Conducts business as “Lower.com,LLC” in Kentucky, Oklahoma, and Washington in lieu of Lower, LLC. Conducts business as “Lowerdotcom,LLC” in Montana in lieu of Lower, LLC.
21781
Alabama Consumer Credit License
State Banking Department
334-242-3452
AK1124061
Alaska Mortgage Broker/Lender License
Division of Banking & Securities
907-465-2521
1000936
Arizona Mortgage Banker License
Department of Financial Institutions
602-771-2800
1001610
Arizona Mortgage Banker License - Other Trade Name #1
Department of Financial Institutions
602-771-2800
115926
Arkansas Combination Mortgage Banker-Broker-Servicer License
Arkansas Securities Department
800-981-4429
60DBO-32973
California - DFPI Financing Law License
Dept. of Fin. Protection and Innovation (DFPI)
866-ASK-CORP
Colorado Mortgage Company Registration
Dept. of Regulatory Agencies
303-894-2166
ML-1124061
Connecticut Mortgage Lender License
Department of Banking
800-831-7225
17812
Delaware Lender License
Office of the State Bank Commissioner
302-739-4235
MLB1124061
District of Columbia Mortgage Dual Authority License
Dept. of Ins., Sec. and Banking Bureau
202-727-8000
MLD1040
Florida Mortgage Lender License
Office of Financial Regulation
850-410-9895
MLD1436
Florida Mortgage Lender Servicer License
Office of Financial Regulation
850-410-9895
40605
Georgia Mortgage Lender License/Registration
Dept. of Banking and Finance
770-986-1633
MBL-2081124061
Idaho Mortgage Broker/Lender License
Department of Finance
208-332-8000
MB.6761019
Illinois Residential Mortgage License
Dept. of Fin. and Prof. Regulation
800-532-8785
23274
Indiana-DFI Mortgage Lending License
Dept. of Fin. Inst.
317-232-3955
2018-0175
Iowa Mortgage Banker License
Iowa Division of Banking
515-281-4014
2019-0019
Iowa Mortgage Banker License - Other Trade Name #2
Iowa Division of Banking
515-281-4014
2020-0005
Iowa Mortgage Banker License - Other Trade Name #3
Iowa Division of Banking
515-281-4014
MC.0025541
Kansas Mortgage Company License
Office of the State Bank Commissioner
785-296-2266
MC327236
Kentucky Mortgage Company License
Dept. of Fin. Inst.
800-223-2579
Louisiana Residential Mortgage Lending License
Office of Fin. Inst. — Non-Depository
225-925-4660
1124061
Maine Supervised Lender License
Bureau of Consumer Credit Protection
207-624-8527
1124061
Maryland Mortgage Lender License
Office of the Comm. of Fin. Reg.
888-784-0136
MC1124061
Massachusetts Mortgage Broker License
Division of Banks
617-956-1500
MC1124061
Massachusetts Mortgage Broker License Other Trade Name #1
Division of Banks
617-956-1500
MC1124061
Massachusetts Mortgage Lender License
Division of Banks
617-956-1500
MC1124061
Massachusetts Mortgage Lender License Other Trade Name #1
Division of Banks
617-956-1500
LS1124061
Massachusetts Third Party Loan Servicer Registration
Division of Banks
617-956-1500
FR0021402
Michigan 1st Mortgage Broker/Lender/Servicer Registrant
Department of Insurance and Financial Services
877-999-6442
SR0021403
Michigan 2nd Mortgage Broker/Lender/Servicer Registrant
Department of Insurance and Financial Services
877-999-6442
MN-MO-1124061
Minnesota Residential Mortgage Originator License
Department of Commerce
651-539-1600
MN-MO-1124061.1
Minnesota Residential Mortgage Originator License Other Trade Name #1
Department of Commerce
651-539-1600
1124061
Mississippi Mortgage Lender License
Dept. of Banking and Con. Finance
800-844-2499
19-2440
Missouri Company License
Division of Finance
573-751-3242
1124061
Montana Mortgage Broker License
Division of Banking and Financial Institutions
406-841-2920
1124061
Montana Mortgage Lender License
Division of Banking and Financial Institutions
406-841-2920
1124061
Montana Mortgage Servicer License
Division of Banking and Financial Institutions
406-841-2920
Nebraska Mortgage Banker License
Department of Banking and Finance
402-471-2171
Nebraska Mortgage Banker License - Other Trade Name #3
Department of Banking and Finance
402-471-2171
Nebraska Mortgage Banker License - Other Trade Name #4
Department of Banking and Finance
402-471-2171
5477
Nevada Mortgage Company License
Division of Mortgage Lending
775-684-7060
23544-MB
New Hampshire Mortgage Banker License
Banking Department
603-271-3561
New Jersey RMLA-Licensed Mortgage Servicer Registration
Dept. of Banking and Insurance
609-292-7272
New Jersey Residential Mortgage Lender License
Dept. of Banking and Insurance
609-292-7272
New Mexico Mortgage Loan Company License
Financial Institutions Division
505-476-4500
L-159832
North Carolina Mortgage Lender License
Commissioner of Banks
919-733-3016
RM-284
North Carolina Reverse Mortgage Lender License
Commissioner of Banks
919-733-3016
MB103565
North Dakota Money Broker License
Dept. of Fin. Inst. - Consumer Division
701-328-9933
ML104525
North Dakota Residential Mortgage Lender
Dept. of Fin. Inst. - Consumer Division
701-328-9933
MS104872
North Dakota Residential Mortgage Loan Servicer
Dept. of Fin. Inst. - Consumer Division
701-328-9933
RM.804155.000
Ohio Residential Mortgage Lending Act Certificate of Registration
Division of Financial Inst.
614-728-8400
LNR16728
Oklahoma Lender Name Registration Other Trade Name #3
Department of Consumer Credit Licensing
405-521-3653
ML012073
Oklahoma Mortgage Lender License
Department of Consumer Credit Licensing
405-521-3653
ML012105
Oklahoma Mortgage Lender License - Other Trade Name #1
Department of Consumer Credit Licensing
405-521-3653
ML014289
Oklahoma Mortgage Lender License - Other Trade Name #2
Department of Consumer Credit Licensing
405-521-3653
ML-5722
Oregon Mortgage Lending License
Division of Financial Regulation
866-814-9710
MS-175
Oregon Mortgage Servicer License
Division of Financial Regulation
866-814-9710
44758
Pennsylvania Mortgage Lender License
Dept. of Banking and Sec.
717-787-2665
68865
Pennsylvania Mortgage Servicer License
Dept. of Banking and Sec.
717-787-2665
20234687LL
Rhode Island Lender License
Department of Business Regulation
401-462-9503
20234688LB
Rhode Island Loan Broker License
Department of Business Regulation
401-462-9503
MLS - 1124061
South Carolina-BFI Mortgage Lender / Servicer License
Board of Fin. Inst.
803-734-2020
MLS - 1124061 OTN #1
South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #1
Board of Fin. Inst.
803-734-2020
MLS - 1124061 OTN #2
South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #2
Board of Fin. Inst.
803-734-2020
MLS - 1124061
South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #3
Board of Fin. Inst.
803-734-2020
MLS - 1124061 OTN #4
South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #4
Board of Fin. Inst.
803-734-2020
MLS - 1124061 OTN #5
South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #5
Board of Fin. Inst.
803-734-2020
#1124061.ML
South Dakota Mortgage Lender License
South Dakota Dept. of Labor and Regulation
(605) 773-3421
123131
Tennessee Mortgage License
Dept. of Fin. Inst.
615-741-2236
Texas - SML Mortgage Banker Registration
Dept. of Savings and Mort. Lending
877-276-5550
Utah-DFI Consumer Credit Notification
Department of Financial Institutions
801-538-8834
1124061
Utah-DFI Residential First Mortgage Notification
Department of Financial Institutions
801-538-8834
11125241
Utah-DRE Mortgage Entity License
Division of Real Estate
801-530-6747
11451660
Utah-DRE Mortgage Entity License - Other Trade Name #1
Division of Real Estate
801-530-6747
MC-5805
Virginia Broker License
Bureau of Fin. Inst.
804-371-9657
MC-5805
Virginia Lender License
Bureau of Fin. Inst.
804-371-9657
CL-1124061
Washington Consumer Loan Company License
Division of Consumer Services
360-902-8703
MB-1124061
West Virginia Mortgage Broker License
Division of Fin. Inst.
304-558-2294
ML-33376
West Virginia Mortgage Lender License
Division of Fin. Inst.
304-558-2294
1124061BA
Wisconsin Mortgage Banker License
Department of Financial Institutions
608-261-7578
1124061BR
Wisconsin Mortgage Broker License
Department of Financial Institutions
608-261-7578
CL-4656
Wyoming Consumer Lender License
Wyoming Division of Banking
(307) 777 7797
4678
Wyoming Mortgage Lender/Broker License
Wyoming Division of Banking
(307) 777 7797
Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of 6/16/2025. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Iowa, Idaho, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.
Home lending products offered by Lower | NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing opportunity
Free Refi for Life: Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Lower. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Lower retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Lower and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval. Other conditions or restrictions may apply. Call for complete details. Offer only valid at the Direct-to-Consumer Division, 7775 Walton Parkway, 4th floor, New Albany, OH 43054, NMLS #1168557 and Bonita Springs Branch, 3501 Bonita Bay Blvd, Bonita Springs, FL 34134. Branch NMLS# 2709923. Offer not available for Washington State consumers.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
Reviews: Zillow® is a trademark of Zillow, Inc. Bankrate® is a trademark of Bankrate, LLC. Lending Tree® is a trademark of Lending Tree, LLC. Google® is a trademark of Google LLC. Facebook® is a trademark of Facebook, Inc...
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