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.

National Retail

Private Label

Direct to Consumer

Retail Brands
Yes Mortgage
Lower Local
Hamilton Home Mortgage
Team Hochberg
Key Mortgage Group
Home Trust Lending
Fairfax Mortgage
DMV Mortgage Group
DC Financial
Homeside Financial

Our Channels

Homeside Financial

National Retail



Direct to Consumer

Digital First



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
$400 assistant charge per file
$600 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 ($3 in revenue / $1 spent)

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.

Direct to Consumer
Physical Location


Lower LLC/Homeside Financial
Fountain Hills, AZ


Lower LLC/Homeside Financial
Irvine, CA


Homeside Financial
Lyme, CT


Homeside Financial
Dover, DE


Lakeside Mortgage
Chicago, IL
Homeside Financial
Downers Grove, IL
Northbrook, IL


Homeside Financial
Clinton, IA
Davenport, IA
Urbandale, IA
Key Mortgage Group
Urbandale, IA


Hamilton Home Mortgage
Boca Raton, FL
Cleanwater, FL
Coral Gables, FL
Delray Beach, FL
Doral, FL
Fort Myers, FL
Gainesville, FL
Melbourne, FL
Miami, FL
Ocaia, FL
Orlando, FL
Pembroke Pines, FL
Port Charlotte, FL
Sunrise, FL
Tampa, FL
West Palm Beach, FL
Weston, FL
Homeside Financial
Ft Lauderdale, FL
Port Charlotte, FL
Tampa, FL


Homeside Financial
Berea, KY
Lexington, KY


Homeside Financial
Alexandria, LA
Beton Rouge, LA
Metairie, LA


Homeside Financial
Ocean City, MD
Rockville, MD
Lower LLC/Homeside Financial
Columbia, MD


Homeside Financial
Las Vegas, NV

New Jersey

Hamilton Home Mortgage
Englewood, NJ
Homeside Financial
Bedminster, NJ
Marlton, NJ
Parsippany, NJ
Wall, NJ

North Carolina

Hamilton Home Mortgage
Clemmons, NC
Greensburg, NC
Raleigh, NC
Lower LLC/Homeside Financial
Charlotte, NC
Homeside Financial
Fayetteville, NC
Hickory, NC
Raleigh, NC
Wilmington, NC


Homeside Financial
Dublin, OH


Homeside Financial
Cleona, PA
Radnor, PA
Stroudsburg, PA

South Carolina

Key Mortgage Group
Elgin, SC
Homeside Financial
Greensville, SC
North Myrtle Beach, SC
True Lending
Mt Pleasant, SC


Homeside Financial
Temple, TX
AMSW Lending
Richardson, TX
Hamilton Home Mortgage
Houston, TX
Edinburg, TX


Homeside Financial
St George, UT


Fairfax Mortgage
Fairfax, VA
Homeside Financial
Fairfax, VA
Chesapeake, VA
Ashland, VA
Hamilton Home Mortage
Glen Alen, VA


Q Home Loans
Kennewick, WA
Spokane, WA
Yakima, WA

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.


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 Home Possible + Advantage
FHLMC – Agency, Fixed
Conventional – Conforming, FHLMC, FNMA
3/1, 5/1, 7/1, 10/1 Portfolio ARM


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


Construction to Perm Two-Time Close
Construction to Perm One-Time Close
NCQ Streamline w/o appraisal
High Balance – Fixed, HUD 100
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


High-Balance Conforming
Home Possible Advantage
Home Possible


High Balance Conforming


In-house delegated HELOC for combo loans


FHA 203B HUD 100


IRRRL – Fixed, High Balance
High Balance


Streamline Refinance
Rural Housing


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.

Heather Mitchell
SVP, 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