Lower

Overview

Lower is a fintech company based in Columbus, Ohio, dedicated to simplifying homeownership through a digital home finance platform. Founded in 2014, the company provides a comprehensive ecosystem that supports individuals in their home financing journey, including mortgage lending, refinancing, home insurance, and savings accounts. It is recognized as the 28th largest home lender in the U.S. and has funded billions in loans, earning over 16,000 five-star customer reviews.

Operating as a digital mortgage lender, Lower combines technology with human expertise to streamline financial transactions. Its services include a Mortgage as a Service (MaaS) platform that enables other businesses to offer mortgage products under their own brand. Lower also partners with major insurance carriers to provide home insurance and has developed software solutions like LowerOS to enhance the borrowing experience, focusing on a digital-first approach to lower barriers to homeownership for both individuals and businesses.

Basic Information

Contact Details

• Phone: +1 833-920-2273
• Website: lower.com
• LinkedIn: linkedin.com/company/lower

Key Focus Areas & Initiatives

• Home purchase
• Home refinancing
• Cash out loans
• Customer service
• Consumer lending
• VA, FHA, and USDA loans
• Mortgage servicing platform
• Mortgage API ecosystem
• API integration
• Homeownership wealth-building
• Direct to consumer lending
• Software development
• Digital mortgage services
• Digital banking
• Home savings app
• No-code platform
• Loan management
• Origination platforms and automation
• Customer-centric mortgage products
• Home insurance brokerage
• Refinancing solutions
• Digital mortgage ecosystem
• Homeownership accessibility
• Digital mortgage technology integration
• Fast and instant mortgage approval
• Loan origination system
• Mortgage process automation
• Jumbo, HELOC, and home equity loans
• Buyer education and homebuying resources
• Accessible mortgage services
• Streamlined loan application process
• Personalized loan solutions
• Dedicated loan advisor support
• Hybrid mortgage model
• B2C and B2B lending
• Competitive mortgage rates
• Mortgage calculator and payment portal

Technologies Used

• Adobe Media Optimizer
• Amazon AWS
• Atlassian Cloud
• Cedexis Radar
• Circle
• DNSimple
• Facebook Custom Audiences
• Facebook Login (Connect)
• Facebook Widget
• Gmail
• Google Apps
• Google Font API
• Google Tag Manager
• Mailchimp Mandrill
• Microsoft Azure Monitor
• Microsoft Office 365
• Mobile Friendly
• Outlook
• Rackspace MailGun
• React Redux
• Sendgrid
• Typekit
• Vimeo
• Webflow
• Workday

Affiliated Organizations & Regional Branches

• Lower
• OJO
• Movoto