Lender reviews › Homeside Financial
Homeside Financial: 2025 loan data
Homeside Financial's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as LOWER, LLC
- Home loans closed17,905Loans it funded in 2025
- Approval rate86.1%Of applications it said yes or no to
- Typical loan costs$7,739.00Middle amount, before taxes, prepaids and escrow
- Typical lender fees$2,749.62Its own charges to make the loan
What it closes
17,905 home loans closed in 2025
Share of its 2025 home loans: 63% Conventional, 26% FHA, 10% VA and 1% Other types.
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
Reported application outcomes and pricing, 2025
- Filed asLOWER, LLC
- 2025 home loan decisionsOf 21,067 applications decided by LOWER, LLC in 2025, 17,905 were originated, 236 were approved but not accepted by the borrower, and 2,926 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 86.1%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 7,902 applications were withdrawn by the borrower, 674 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.34 percentage points above the average prime offer rate (reported on 17,231 originations, 674 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$7,739.00 — originated closed-end household loans, 2025, 16,509 of 17,109 loans. FFIEC HMDA data browser.
- Median origination charges$2,749.62 — originated closed-end household loans, 2025, 17,106 of 17,109 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types11,255 Conventional, 4,731 FHA, 1,798 VA, 121 USDA — of 17,905 reported originations, 2025. FFIEC HMDA data browser.
Evidence read November 11, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for LOWER, LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.