Luminate Home Loans, Inc.
Luminate Home Loans, Inc. received 1,280 applications in 2025 and made 846 mortgages, in 381 counties across 44 states. The median rate its borrowers got was 6.875% on a median loan of $305,000. Of 903 decisions, 41 were denials — 4.5%, most often for collateral. 9 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300AENO88GEUWCZ39 |
|---|---|
| Applications received | 1,280 |
| Mortgages made | 846 |
| Denied | 41 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 377 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.4575 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 732 | 6.875% | $305,000 | 4.6% |
| Refinancing | 52 | 6.875% | $415,000 | 3.7% |
| Cash-out refinancing | 62 | 7.375% | $275,000 | 4.5% |
Where Luminate Home Loans, Inc. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hennepin County, MN | 38 | 6.875% | 0.0% |
| Marion County, IN | 21 | 6.750% | 0.0% |
| Ramsey County, MN | 14 | 7.188% | 0.0% |
| Clark County, NV | 14 | 7.188% | 6.7% |
| Greenville County, SC | 14 | 6.625% | 0.0% |
| San Diego County, CA | 13 | 6.875% | 13.3% |
| Oklahoma County, OK | 13 | 6.875% | 0.0% |
| Dakota County, MN | 12 | 6.688% | 0.0% |
| Mohave County, AZ | 11 | 6.875% | 0.0% |
| Adams County, CO | 11 | 6.375% | 8.3% |
| Jefferson County, CO | 11 | 6.500% | 0.0% |
| Anoka County, MN | 11 | 6.875% | 0.0% |
| Washington County, MN | 11 | 6.990% | 0.0% |
| Maricopa County, AZ | 10 | 6.813% | 0.0% |
| Humboldt County, CA | 10 | 7.183% | 0.0% |
| Sussex County, DE | 10 | 6.813% | 9.1% |
| Manatee County, FL | 10 | 7.058% | 0.0% |
| Fayette County, KY | 10 | 6.870% | 0.0% |
| Tulsa County, OK | 10 | 6.688% | 9.1% |
| Pierce County, WA | 10 | 6.250% | 0.0% |
| New Castle County, DE | 9 | Under 10 loans | 0.0% |
| Blue Earth County, MN | 9 | Under 10 loans | 0.0% |
| Saline County, AR | 8 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 8 | Under 10 loans | 0.0% |
| Denver County, CO | 8 | Under 10 loans | 0.0% |
| Kent County, DE | 8 | Under 10 loans | 0.0% |
| Vanderburgh County, IN | 7 | Under 10 loans | 0.0% |
| Multnomah County, OR | 7 | Under 10 loans | 0.0% |
| Tarrant County, TX | 7 | Under 10 loans | 0.0% |
| Riverside County, CA | 6 | Under 10 loans | 0.0% |
| Lee County, FL | 6 | Under 10 loans | 40.0% |
| Lake County, IN | 6 | Under 10 loans | 0.0% |
| Scott County, MN | 6 | Under 10 loans | 0.0% |
| Strafford County, NH | 6 | Under 10 loans | 0.0% |
| Washington County, OR | 6 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 6 | Under 10 loans | 0.0% |
| Brown County, WI | 6 | Under 10 loans | 0.0% |
| Douglas County, CO | 5 | Under 10 loans | 16.7% |
| Marion County, FL | 5 | Under 10 loans | 16.7% |
| Cook County, IL | 5 | Under 10 loans | 28.6% |
| Porter County, IN | 5 | Under 10 loans | 0.0% |
| Scott County, KY | 5 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 5 | Under 10 loans | 0.0% |
| Wright County, MN | 5 | Under 10 loans | 0.0% |
| Jackson County, MO | 5 | Under 10 loans | 0.0% |
| Caledonia County, VT | 5 | Under 10 loans | 0.0% |
| Weld County, CO | 4 | Under 10 loans | 0.0% |
| Pinellas County, FL | 4 | Under 10 loans | 0.0% |
| Warrick County, IN | 4 | Under 10 loans | 0.0% |
| Daviess County, KY | 4 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.