In an industry often slowed by incremental change, Lower has made two major moves that reshape what mortgage lending can look like in the AI era.
In 2025, Lower acquired Movoto—a top-five U.S. real estate portal attracting more than 150 million annual visits. The acquisition expanded Lower’s reach to the very start of the homebuyer journey. Now, the lender has taken its next step: partnering with CANDID to unify marketing, sales, and retention within a single modern operating system.
Together, these actions position Lower to guide borrowers from search to close—and well beyond—while signaling where the broader industry is heading.
Why Lower Chose CANDID
For years, lenders have struggled with fragmented technology: legacy CRMs, multiple POS systems, separate retention tools, and a patchwork of custom integrations. Lower saw an opportunity to break that cycle by consolidating its stack into one cohesive platform.
By adopting CANDID, Lower gains a unified system designed to support a modern, scaling organization—bridging the experience across loan officers, referral partners, and borrowers.
What the Partnership Delivers:
- Tech consolidation across the P&L. One platform now connects Lower’s direct-to-consumer CRM, business intelligence platforms, and the Movoto portal—creating a single hub with a unified flow of data.
- Adoption at scale. With 61%+ LO adoption, CANDID functions as the daily hub for activity—mobile-first, automated, and equipped with communications and pipeline management tools that save time and accelerate productivity.
- Referral partner empowerment. Realtors and partners gain tools that strengthen relationships and drive deal flow—without extra apps or added friction.
- Retention built in. Through CANDID’s Client Retention Cloud, borrowers remain engaged for life with refinance AI SMS, equity insights, annual reviews, listing alerts, and even automated handwritten cards. Personal automation makes lifelong relationships possible—at scale.
A Signal to the Industry
Garrett Locklear, Founder of CANDID, described the move this way:
“CANDID isn’t another piece of software—it’s the foundation for how the next generation of mortgage companies will grow,” said Garrett Locklear, Founder of CANDID. “Lower, under Dan Snyder and Adam Wiener’s leadership, is showing the entire industry what that future looks like. This is the standard now—and they’re the ones setting it.”
The message to the market is clear: borrower expectations are rising, technology must keep pace, and the old patchwork approach is no longer sustainable. Lower’s decision to align with CANDID demonstrates what the future of lending will look like—connected, consolidated, and built for scale.
For more information on how CANDID is leading the way in mortgage technology, visit candid.inc.
