Perm Two-Time Close
Construction to Perm One-Time Close
Alteration – Fixed, ARM
Advantage High Balance
5/1 Hybrid ARM
3/1, 5/1 ARM

The ability to be creative with our products—that has helped me build my brand and my business.”

NMLS ID# 937281
Lauren Walton
Sr. Loan Officer
Our tech story.

Award winning tech.

Checkout-style user experience

Whether digitally or in-person, Lower’s verticals leverage technology to streamline the homebuying process.

Automatic underwriting

Files move through the process in record time. Intelligent platform identifies more complicated files and AI handles the rest.

API-driven info verification

Instant verification of employment, soft credit pull, income, tax, assets and identity.

Real-time rate engine

Integration with Optimal Blue collects data and delivers a personalized, real-time rate quote to get customers to a rate, faster.

Business Development

Your rockstar team. + LWR. = Magic.

Private Label Brands

It’s time to do things your way. Build your own branch. Build your own brand. Build your own business.

Retail Recruiting

Our product lineup is massive so your business can be, too. Join a team that works for you.

Third Party Origination

Join the Lower Family of Companies TPO program to get advanced tech and personalized service.

Build your brand at Lower.

Tay Toliver
Director of Business Development
Featured News

Lower Makes Annual Inc. 5000 List

August 16, 2022

Most Americans think now is the time to buy homes. Here's their logic

July 21, 2022

Here’s why Americans think now is the best time to buy a home

July 19, 2022

2022 Columbus Smart 50 Awards recognize region’s top leadership

July 1, 2022

Opendoor Partners with Lower.com

June 28, 2022

Lower launches 'Realtor agnostic' cash-offer service, MortgagePass

June 15, 2022

Lower.com launches program to help home buyers make 'cash' offers without the cash

June 14, 2022

Lower rolls out cash-down program

June 14, 2022

Making the home ownership dream a reality

June 6, 2022

Startups in Columbus, Ohio are thriving and hiring

June 1, 2022

The 2022 Power 100: Here are Columbus' most influential leaders, Part 1

June 1, 2022

These are the best workplaces in Greater Columbus for 2022 according to Columbus CEO

April 20, 2022

In its first funding in 7 years, profitable fintech Lower raises $100M Series A led by Accel

June 23, 2021

Dan Snyder claims #4 Top CEO award from Glassdoor

June 16, 2021

The Columbus Crew's new downtown stadium has a name: Lower.com Field

June 15, 2021
View
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Yes Mortgage
St. Petersburg
,
FL
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Universal Lending Home Loans
Denver
,
CO
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Yes Mortgage
Owensboro
,
KY
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Yes Mortgage
McDonough
,
GA
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Universal Lending Home Loans
Billings
,
MT
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Yes Mortgage
Lexington
,
KY
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Yes Mortgage
Knoxville
,
TN
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Yes Mortgage
Johnson City
,
TN
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Homeside Financial
Wilmington
,
NC
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Homeside Financial
Rockville
,
MD
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Vybe
Columbia
,
MD
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Urbandale
,
IA
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Universal Lending Home Loans
Westminster
,
CO
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Universal Lending Home Loans
Pueblo
,
CO
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Universal Lending Home Loans
Westminster
,
CO
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HomeTrust Lending
Fairfax
,
VA
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Universal Lending Home Loans
Ellizabeth
,
CO
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Universal Lending Home Loans
Borger
,
TX
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Homeside Financial
Temple
,
TX
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Homeside Financial
Stroudsburg
,
PA
Link to the branch
Homeside Financial
State College
,
PA
Link to the branch
Homeside Financial
St. George
,
UT
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Homeside Financial
Salt Lake City
,
UT
Link to the branch
Homeside Financial
Northbrook
,
IL
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Homeside Financial
Ocean City
,
MD
Link to the branch
Homeside Financial
Rockville
,
MD
Link to the branch
Homeside Financial
Salado
,
TX
Link to the branch
Lower Local
Westlake
,
OH
Link to the branch
Lower Local
Algonquin
,
IL
Link to the branch
Hamilton Home Mortgage
Clearwater
,
FL
Link to the branch
Lower Local
Phoenix
,
AZ
Link to the branch
Lower Local
Sarasota
,
FL
Link to the branch
Lower Local
Valparaiso
,
IN
Link to the branch
Lower Local
Lisle
,
IL
Link to the branch
Honor Home Loans
Owensboro
,
KY
Link to the branch
Lower Local
Bloomingdale
,
IL
Link to the branch
Lower Local
Dewitt
,
MI
Link to the branch
Lower Local
New Albany
,
OH
Link to the branch
Lower Local
Miami
,
FL
Link to the branch
Lower Local
New Albany
,
OH
Link to the branch
Legendary Mortgage
Myrtle Beach
,
SC
Link to the branch
Honor Home Loans
Lexington
,
KY
Link to the branch
Honor Home Loans
Bowling Green
,
KY
Link to the branch
HomeTrust Lending
Fairfax
,
VA
Link to the branch
Homeside Financial
Tampa
,
FL
Link to the branch
Homeside Financial
Westerville
,
OH
Link to the branch
Homeside Financial
Columbia
,
MD
Link to the branch
Homeside Financial
Hickory
,
NC
Link to the branch
Heckman Mortgage Group
Henrico
,
VA
Link to the branch
Hamilton Home Mortgage
Sunrise
,
FL
Link to the branch
Hamilton Home Mortgage
Raleigh
,
NC
Link to the branch
Hamilton Home Mortgage
Sunrise
,
FL
Link to the branch
Hamilton Home Mortgage
Pembroke Pines
,
FL
Link to the branch
Hamilton Home Mortgage
Greensboro
,
NC
Link to the branch
Hamilton Home Mortgage
Doral
,
FL
Link to the branch
Hamilton Home Mortgage
Tampa
,
FL
Link to the branch
Hamilton Home Mortgage
Clemmons
,
NC
Link to the branch
Homeside Financial
Greenville
,
SC
Link to the branch
First Trust Mortgage
Delray
,
FL
Link to the branch
First Trust Mortgage
Boca Raton
,
FL
Link to the branch
Fairfax Mortgage
Fairfax
,
VA
Link to the branch
Gerber Group
Dublin
,
OH
Link to the branch
Team Hochberg
Downers Grove
,
IL
Link to the branch
DMV Mortgage Group
Fairfax
,
VA
Link to the branch
Homeside Financial
Fairfax
,
VA
Link to the branch
DC Financial
Fairfax
,
VA
Link to the branch
Community Lending
Port Saint Lucie
,
FL
Link to the branch
Key Mortgage Group
Clinton
,
IA
Link to the branch
Key Mortgage Group
Davenport
,
IA
Link to the branch
Community Lending
Fort Myers
,
FL
Link to the branch
Homeside Financial
Fairfax
,
VA
Link to the branch
AMSW Lending
Richardson
,
TX
Link to the branch
Homeside Financial
Chicago
,
IL
Link to the branch
Cabrales Mortgage
Edinburg
,
TX
Link to the branch
Homeside Financial
Baton Rouge
,
LA
Link to the branch
Homeside Financial
Austin
,
TX
Link to the branch
Homeside Financial
Alexandria
,
LA