Florida › Boca Raton › Lower, LLC
Lower, LLC
Lower, LLC is a mortgage lender: it funds loans with its own money or credit lines, then keeps, services or sells them (Fla. Stat. 494.001(24); CFPB: “a financial institution that makes direct loans”). It has 19 licensed Florida offices: Apollo Beach, Arcadia, Boca Raton, Bonita Springs, Clearwater, Coral Gables, Delray Beach, Fort Myers and more. Its principal office is in Columbia, MD.
| Kind | Mortgage lender |
| License or charter | Florida mortgage lender (Chapter 494), status Approved |
| NMLS id | 1124061 (company); branches 2385848, 2385862, 2385869, 2385908, 2386158, 2571180, 2586696, 2589496, 2652239, 2709916, 2709923, 2710866, 2732773, 2816504, 2824371, 2836781, 2841246, 2900811, 2901491, 2903950, 2903958, 2907230 |
| Florida offices | Apollo Beach, Arcadia, Boca Raton, Bonita Springs, Clearwater, Coral Gables, Delray Beach, Fort Myers, Jacksonville, Lakewood Ranch, Longwood, Marco Island, Miami, Naples, Orlando, Spring Hill, Tampa, Valrico, Winter Haven |
| Counties | Collier, Desoto, Duval, Hernando, Hillsborough, Lee, Miami-Dade, Orange, Palm Beach, Pinellas, Polk, Sarasota, Seminole |
| Website | None on file |
Loan types
Lower, LLC does not publish a loan program list we could read because no website is on file. The license record above is the public data available. If this is your company, claiming the page lets you list programs free.
Loan mix from federal filings
| Florida loans originated, 2025 | 1,721 |
| Applications | 2,831 |
| Denial rate | 11% |
| Conventional / FHA / VA / USDA | 65% / 26% / 8% / 1% |
| Purchase / refinance / cash out | 83% / 5% / 12% |
| Home improvement / other purpose | 0% / 0% |
| Home equity lines of credit (HELOC) | 40 of the 1,721 |
| Investor and second home share | 11% |
| Dollar volume | $558,825,000 |
| Top counties | Lee (207), Polk (143), Hillsborough (133), Pinellas (127), Broward (121) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by LOWER, LLC. Counts are loans in Florida only.
Lower, LLC offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Apollo Beach | 109 Harbor Village Lane 33572 | (888) 826-2710 | Branch, NMLS 2901491 |
| Arcadia | 822 E Magnolia St, Suite H 34266 | (888) 826-2710 | Branch, NMLS 2586696 |
| Boca Raton | 551 Nw 77th St, Suite 102 33487 | (888) 826-2710 | Branch, NMLS 2385848 |
| Bonita Springs | 3501 Bonita Bay Blvd 34134 | (888) 826-2710 | Branch, NMLS 2709923 |
| Clearwater | 221 N Belcher Road 33765 | (888) 826-2710 | Branch, NMLS 2385862 |
| Coral Gables | 2000 Ponce De Leon Blvd, Suite 509e 33134 | (888) 826-2710 | Branch, NMLS 2385869 |
| Delray Beach | 103 Ne Second Avenue 33444 | (888) 826-2710 | Branch, NMLS 2589496 |
| Fort Myers | 8191 College Parkway, Suite 203 33919 | (888) 826-2710 | Branch, NMLS 2385908 |
| Jacksonville | 12574 Flagler Center Blvd., Suite 101, Office 128 32258 | (888) 826-2710 | Branch, NMLS 2907230 |
| Lakewood Ranch | 7313 Merchant Court, Suite F 34240 | (888) 826-2710 | Branch, NMLS 2841246 |
| Longwood | 2101 W State Rd 434, Ste 105, Office 1 32779 | (888) 826-2710 | Branch, NMLS 2903950 |
| Marco Island | 950 N Collier Blvd, Suite 405 34145 | (888) 826-2710 | Branch, NMLS 2710866 |
| Miami | 13155 Sw 42nd Street, Suite 206 33175 | (888) 826-2710 | Branch, NMLS 2824371 |
| Naples | 2800 Davis Blvd, Suite 211 34104 | (888) 826-2710 | Branch, NMLS 2709916 |
| Orlando | 1310 East Robinson Street, Suite 300 32801 | (888) 826-2710 | Branch, NMLS 2652239 |
| Orlando | 4700 Millenia Blvd., Suite 500, Office 5057 32839 | (888) 826-2710 | Branch, NMLS 2816504 |
| Spring Hill | 10480 Spring Hill Dr., Ste 105, Office 1 34608 | (888) 826-2710 | Branch, NMLS 2903958 |
| Tampa | 13139 W Linebaugh Avenue, Suite 204-b 33626 | (888) 826-2710 | Branch, NMLS 2386158 |
| Tampa | 201 E. Davis Blvd, Unit 11 33606 | (888) 826-2710 | Branch, NMLS 2571180 |
| Tampa | 3030 N Rocky Point Dr W, Suite 150, Units 8, 10 & 14 33607 | (888) 826-2710 | Branch, NMLS 2836781 |
| Valrico | 2350 E State Road 60 33594 | (888) 826-2710 | Branch, NMLS 2900811 |
| Winter Haven | 429 First Street South 33880 | (888) 826-2710 | Branch, NMLS 2732773 |
As of October 15, 2026Source: Florida OFR office and branch records. Addresses are as filed; call before visiting.
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Palm Beach County at a glance
| Mortgage applications filed in 2025 | 63,748 |
| Loans originated | 28,383 |
| Denial rate | 20% |
| FHA share of originations | 12% |
| VA share | 3% |
| Investor and second home share | 15% |
| Dollar volume originated | $14,377,195,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $667,000 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Palm Beach County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.