PowerTPO, founded in January 2022 by Brett Arsta and Michael George, rebranded to PwrTPO in 2026 to reflect its ongoing commitment to empowering partners and strengthening relationships. As part of the Lower, LLC family, PwrTPO offers aggressive pricing, simplified processes, and top-tier service. Backed by a leadership team with over 150 years of combined mortgage experience, PwrTPO deeply understands the needs of the TPO Community. The company serves both Mortgage Brokers and Independent Mortgage Bankers as a trusted agency lender, providing a seamless lending experience with a focus on delivering exceptional results.

At PwrTPO, people drive our innovation. Our leadership team, with over 150 years of combined TPO experience, understands the foundation of true partnership. While we’re backed by a multi-channel fintech leader, recognized by Fast Company for innovation, our focus remains on empowering you through expert guidance and personalized support, enhanced by industry-leading technology.

We believe in proactive collaboration. Our commitment extends beyond providing tools; we’re dedicated to understanding your specific needs and challenges. This allows us to tailor our support and leverage our technology in ways that directly contribute to your growth and success. We are building relationships, not just processing loans.

EQUAL HOUSING LENDER | Lower, LLC dba PwrTPO | NMLS ID #1124061


PwrTPO

This department focuses on managing client relationships and ensuring customer satisfaction through effective account oversight.

Account Management

This department is responsible for evaluating and approving mortgage loan applications based on financial and credit assessments.

Mortgage Underwriting

This department is responsible for managing sales operations, strategies, and customer relationships to drive revenue growth.

Sales Department

This department focuses on creating and nurturing strategic partnerships, identifying growth opportunities, and supporting overall business initiatives.

Business Development

This department oversees the administration and servicing of loan accounts, ensuring customer satisfaction and compliance with lending regulations.

Loan Management

This department focuses on underwriting and managing non-qualified mortgage loans.

PwrTPO

Org chart

Teams

Account Management

Mortgage Underwriting

Sales Department

Business Development

Loan Management

Non-QM Lending

Offices

PwrTPO

Org chart

Teams

Account Management

Mortgage Underwriting

Sales Department

Business Development

Loan Management

Non-QM Lending

Offices

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