AMSW Lending
- Company typePrivate
- Founded-
- HeadquartersColumbia, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
AMSW Lending firmographics
Firmographics- Name
- AMSW Lending
- Legal name
- Lower, LLC
- Website
- https://amswlending.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
AMSW Lending industry classification
Industry- Product category
- Consumer Mortgage Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)
- akta.pro secondary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
Keywords
Where AMSW Lending is headquartered
LocationHeadquarters
- HQ city
- Columbia
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
AMSW Lending business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Mortgage Lending: AMSW Lending generates revenue through originating mortgage loans. The company earns interest income on the loans it originates, serving as a direct lender to consumers. The company is part of the Lower family of companies which includes multiple mortgage lending DBAs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Interest rates are personalized based on loan type, creditworthiness, and market conditions |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
AMSW Lending product offering
Product offeringCore offering
AMSW Lending operates as a direct-to-consumer residential mortgage lender offering FHA, VA, Conventional, and Adjustable-Rate Mortgage (ARM) home loans for purchases and refinances. The company, which operates as a DBA of Lower, LLC, supports borrowers through an online application portal and a mortgage calculator, holding NMLS ID #1124061 and operating as an Equal Housing Lender.
Product overview
AMSW Lending is a home mortgage lender that offers a portfolio of loan products including FHA loans for first-time homebuyers, VA loans for military veterans, Conventional loans for well-qualified borrowers, and ARM loans with variable rates. The company also provides a Mortgage Calculator tool on its website. All products are offered through an online application portal and are backed by Lower, LLC, with operations in multiple states.
Differentiator
Problem solved
Functional benefit
Products and services
- FHA Loans
Companies that use AMSW Lending
Customer profileSegments4 records
Ideal customer profiles4 records
AMSW Lending technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
AMSW Lending partnerships and signals
Strategic signalScale indicators1 record
Recent moves1 record
Expansion highlights4 records
AMSW Lending competitors and assessment
Company assessmentDirect peers
- Rocket Mortgage: Largest direct-to-consumer retail mortgage lender in the U.S., offering FHA, VA, Conventional, and Jumbo products through a fully digital application platform. Same core product mix and DTC channel as AMSW Lending.
- Guild Mortgage: Retail-focused mortgage lender with strong FHA/VA product exposure and a multi-state retail branch plus digital channel. Overlaps with AMSW in government-insured product mix and consumer-direct origination.
- loanDepot: National retail and digital mortgage lender offering FHA, VA, Conventional, and HELOC products to consumers via online application portals. Closely comparable in product breadth and DTC origination model.
- Better.com: Digital-first direct mortgage lender offering purchase and refinance mortgages through a streamlined online application. Mirrors AMSW's reliance on a digital application portal and DTC capture.
- Movement Mortgage: Retail mortgage lender offering FHA, VA, Conventional, and other loan products to consumers through branch and digital channels. Comparable retail DTC origination focus.
- Caliber Home Loans: Retail and wholesale mortgage lender offering purchase and refinance products including FHA, VA, and Conventional. Directly comparable in product mix and consumer-direct channel.
- Fairway Independent Mortgage: Retail mortgage banker with broad government and conventional product offerings and a multi-state branch network plus digital lead capture. Comparable in retail FHA/VA-heavy mix.
- NewRez (Newcastle Investment Trust / Shellpoint Mortgage): Retail and wholesale mortgage lender offering conventional, FHA, VA, and non-QM products through direct and partner channels. Comparable product breadth and consumer-facing origination.
Emerging players
- SoFi: Digital consumer finance platform that has expanded into mortgage origination; competes with AMSW for digitally savvy, well-qualified borrowers through a fully online application experience.
Broad incumbents
- UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender; primarily serves brokers rather than consumers directly, but operates in the same overall origination market with overlapping loan products (FHA, VA, Conventional).
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
AMSW Lending social profiles
Digital presenceAMSW Lending compliance and trust
Trust signalCompliance2 records
AMSW Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
AMSW Lending leadership team
Management profileNumber of profiles
AMSW Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AMSW Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AMSW Lending
What does AMSW Lending do?
AMSW Lending operates as a direct-to-consumer residential mortgage lender offering FHA, VA, Conventional, and Adjustable-Rate Mortgage (ARM) home loans for purchases and refinances. The company, which operates as a DBA of Lower, LLC, supports borrowers through an online application portal and a mortgage calculator, holding NMLS ID #1124061 and operating as an Equal Housing Lender.
Is AMSW Lending a public or private company?
AMSW Lending is a private company. It is classified as corporate owned and is currently operating.
When was AMSW Lending founded?
AMSW Lending was founded in -1. It employs 1 to 10 people.
Where is AMSW Lending based?
AMSW Lending is headquartered in Columbia, United States, in the North America region.
How does AMSW Lending make money?
One revenue line is on record: mortgage Lending.
Who are AMSW Lending's main competitors?
Direct peers on record are Rocket Mortgage, Guild Mortgage, loanDepot, Better.com, Movement Mortgage, Caliber Home Loans, Fairway Independent Mortgage and NewRez (Newcastle Investment Trust / Shellpoint Mortgage). SoFi is listed as an emerging player. UWM (United Wholesale Mortgage) is listed as a broad incumbent.
Does AMSW Lending have an API?
No public API is recorded for AMSW Lending.
What industry is AMSW Lending in?
AMSW Lending's product category is Consumer Mortgage Lending. Its primary akta.pro industry code is FSALAAAI, Government-Insured Mortgage Origination (FHA/VA/USDA), with a secondary code of FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance). Its NAICS code is 522 and its SIC code is 6162.