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Founded Year



Series A | Alive

Total Raised


Last Raised

$100M | 2 yrs ago



Mosaic Score
The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.

+80 points in the past 30 days

About Lower

Lower is a mobile-first homeownership ecosystem that provides consumers with everything they need to buy a home—including a home savings account, home financing and refinancing, real estate agent match, and instant homeowners insurance quote. It was founded in 2014 and is based in New Albany, Ohio.

Headquarters Location

8131 Smith's Mill Rd

New Albany, Ohio, 43054,

United States


Lower's Product Videos

Lower Website.jpg

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Lower's Products & Differentiators

    HomeFund (Lower Savings App)

    HomeFund is a first of its kind savings app that steers consumers to plan for their down payment, even if they’re not quite ready to purchase a home. The FDIC-insured savings account has a 0.75% APY, which is currently 25 times higher than the national deposit rate average for interest checking accounts. The app allows consumers to monitor their credit, set savings goals, and auto deposit. It also featured HomeCash, a dollar for dollar match in rewards up to the first $1,000 saved.

Expert Collections containing Lower

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Lower is included in 4 Expert Collections, including Mortgage Tech.


Mortgage Tech

218 items

Companies here streamline and digitize the mortgage lending process. Collection includes direct lenders, mortgage brokers, process optimization technologies for lenders, as well as tools that support borrowers throughout the search and application phases.


Real Estate Tech

2,258 items

Startups in the space cover the residential and commercial real estate space with a focus on consumers. Categories include buying, selling and investing in real estate (iBuyers, marketplaces, investment/crowdfunding platforms), and also tenant experience, property management, et



3,739 items

Companies and startups that use of technology to improve core and ancillary insurance operations. Companies in this collection are creating new product architectures, improving underwriting models, accelerating claims and creating a better customer experience



7,751 items

US-based companies

Latest Lower News

Lower unveils Mortgage as a Service platform, announces Opendoor as first customer

Jan 20, 2023

By Edlyn Cardoza Share Lower debuts a new Mortgage as a Service (MaaS) platform that easily allows consumer brands to offer mortgage products to their customers. After piloting the service, Opendoor, one of the leading e-commerce platforms for residential real estate transactions, moved their mortgage fulfillment to Lower exclusively. Launching an in-house mortgage lending operation has historically been a complex undertaking for many businesses. Through the MaaS platform, Lower provides a solution for consumer finance, banking, and real-estate brands to offer a digital-first home financing experience quickly and easily, with white-label options available. It can be embedded into the partner’s customer journey through API and no-code solutions. Lower’s unique blend of human expertise and technology has been a winning formula for the team, underscored by Opendoor’s early service adoption. To lead the new platform, the company has named Chelsea Wagner SVP of Partnerships. “Nearly every proptech and fintech company we talk to has some version of home lending on their roadmap. It’s a natural value add, but until now there wasn’t a solution. Our infrastructure and expertise make us uniquely positioned to accelerate a new mortgage offering,” said Wagner. “We believe the demand will be high for this product as a new, easily implemented product offering for companies.” As a part of the founding team, Wagner built and managed the company’s direct-to-consumer channel from the ground up. She now transitions to her new role to underscore Lower’s commitment to the MaaS channel and bring her strategy and lending expertise to every step of the relationship. “Chelsea has been an integral member of Lower since day one. It was a natural fit to promote someone so passionate about the customer experience and committed to helping our partners develop their business strategy in the home lending space,” said Co-Founder and CEO of Lower Dan Snyder. About the new platform, Snyder continued, “We’ve taken our years of mortgage experience and processes and allowed any business to offer mortgage to its customers. This is a big step for brands with captive audiences but not the means or experience to offer such products. It allows companies like Opendoor to stay focused on what they do best, while adding a new product that lives up to their brand promise and expand their reach.” The MaaS offering immediately allows companies to offer their consumers home financing options while expanding their lending footprint to more than 93% of the U.S. population. Customers will have access to Lower’s full suite of products tailoring loan options to their specific needs. Previous Article Digital monthly issue Global coverage

Lower Frequently Asked Questions (FAQ)

  • When was Lower founded?

    Lower was founded in 2014.

  • Where is Lower's headquarters?

    Lower's headquarters is located at 8131 Smith's Mill Rd, New Albany.

  • What is Lower's latest funding round?

    Lower's latest funding round is Series A.

  • How much did Lower raise?

    Lower raised a total of $105.95M.

  • Who are the investors of Lower?

    Investors of Lower include Accel and Paycheck Protection Program.

  • Who are Lower's competitors?

    Competitors of Lower include Kiavi, Neat Capital, Aerojet Rocketdyne, Own Up, Valon and 16 more.

  • What products does Lower offer?

    Lower's products include HomeFund (Lower Savings App) and 2 more.

Compare Lower to Competitors Logo deconstructed the home-financing ecosystem and replaced it with a digitized process.’s platform offers a digital marketplace featuring competitive quotes from an array of insurance providers for seamless purchase of a homeowner's insurance policy and instant access to real estate agents across the country.

Roostify Logo

Roostify provides a cloud-based digital lending platform, which enables mortgages to be done via smartphone, customers and lenders to accelerate the home loan experience improving speed, eliminating paper as well as simplifying the process to reduce costs.

Habito Logo

Habito is a startup specializing in digital mortgages that aims to help users apply for mortgages and avoid overpaying through its platform. The platform makes use of chatbot interfaces and machine learning that is designed to make the process more efficient. The platform offers access to mortgage products from a range of lenders. Habito was founded in 2015 and is based in Reading, U.K.

ICE Mortgage Technology

ICE Mortgage Technology develops software products and services for mortgage lenders to process mortgage applications. is a cloud-based platform provider for the mortgage finance industry. It is based in Pleasanton, California.


RealKey is a facilitated mortgage submission platform to process loans with no conditions from underwriting, focused primarily on improving documentation collection and review.

Kiavi Logo

Kiavi combines technology, consumer experience, data analysis, and a private investment platform to provide real estate loans that are fast, flexible, and competitively priced. The company makes it possible for everyone from the small common investor up to the large institutional fund to invest in real estate securities that have attractive yields and are easy to understand. Kiavi was formerly known as LendingHome. The company was founded in 2013 and is based in San Francisco, California.

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