Luminate Bank (2025)
Official HMDA public records summary of residential mortgage lending for Luminate Bank. Review underwriting credit decisions, consumer product distribution, and national lending volume.
Lender Profile
#92 of 2,712
6,873
Loans Originated
• 0.17% National Market Share
• $2.73 Billion Originated Volume
• $335,000 Median Loan
Actionable Applications
7,222
Decisioned (Actions 1–3)
Approval Rate
96.01%
96.01% of actionable
Denial Rate
3.99%
3.99% of actionable
Loan Originations
6,873
95.17% funded rate
Originated Volume
$2.73 Billion
Median: $335,000
Application Outcomes (2025)
Outcomes for 7,222 actionable applications (Actions 1, 2, and 3).
Action 1: Originated
6,873
(95.17%)
Action 2: Approved not accepted
61
(0.84%)
Action 3: Denied
288
(3.99%)
Action 4: Withdrawn (not in denominator)
2,438
—
Action 5: Incomplete (not in denominator)
0
—
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →
How Luminate Bank Compares
Institution vs. National Baseline (2025)
| Metric | Luminate Bank | U.S. National |
|---|---|---|
| Actionable Apps | 7,222 | 5,197,320 |
| Approval Rate | 96.01% | 82.12% |
| Denial Rate | 3.99% | 17.88% |
| Originations | 6,873 | 4,052,301 |
| Originated Volume | $2.73 Billion | $1.58 Trillion |
| Median Loan | $335,000 | $325,000 |
Loan Product Mix (2025)
Distribution across Conventional, FHA, VA, and USDA loan types
| Loan Product | Apps | Originations | Approval % |
|---|---|---|---|
| Conventional | 4,865 | 4,715 | 97.64% |
| FHA | 1,728 | 1,571 | 91.84% |
| VA | 568 | 531 | 95.07% |
| USDA/RHS/FSA | 61 | 56 | 93.44% |
Regulatory & Corporate Profile
Official entity details from CFPB Transmittal Sheet
Legal Entity Identifier (ISO 17442 LEI)
549300RFLICNI75BG067
Reported Corporate Headquarters
MINNEAPOLIS, MN
National Origination Rank
Rank #92 by Action 1 Originations
Data Collection Basis
Regulation C (12 CFR Part 1003) Annual LAR Submission
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →Top 100 Lenders
Compare top mortgage originators nationally by volume, approval rate, and market share.
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