Lower

Lower is a U.S. direct-to-consumer mortgage lender and servicer (Lower, LLC, NMLS #1124061) offering home purchase loans, refinancing, and home equity products including conventional, FHA, VA, jumbo, and adjustable-rate mortgages, HELOCs, and cash-out options. Lower operates a mobile-first application experience with dedicated loan officers and conducts business in 47 states plus the District of Columbia. It was surfaced as a portfolio company of Accel and added to the API Evangelist network. Lower publishes no public developer portal, API documentation, or machine-readable API surface at this time; this profile captures its public web, legal, and domain-security posture.

Lower is profiled on the APIs.io network. Tagged areas include Company, Services, Mortgage, Lending, and Home Loans.

Lower’s developer surface includes engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.9/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Services Mortgage Lending Home LoansRefinanceHome Equity Real-Estate Fintech

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 11.9/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.4 / 20

Access Clarity 5.5 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/lower: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: lower
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/lower.png
name: Lower
description: 'Lower is a U.S. direct-to-consumer mortgage lender and servicer (Lower, LLC, NMLS #1124061) offering home purchase
  loans, refinancing, and home equity products including conventional, FHA, VA, jumbo, and adjustable-rate mortgages, HELOCs,
  and cash-out options. Lower operates a mobile-first application experience with dedicated loan officers and conducts business
  in 47 states plus the District of Columbia. It was surfaced as a portfolio company of Accel and added to the API Evangelist
  network. Lower publishes no public developer portal, API documentation, or machine-readable API surface at this time; this
  profile captures its public web, legal, and domain-security posture.'
url: https://raw.githubusercontent.com/api-evangelist/lower/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Services
- Mortgage
- Lending
- Home Loans
- Refinance
- Home Equity
- Real-Estate
- Fintech
tags_raw:
- Company
- Services
- Mortgage
- Lending
- Home Loans
- Refinance
- Home Equity
- Real Estate
- Fintech
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/lower-domain-security.yml
- type: Website
  url: https://www.lower.com/
- type: Blog
  url: https://www.lower.com/blog
- type: Support
  url: https://www.lower.com/faqs
- type: Login
  url: https://home.lower.com/login
- type: TermsOfService
  url: https://www.lower.com/legal/website-terms-of-use
- type: PrivacyPolicy
  url: https://www.lower.com/legal/privacy-policy
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1

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