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Luminate Home Loans, Inc.
12,756
2024 HMDA records
179
Counties (detailed data)
Source: 2024 HMDA filings, CFPB. LEI 549300AENO88GEUWCZ39.
County-level lending, 2024
| County | Originations | Median rate | Denial rate | Volume |
|---|---|---|---|---|
| Hennepin County, MN | 509 | 6.750% | 1.4% | $160,295,000 |
| Clark County, NV | 209 | 6.750% | 2.1% | $72,215,000 |
| Ramsey County, MN | 188 | 6.875% | 2.1% | $48,250,000 |
| Dakota County, MN | 172 | 6.875% | 3.4% | $56,430,000 |
| San Diego County, CA | 154 | 6.875% | 2.8% | $118,300,000 |
| Lee County, FL | 136 | 6.990% | 9.1% | $46,400,000 |
| Cook County, IL | 128 | 6.750% | 7.7% | $35,840,000 |
| Anoka County, MN | 123 | 6.750% | 3.2% | $37,245,000 |
| Maricopa County, AZ | 108 | 6.875% | 1.9% | $42,550,000 |
| Jefferson County, CO | 92 | 6.875% | 1.6% | $49,060,000 |
| Denver County, CO | 91 | 6.750% | 0.8% | $45,815,000 |
| Adams County, CO | 91 | 6.500% | 0.7% | $33,665,000 |
| Washington County, MN | 83 | 6.875% | 2.5% | $26,655,000 |
| Wright County, MN | 78 | 6.750% | 1.1% | $21,160,000 |
| Humboldt County, CA | 77 | 6.875% | 3.2% | $27,095,000 |
| Saline County, AR | 77 | 6.990% | 0.0% | $16,735,000 |
| Larimer County, CO | 66 | 6.625% | 0.0% | $30,810,000 |
| Arapahoe County, CO | 65 | 6.500% | 0.9% | $33,195,000 |
| Marion County, FL | 65 | 6.990% | 6.3% | $13,695,000 |
| Sussex County, DE | 63 | 6.990% | 1.2% | $23,145,000 |
| Los Angeles County, CA | 62 | 6.990% | 4.0% | $46,350,000 |
| Crow Wing County, MN | 60 | 6.875% | 0.0% | $12,190,000 |
| Pottawattamie County, IA | 58 | 7.125% | 1.4% | $14,910,000 |
| Weld County, CO | 57 | 6.624% | 0.0% | $23,585,000 |
| Jackson County, MO | 57 | 6.875% | 6.7% | $10,975,000 |
| Howard County, IN | 56 | 7.125% | 2.7% | $9,600,000 |
| Scott County, MN | 54 | 6.990% | 0.0% | $20,650,000 |
| Douglas County, CO | 49 | 6.875% | 0.0% | $25,925,000 |
| Riverside County, CA | 45 | 7.125% | 1.4% | $20,415,000 |
| Rockingham County, NH | 44 | 6.995% | 1.8% | $16,030,000 |
| Strafford County, NH | 42 | 6.995% | 3.6% | $16,760,000 |
| Lake County, IL | 39 | 6.875% | 8.5% | $8,775,000 |
| Kent County, DE | 38 | 6.375% | 3.9% | $11,950,000 |
| Washington County, AR | 37 | 6.875% | 2.0% | $9,435,000 |
| Marion County, IN | 35 | 7.125% | 0.0% | $6,625,000 |
| Vanderburgh County, IN | 35 | 6.750% | 4.3% | $7,015,000 |
| Fayette County, KY | 33 | 6.375% | 0.0% | $8,695,000 |
| Sacramento County, CA | 32 | 6.625% | 0.0% | $14,380,000 |
| El Paso County, CO | 32 | 6.562% | 0.0% | $13,760,000 |
| Pulaski County, AR | 31 | 6.750% | 2.0% | $6,295,000 |
| Sherburne County, MN | 31 | 6.875% | 4.4% | $9,015,000 |
| Pope County, AR | 30 | 6.870% | 2.3% | $4,170,000 |
| Kern County, CA | 30 | 6.750% | 0.0% | $12,650,000 |
| Washoe County, NV | 29 | 6.875% | 0.0% | $13,725,000 |
| Carver County, MN | 28 | 6.625% | 0.0% | $12,730,000 |
| Placer County, CA | 27 | 6.625% | 0.0% | $16,765,000 |
| Ventura County, CA | 27 | 7.000% | 0.0% | $17,245,000 |
| Hillsborough County, NH | 26 | 6.875% | 2.4% | $9,690,000 |
| Porter County, IN | 24 | 6.990% | 0.0% | $7,590,000 |
| Orange County, FL | 24 | 6.812% | 3.1% | $8,430,000 |
| Boulder County, CO | 24 | 6.750% | 0.0% | $13,040,000 |
| Douglas County, NE | 23 | 7.000% | 0.0% | $6,925,000 |
| Orange County, CA | 23 | 7.125% | 0.0% | $15,965,000 |
| New Castle County, DE | 23 | 6.625% | 0.0% | $8,525,000 |
| Anne Arundel County, MD | 22 | 6.625% | 3.2% | $10,380,000 |
| Lake County, IN | 22 | 7.062% | 9.7% | $5,410,000 |
| Santa Clara County, CA | 22 | 6.990% | 0.0% | $15,180,000 |
| Rice County, MN | 22 | 6.500% | 3.6% | $6,780,000 |
| Riley County, KS | 21 | 6.625% | 0.0% | $4,805,000 |
| Baltimore County, MD | 20 | 6.812% | 5.9% | $7,850,000 |
| Garland County, AR | 19 | 7.125% | 0.0% | $4,495,000 |
| Benton County, AR | 19 | 6.625% | 0.0% | $5,695,000 |
| Stearns County, MN | 19 | 6.990% | 4.2% | $3,065,000 |
| Gibson County, IN | 18 | 6.688% | 0.0% | $3,710,000 |
| Cass County, MO | 18 | 6.875% | 3.2% | $4,960,000 |
| Chisago County, MN | 18 | 6.688% | 7.1% | $5,930,000 |
| Isanti County, MN | 18 | 6.938% | 3.7% | $4,220,000 |
| Carroll County, MD | 17 | 6.990% | 0.0% | $6,715,000 |
| Montgomery County, MD | 17 | 6.750% | 0.0% | $7,195,000 |
| Tehama County, CA | 17 | 6.990% | 0.0% | $4,955,000 |
| Charlotte County, FL | 16 | 6.938% | 0.0% | $3,410,000 |
| Mille Lacs County, MN | 16 | 6.562% | 5.3% | $3,010,000 |
| DuPage County, IL | 16 | 6.995% | 0.0% | $5,570,000 |
| District of Columbia, DC | 16 | 6.495% | 0.0% | $11,860,000 |
| York County, ME | 14 | 7.000% | 0.0% | $5,730,000 |
| Citrus County, FL | 14 | 6.812% | 0.0% | $2,220,000 |
| Butte County, CA | 14 | 6.625% | 0.0% | $3,730,000 |
| Hernando County, FL | 14 | 6.990% | 0.0% | $3,500,000 |
| Sarasota County, FL | 14 | 6.750% | 0.0% | $5,640,000 |
| Nye County, NV | 14 | 6.500% | 10.0% | $2,600,000 |
| Collier County, FL | 14 | 7.250% | 8.7% | $6,280,000 |
| Pinal County, AZ | 13 | 7.125% | 0.0% | $5,255,000 |
| Middlesex County, NJ | 13 | 7.500% | 0.0% | $4,975,000 |
| Solano County, CA | 13 | 6.500% | 5.6% | $7,085,000 |
| Miami County, IN | 12 | 7.500% | 0.0% | $1,440,000 |
| St. Louis County, MN | 12 | 7.062% | 0.0% | $4,030,000 |
| Mecklenburg County, NC | 12 | 6.812% | 0.0% | $3,830,000 |
| Ada County, ID | 12 | 7.062% | 0.0% | $5,000,000 |
| Will County, IL | 11 | 7.124% | 5.3% | $3,405,000 |
| Prince George's County, MD | 11 | 6.500% | 0.0% | $4,885,000 |
| Volusia County, FL | 11 | 6.500% | 22.2% | $2,955,000 |
| Wakulla County, FL | 11 | 6.625% | 4.3% | $1,425,000 |
| Sarpy County, NE | 11 | 6.750% | 0.0% | $3,505,000 |
| San Bernardino County, CA | 11 | 6.875% | 8.7% | $5,805,000 |
| Sutter County, CA | 11 | 6.624% | 12.5% | $3,775,000 |
| Hot Spring County, AR | 11 | 6.625% | 0.0% | $1,745,000 |
| Yell County, AR | 11 | 6.250% | 0.0% | $1,565,000 |
| Johnson County, KS | 11 | 6.875% | 0.0% | $3,645,000 |
| Scott County, KY | 11 | 6.250% | 0.0% | $3,005,000 |
| Lake County, FL | 10 | 6.625% | 0.0% | $2,570,000 |
| Lauderdale County, AL | 10 | 7.188% | 0.0% | $2,060,000 |
| Mohave County, AZ | 10 | 7.062% | 0.0% | $2,520,000 |
| Santa Barbara County, CA | 10 | 7.438% | 0.0% | $8,380,000 |
| Hillsborough County, FL | 10 | 6.875% | 0.0% | $4,290,000 |
| Boone County, KY | 10 | 6.750% | 0.0% | $3,420,000 |
| Kenton County, KY | 10 | 6.188% | 6.3% | $2,320,000 |
| Howard County, MD | 10 | 7.250% | 0.0% | $4,190,000 |
| Frederick County, MD | 10 | 6.875% | 0.0% | $4,440,000 |
| Cass County, MN | 10 | 7.062% | 0.0% | $3,390,000 |
| Pine County, MN | 10 | 6.875% | 0.0% | $2,890,000 |
| Belknap County, NH | 10 | 6.875% | 0.0% | $3,540,000 |
| Mercer County, NJ | 10 | 7.250% | 0.0% | $4,760,000 |
| Brevard County, FL | 9 | 6.625% | 0.0% | $3,005,000 |
| Pike County, IN | 9 | 7.125% | 0.0% | $1,515,000 |
| Warrick County, IN | 9 | 7.000% | 8.3% | $1,895,000 |
| Linn County, IA | 9 | 6.625% | 8.3% | $1,235,000 |
| Nez Perce County, ID | 9 | 6.625% | 0.0% | $2,275,000 |
| Pottawatomie County, KS | 9 | 6.625% | 0.0% | $2,175,000 |
| Somerset County, NJ | 9 | 7.125% | 0.0% | $5,135,000 |
| Merrimack County, NH | 9 | 6.990% | 0.0% | $3,045,000 |
| Harford County, MD | 9 | 7.125% | 0.0% | $2,785,000 |
| Faulkner County, AR | 9 | 7.250% | 0.0% | $1,315,000 |
| Morgan County, CO | 9 | 6.500% | 0.0% | $1,365,000 |
| Osceola County, FL | 9 | 6.990% | 0.0% | $3,485,000 |
| Polk County, FL | 9 | 6.875% | 0.0% | $2,715,000 |
| Union County, NC | 8 | 6.625% | 0.0% | $2,480,000 |
| Goodhue County, MN | 8 | 6.812% | 0.0% | $1,690,000 |
| Olmsted County, MN | 8 | 6.625% | 0.0% | $1,790,000 |
| New Hanover County, NC | 8 | 7.375% | 9.1% | $3,550,000 |
| Bernalillo County, NM | 8 | 6.625% | 0.0% | $3,050,000 |
| Rock Island County, IL | 7 | 6.500% | 0.0% | $595,000 |
| Kootenai County, ID | 7 | 6.875% | 12.5% | $2,745,000 |
| Sullivan County, NH | 7 | 6.875% | 12.5% | $2,475,000 |
| Broward County, FL | 7 | 6.875% | 0.0% | $1,995,000 |
| Elbert County, CO | 7 | 6.375% | 10.0% | $3,445,000 |
| Middlesex County, MA | 7 | 7.125% | 0.0% | $3,055,000 |
| Gwinnett County, GA | 7 | 6.625% | 0.0% | $3,275,000 |
| Yuba County, CA | 7 | 6.750% | 0.0% | $2,745,000 |
| Morrison County, MN | 7 | 6.500% | 22.2% | $1,405,000 |
| Iredell County, NC | 7 | 7.250% | 0.0% | $3,185,000 |
| Monmouth County, NJ | 7 | 6.990% | 0.0% | $3,145,000 |
| Campbell County, KY | 7 | 6.125% | 0.0% | $1,345,000 |
| Fulton County, GA | 6 | 6.058% | 6.7% | $3,380,000 |
| Todd County, MN | 6 | 7.062% | 11.1% | $870,000 |
| Hendry County, FL | 6 | 7.000% | 0.0% | $990,000 |
| Seminole County, FL | 6 | 6.750% | 0.0% | $2,300,000 |
| Madison County, AL | 6 | 7.438% | 12.5% | $1,470,000 |
| Manatee County, FL | 6 | 7.062% | 14.3% | $2,010,000 |
| Otter Tail County, MN | 6 | 6.870% | 0.0% | $2,020,000 |
| Itasca County, MN | 6 | 3.312% | 0.0% | $730,000 |
| Broomfield County, CO | 6 | 7.499% | 0.0% | $3,000,000 |
| St. Louis County, MO | 6 | 6.625% | 8.3% | $770,000 |
| Clay County, MO | 6 | 7.125% | 23.1% | $1,100,000 |
| Pima County, AZ | 6 | 7.188% | 0.0% | $1,840,000 |
| Colbert County, AL | 6 | 6.625% | 0.0% | $1,050,000 |
| Baltimore city, MD | 6 | 6.500% | 0.0% | $2,020,000 |
| Cheshire County, NH | 6 | 7.000% | 0.0% | $1,900,000 |
| Canyon County, ID | 6 | 7.183% | 0.0% | $1,940,000 |
| Baldwin County, AL | 6 | 7.125% | 0.0% | $2,400,000 |
| DeKalb County, GA | 6 | 6.875% | 10.0% | $2,080,000 |
| Burlington County, NJ | 5 | 6.500% | 0.0% | $1,825,000 |
| Yavapai County, AZ | 5 | 6.625% | 0.0% | $2,865,000 |
| Jessamine County, KY | 5 | 6.250% | 0.0% | $1,085,000 |
| Powell County, KY | 5 | 6.250% | 0.0% | $1,025,000 |
| Benton County, MN | 5 | 6.500% | 0.0% | $665,000 |
| Lee County, AL | 5 | 7.000% | 0.0% | $1,295,000 |
| Brown County, MN | 5 | 6.750% | 0.0% | $475,000 |
| Sumter County, FL | 5 | 6.375% | 0.0% | $1,455,000 |
| Jefferson County, AL | 5 | 8.125% | 0.0% | $945,000 |
| Harrison County, MS | 5 | 7.625% | 0.0% | $695,000 |
| Houston County, GA | 5 | 6.250% | 14.3% | $1,025,000 |
| Contra Costa County, CA | 5 | 7.125% | 0.0% | $4,455,000 |
| Wake County, NC | 5 | 6.375% | 7.1% | $2,145,000 |
| Nodaway County, MO | 5 | 7.250% | 0.0% | $1,005,000 |
| Leon County, FL | 5 | 6.000% | 0.0% | $925,000 |
| San Mateo County, CA | 5 | 7.125% | 0.0% | $4,435,000 |
| Hinds County, MS | 5 | 8.125% | 0.0% | $775,000 |
| Trinity County, CA | 5 | 6.875% | 0.0% | $1,875,000 |
| McLeod County, MN | 5 | 6.625% | 0.0% | $1,125,000 |
Consumer complaints on record
5 mortgage-related complaints about Luminate Home Loans, Inc. appear in the CFPB Consumer Complaint Database. Most common issues:
| Issue | Complaints |
|---|---|
| Application, originator, mortgage broker | 3 |
| Applying for a mortgage or refinancing an existing mortgage | 1 |
| Closing on a mortgage | 1 |
Source: CFPB Consumer Complaint Database (mortgage products). Complaints are consumer-submitted and unverified; volume correlates with company size.
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