Client Partner Profile: Lower, LLC
About Lower, LLC
Since launching, Lower has become a multi-channel, digital lender ranking as the 30th largest home lender in the country. Lower operates an online consumer-direct channel, offline retail channel, and third-party origination platform serving both brokers and other fintechs. In December 2023, the company expanded its footprint by acquiring Thrive Mortgage, LLC.
BEFORE QC ALLY:
About a decade ago, Lower (then Homeside Financial) was seeking approval with Fannie Mae and Freddie Mac, which meant they needed to build out both robust prefunding reviews and post-close auditing processes. At the time, their quality department consisted of just a single person doing clear-to-close compliance reviews. If they were going to realize sustainable and effective growth, they knew it was time to invest in QC.
With QC Ally
“Anybody who’s gone through a MORA audit knows it’s intense. To know that you can go into a situation like that with confidence that your vendor is compliant. It just doesn’t get any better than that.”
– Misty Skelton, SVP of Quality Control
Unmatched confidence during GSE, state, and internal audits
A partnership that evolves with changing business requirements
Aligned vision of employing only highly skilled underwriters
Partnership. Excellence. Quality
QC Ally is your partner in tech-enabled enterprise loan quality and audit services. For over 20 years, we’ve delivered accurate results to ensure regulatory and investor compliance while providing quality control services aligned with every client partner’s unique requirements.
Together we achieve true enterprise quality throughout the lifecycle of the loan.