Culture of innovation with unlimited potential - Anonymous employee Lower Employee Review

5.0
Nov 5, 2019
Anonymous employee
Recommend
CEO approval
Business Outlook

Pros

Any new career or job will become your 'home away from home.' It's a simple and honest fact that in our working years, we will spend a significant amount of our lives at work. This company recognizes, appreciates, and embraces that by cultivating a winning culture in the workplace that exceeds expectations in workplace satisfaction. From the design of the work space itself, to the tone of messaging from top leadership down, Lower exudes an environment conducive to innovation. Thought leadership is welcomed and encouraged from all voices within the company's walls - no matter the title or tenure of the employee. We value and appreciate what makes our employees unique and successful, and aim to amplify and celebrate those characteristics as part of our culture. You will be hard-pressed to find another team environment as fun or exciting than the one being built at this fin-tech. Leadership is never complacent with the status quo, and expects the same of their employees in providing life-changing customer experiences.

Cons

I have been at this company for only a few short months and have yet to identify situations or issues that I'd personally consider a con. I understand there are steep learning curves in this industry that often give young job-seekers hesitation in getting started. Our company has put in place excellent hands-on training programs taught in-house by Lower management teams to give our future sales leaders the best opportunity to create the future they desire. The personal willingness to self-motivate your career in this way is not for everyone. The company is growing rapidly with no plans to slow down. In fact, we continue to innovate and put in place new best practices and services that change the way we do work now, and will change the way we do work in the near future. Incoming employees must be change agile and able and willing to adapt and embrace the vision of the future that defines this company. Again, not so much a con as it is a recognition that this may not be the best cultural fit for everyone.

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Lower Response
6y
Thank you for leaving your feedback! As a growing company, we value internal promotion and training our existing employees to further advance their career. We are rapidly growing and as you mentioned, not plans to slow down any time soon.

Explore other reviews about Lower

5.0
Mar 20, 2026
Recommend
CEO approval
Business Outlook

Pros

-incredible earning potential -supportive management that cares about the LO's -All the tools supplied to succeed -Great work culture, lots of fun events -Communication between team members

Cons

- sometimes files take longer than expected to close - unexpected variables in the loan process

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Lower Response
1mo
Thank you for taking the time to share your feedback! I'm glad you value the great work culture and supportive management. We understand some files take longer than expected to close. Lower is continously working to streamline and approve our processes to help our borrowers.
1.0
Apr 6, 2026
Recommend
CEO approval
Business Outlook

Pros

There are limited pros working at Lower. Based on my experience, I would only recommend working here if you're new to the industry. Get licensed, learn the basics, and leave after a year.

Cons

If you have been in the industry for more than a year, you know products, you know guidelines, you know how to sell. That said, find a company with a comp plan that makes sense with a rate sheet that actually benefits the consumer. Ironically, rates at Lower at the Highest in the industry. You'll be asking borrowers to take on a 30-year-fixed -rate mortgage that's 50bps (or more) higher than the industry. On top of the higher pricing, you get paid a fraction of what other loan officers make. Instead of $20K/mo commissions, you'll be making $3K at best. The hourly rate is a recoverable draw so you're making $60K while other loan officers are making $200K+ per year. If that wasn't enough, your loans will sit in process FOREVER. No one knows what's going on. From VP to processor, there is zero communication. Loans will fallout left and right.

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