Lenders › Lower, LLC › Wisconsin
Lower, LLC in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Wisconsin, Lower, LLC reported 257 applications and 167 originations for 2024, $43m in all.
Its denial rate in the state was 11.1%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 12.7%.
The median rate spread on its Wisconsin originations was 0.4 percentage points (state median 0.2).
Applications in the state were up 45% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Lower, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.1% | 17.1% | 12.7% | 24.3% |
| Median rate spread, pp | 0.4 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.3% | 11.0% | 7.3% | 15.6% |
| Average originated loan | $257k | $223k | $310k | $329k |
| Home purchase share | 64.1% | 46.3% | 81.3% | 57.0% |
| FHA-insured share | 16.2% | 5.6% | 26.1% | 13.4% |
| VA-guaranteed share | 7.2% | 4.3% | 8.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 64% (107)Refinancing 10% (17)Cash-out refinancing 26% (43)
By type
Conventional 77% (128)FHA 16% (27)VA 7% (12)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 41 | 25 | $5.1m | 13.8% |
| Brown County | 25 | 20 | $5.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Lower, LLC originate in Wisconsin in 2024?
167 loans totalling $43m, from 257 applications reported for properties in Wisconsin.
What is Lower, LLC's denial rate in Wisconsin?
11.1% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 12.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Wisconsin counties does Lower, LLC lend in most?
By originations: Milwaukee County (25), Brown County (20).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.