Luminate Bank Mortgage Lending & HMDA Data, 2025
In 2025, Luminate Bank of Minneapolis, MN reported 12,146 mortgage applications totaling $4.5 billion, up 25204% from 2024. The average application was for $372,807, and applicants reported an average income of $159,152. 69% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (1,469), New York-Jersey City-White Plains, NY-NJ (715) and Newark, NJ-PA (580) (applications in parentheses).
| Mortgage Company & Address | Luminate Bank 2523 South Wayzata Boulevard Suite 100 Minneapolis, MN 55405 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2021 |
| Total Number of Mortgage Applications | 12,146 |
| Total Mortgage Loan Application Amount | $4,528,120,000 |
| Average Mortgage Loan Application Amount | $372,807 |
| Highest Mortgage Loan Application Amount | $4,385,000 |
| Average Applicant Income | $159,152 |
| Highest Applicant Income | $7,203,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Luminate Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hennepin, Minnesota | 575 | $ 214,425,000 | $ 372,913 | $ 168,000 |
| Bergen, New Jersey | 355 | $ 233,705,000 | $ 658,323 | $ 263,000 |
| Essex, New Jersey | 217 | $ 133,715,000 | $ 616,198 | $ 254,000 |
| Morris, New Jersey | 214 | $ 115,700,000 | $ 540,654 | $ 218,000 |
| Marion, Florida | 181 | $ 40,815,000 | $ 225,497 | $ 114,000 |
| Pierce, Washington | 176 | $ 80,350,000 | $ 456,534 | $ 164,000 |
| Ramsey, Minnesota | 174 | $ 50,090,000 | $ 287,873 | $ 147,000 |
| Sussex, Delaware | 169 | $ 59,375,000 | $ 351,331 | $ 128,000 |
| Dakota, Minnesota | 168 | $ 54,260,000 | $ 322,976 | $ 151,000 |
| Maricopa, Arizona | 166 | $ 78,840,000 | $ 474,939 | $ 213,000 |
| Fayette, Kentucky | 166 | $ 52,560,000 | $ 316,626 | $ 135,000 |
| Passaic, New Jersey | 162 | $ 73,720,000 | $ 455,061 | $ 182,000 |
| Anoka, Minnesota | 157 | $ 50,865,000 | $ 323,980 | $ 140,000 |
| Greenville, South Carolina | 134 | $ 45,920,000 | $ 342,686 | $ 158,000 |
| New Castle, Delaware | 130 | $ 42,210,000 | $ 324,692 | $ 124,000 |
| Lee, Florida | 127 | $ 38,235,000 | $ 301,062 | $ 167,000 |
| Adams, Colorado | 125 | $ 51,455,000 | $ 411,640 | $ 129,000 |
| Ocean, New Jersey | 115 | $ 49,755,000 | $ 432,652 | $ 222,000 |
| Arapahoe, Colorado | 113 | $ 50,335,000 | $ 445,442 | $ 163,000 |
| Harris, Texas | 108 | $ 32,600,000 | $ 301,851 | $ 146,000 |
| Vanderburgh, Indiana | 106 | $ 21,460,000 | $ 202,452 | $ 94,000 |
| Kent, Delaware | 99 | $ 32,425,000 | $ 327,525 | $ 105,000 |
| Jackson, Missouri | 94 | $ 20,960,000 | $ 222,978 | $ 84,000 |
| Monmouth, New Jersey | 94 | $ 52,610,000 | $ 559,680 | $ 247,000 |
| Cook, Illinois | 93 | $ 22,145,000 | $ 238,118 | $ 98,000 |
| Jefferson, Colorado | 90 | $ 45,780,000 | $ 508,666 | $ 179,000 |
| Denver, Colorado | 89 | $ 47,765,000 | $ 536,685 | $ 199,000 |
| Marion, Indiana | 89 | $ 21,865,000 | $ 245,674 | $ 93,000 |
| Washington, Minnesota | 89 | $ 32,555,000 | $ 365,786 | $ 168,000 |
| Howard, Indiana | 82 | $ 14,810,000 | $ 180,609 | $ 81,000 |
| Douglas, Colorado | 79 | $ 47,045,000 | $ 595,506 | $ 215,000 |
| Orange, Florida | 78 | $ 31,290,000 | $ 401,153 | $ 154,000 |
| Rockingham, New Hampshire | 78 | $ 34,240,000 | $ 438,974 | $ 186,000 |
| Middlesex, New Jersey | 78 | $ 36,520,000 | $ 468,205 | $ 167,000 |
| Sarasota, Florida | 76 | $ 24,760,000 | $ 325,789 | $ 144,000 |
| Suffolk, New York | 75 | $ 42,875,000 | $ 571,666 | $ 308,000 |
| Clark, Nevada | 70 | $ 30,530,000 | $ 436,142 | $ 210,000 |
| Scott, Minnesota | 68 | $ 25,880,000 | $ 380,588 | $ 162,000 |
| Lake, Indiana | 65 | $ 17,335,000 | $ 266,692 | $ 166,000 |
| Manatee, Florida | 63 | $ 23,595,000 | $ 374,523 | $ 132,000 |
| Sussex, New Jersey | 63 | $ 23,935,000 | $ 379,920 | $ 150,000 |
| Union, New Jersey | 63 | $ 38,935,000 | $ 618,015 | $ 224,000 |
| Hudson, New Jersey | 62 | $ 36,130,000 | $ 582,741 | $ 206,000 |
| Mesa, Colorado | 61 | $ 19,295,000 | $ 316,311 | $ 129,000 |
| Strafford, New Hampshire | 60 | $ 21,820,000 | $ 363,666 | $ 174,000 |
| Weld, Colorado | 59 | $ 24,955,000 | $ 422,966 | $ 183,000 |
| Oklahoma, Oklahoma | 59 | $ 14,625,000 | $ 247,881 | $ 90,000 |
| Hillsborough, Florida | 56 | $ 15,150,000 | $ 270,535 | $ 122,000 |
| Spartanburg, South Carolina | 56 | $ 17,770,000 | $ 317,321 | $ 100,000 |
| Porter, Indiana | 54 | $ 16,180,000 | $ 299,629 | $ 126,000 |
| Kenton, Kentucky | 54 | $ 12,510,000 | $ 231,666 | $ 94,000 |
| Wright, Minnesota | 54 | $ 18,640,000 | $ 345,185 | $ 144,000 |
| Brown, Wisconsin | 54 | $ 12,780,000 | $ 236,666 | $ 108,000 |
| King, Washington | 52 | $ 30,110,000 | $ 579,038 | $ 173,000 |
| Queens, New York | 49 | $ 32,305,000 | $ 659,285 | $ 153,000 |
| Oakland, Michigan | 48 | $ 17,140,000 | $ 357,083 | $ 167,000 |
| Waukesha, Wisconsin | 48 | $ 18,070,000 | $ 376,458 | $ 152,000 |
| Worcester, Maryland | 46 | $ 15,160,000 | $ 329,565 | $ 148,000 |
| Hamilton, Ohio | 46 | $ 10,530,000 | $ 228,913 | $ 90,000 |
| Shelby, Tennessee | 46 | $ 11,740,000 | $ 255,217 | $ 140,000 |
| Carver, Minnesota | 45 | $ 18,965,000 | $ 421,444 | $ 199,000 |
| Crow Wing, Minnesota | 45 | $ 13,595,000 | $ 302,111 | $ 125,000 |
| Blue Earth, Minnesota | 44 | $ 12,010,000 | $ 272,954 | $ 151,000 |
| Fairfax, Virginia | 44 | $ 29,270,000 | $ 665,227 | $ 235,000 |
| Prince George's, Maryland | 43 | $ 15,765,000 | $ 366,627 | $ 136,000 |
| Hillsborough, New Hampshire | 43 | $ 16,105,000 | $ 374,534 | $ 163,000 |
| Wicomico, Maryland | 42 | $ 9,840,000 | $ 234,285 | $ 84,000 |
| Sherburne, Minnesota | 42 | $ 13,460,000 | $ 320,476 | $ 132,000 |
| Somerset, New Jersey | 42 | $ 22,770,000 | $ 542,142 | $ 215,000 |
| Gwinnett, Georgia | 41 | $ 11,465,000 | $ 279,634 | $ 138,000 |
| Nassau, New York | 41 | $ 29,365,000 | $ 716,219 | $ 224,000 |
| Thurston, Washington | 39 | $ 20,085,000 | $ 515,000 | $ 155,000 |
| Lake, Illinois | 37 | $ 10,595,000 | $ 286,351 | $ 126,000 |
| Rankin, Mississippi | 37 | $ 8,835,000 | $ 238,783 | $ 94,000 |
| Lake, Florida | 35 | $ 9,835,000 | $ 281,000 | $ 144,000 |
| Wayne, Michigan | 35 | $ 6,495,000 | $ 185,571 | $ 158,000 |
| Camden, New Jersey | 35 | $ 11,605,000 | $ 331,571 | $ 133,000 |
| Philadelphia, Pennsylvania | 35 | $ 7,965,000 | $ 227,571 | $ 87,000 |
| Cass, Missouri | 34 | $ 8,220,000 | $ 241,764 | $ 105,000 |
| Cleveland, Oklahoma | 34 | $ 7,860,000 | $ 231,176 | $ 90,000 |
| Montgomery, Texas | 34 | $ 12,370,000 | $ 363,823 | $ 227,000 |
| Boone, Kentucky | 33 | $ 7,995,000 | $ 242,272 | $ 87,000 |
| Macomb, Michigan | 33 | $ 9,375,000 | $ 284,090 | $ 123,000 |
| Seminole, Florida | 32 | $ 12,540,000 | $ 391,875 | $ 141,000 |
| DeKalb, Georgia | 32 | $ 10,190,000 | $ 318,437 | $ 189,000 |
| Broward, Florida | 31 | $ 11,095,000 | $ 357,903 | $ 370,000 |
| Palm Beach, Florida | 31 | $ 18,005,000 | $ 580,806 | $ 267,000 |
| Floyd, Georgia | 31 | $ 7,255,000 | $ 234,032 | $ 87,000 |
| Pasco, Florida | 30 | $ 9,350,000 | $ 311,666 | $ 141,000 |
| Anne Arundel, Maryland | 30 | $ 11,220,000 | $ 374,000 | $ 160,000 |
| New Hanover, North Carolina | 30 | $ 18,160,000 | $ 605,333 | $ 238,000 |
| El Paso, Colorado | 29 | $ 13,165,000 | $ 453,965 | $ 146,000 |
| Larimer, Colorado | 29 | $ 11,185,000 | $ 385,689 | $ 127,000 |
| Scott, Kentucky | 29 | $ 9,055,000 | $ 312,241 | $ 113,000 |
| Baltimore, Maryland | 29 | $ 9,325,000 | $ 321,551 | $ 145,000 |
| Isanti, Minnesota | 29 | $ 8,795,000 | $ 303,275 | $ 142,000 |
| Campbell, Kentucky | 28 | $ 7,290,000 | $ 260,357 | $ 124,000 |
| Bucks, Pennsylvania | 28 | $ 10,840,000 | $ 387,142 | $ 160,000 |
| Fort Bend, Texas | 28 | $ 8,400,000 | $ 300,000 | $ 366,000 |
| Riverside, California | 27 | $ 10,635,000 | $ 393,888 | $ 181,000 |
| Volusia, Florida | 27 | $ 9,165,000 | $ 339,444 | $ 154,000 |
| Hopkins, Kentucky | 27 | $ 5,015,000 | $ 185,740 | $ 79,000 |
| Jessamine, Kentucky | 27 | $ 7,035,000 | $ 260,555 | $ 116,000 |
| Madison, Kentucky | 27 | $ 7,025,000 | $ 260,185 | $ 94,000 |
| Kennebec, Maine | 26 | $ 8,110,000 | $ 311,923 | $ 104,000 |
| Montgomery, Maryland | 26 | $ 16,710,000 | $ 642,692 | $ 212,000 |
| Nicollet, Minnesota | 26 | $ 6,900,000 | $ 265,384 | $ 98,000 |
| Brevard, Florida | 25 | $ 6,545,000 | $ 261,800 | $ 135,000 |
| Pinellas, Florida | 25 | $ 9,045,000 | $ 361,800 | $ 165,000 |
| Polk, Florida | 25 | $ 6,015,000 | $ 240,600 | $ 111,000 |
| Gibson, Indiana | 25 | $ 4,525,000 | $ 181,000 | $ 91,000 |
| York, Maine | 25 | $ 11,275,000 | $ 451,000 | $ 198,000 |
| Mercer, New Jersey | 25 | $ 11,255,000 | $ 450,200 | $ 151,000 |
| Kings, New York | 25 | $ 18,735,000 | $ 749,400 | $ 306,000 |
| Anderson, South Carolina | 25 | $ 9,865,000 | $ 394,600 | $ 161,000 |
| Milwaukee, Wisconsin | 25 | $ 9,755,000 | $ 390,200 | $ 119,000 |
| Outagamie, Wisconsin | 25 | $ 7,225,000 | $ 289,000 | $ 118,000 |
| Canadian, Oklahoma | 24 | $ 5,800,000 | $ 241,666 | $ 111,000 |
| Collier, Florida | 23 | $ 12,245,000 | $ 532,391 | $ 236,000 |
| Baltimore City, Maryland | 23 | $ 6,875,000 | $ 298,913 | $ 362,000 |
| Chisago, Minnesota | 23 | $ 8,215,000 | $ 357,173 | $ 128,000 |
| Hunterdon, New Jersey | 23 | $ 11,395,000 | $ 495,434 | $ 231,000 |
| St. Lucie, Florida | 22 | $ 8,390,000 | $ 381,363 | $ 148,000 |
| Fulton, Georgia | 22 | $ 8,830,000 | $ 401,363 | $ 153,000 |
| Burlington, New Jersey | 22 | $ 7,860,000 | $ 357,272 | $ 123,000 |
| Mahoning, Ohio | 22 | $ 4,220,000 | $ 191,818 | $ 94,000 |
| Hernando, Florida | 21 | $ 5,095,000 | $ 242,619 | $ 99,000 |
| LaPorte, Indiana | 21 | $ 4,825,000 | $ 229,761 | $ 78,000 |
| Pike, Indiana | 21 | $ 4,675,000 | $ 222,619 | $ 95,000 |
| Riley, Kansas | 21 | $ 4,925,000 | $ 234,523 | $ 105,000 |
| Clark, Kentucky | 21 | $ 5,805,000 | $ 276,428 | $ 113,000 |
| Garfield, Colorado | 20 | $ 5,180,000 | $ 259,000 | $ 83,000 |
| Rice, Minnesota | 20 | $ 6,900,000 | $ 345,000 | $ 141,000 |
| Westchester, New York | 20 | $ 14,260,000 | $ 713,000 | $ 202,000 |
| Snohomish, Washington | 20 | $ 7,840,000 | $ 392,000 | $ 121,000 |
| Winnebago, Wisconsin | 20 | $ 4,430,000 | $ 221,500 | $ 91,000 |
| District of Columbia, District Of Columbia | 19 | $ 11,485,000 | $ 604,473 | $ 211,000 |
| Johnson, Indiana | 19 | $ 6,145,000 | $ 323,421 | $ 117,000 |
| Warrick, Indiana | 19 | $ 4,515,000 | $ 237,631 | $ 83,000 |
| Daviess, Kentucky | 19 | $ 5,355,000 | $ 281,842 | $ 70,000 |
| Merrimack, New Hampshire | 19 | $ 6,795,000 | $ 357,631 | $ 147,000 |
| Warren, New Jersey | 19 | $ 6,725,000 | $ 353,947 | $ 118,000 |
| Pickens, South Carolina | 19 | $ 4,815,000 | $ 253,421 | $ 99,000 |
| Chambers, Texas | 19 | $ 7,875,000 | $ 414,473 | $ 202,000 |
| San Diego, California | 18 | $ 13,020,000 | $ 723,333 | $ 314,000 |
| Citrus, Florida | 18 | $ 4,030,000 | $ 223,888 | $ 88,000 |
| Monroe, Indiana | 18 | $ 5,020,000 | $ 278,888 | $ 166,000 |
| Pottawatomie, Kansas | 18 | $ 4,880,000 | $ 271,111 | $ 99,000 |
| Iron, Utah | 18 | $ 6,410,000 | $ 356,111 | $ 95,000 |
| Alexandria, Virginia | 18 | $ 11,070,000 | $ 615,000 | $ 167,000 |
| Spokane, Washington | 18 | $ 4,290,000 | $ 238,333 | $ 78,000 |
| St. Croix, Wisconsin | 18 | $ 7,060,000 | $ 392,222 | $ 152,000 |
| Charlotte, Florida | 17 | $ 5,315,000 | $ 312,647 | $ 244,000 |
| Hamilton, Indiana | 17 | $ 8,105,000 | $ 476,764 | $ 274,000 |
| Powell, Kentucky | 17 | $ 3,915,000 | $ 230,294 | $ 86,000 |
| Somerset, Maine | 17 | $ 3,545,000 | $ 208,529 | $ 66,000 |
| Stearns, Minnesota | 17 | $ 4,535,000 | $ 266,764 | $ 122,000 |
| Madison, Tennessee | 17 | $ 3,475,000 | $ 204,411 | $ 97,000 |
| Gordon, Georgia | 16 | $ 4,530,000 | $ 283,125 | $ 105,000 |
| Hendricks, Indiana | 16 | $ 5,620,000 | $ 351,250 | $ 96,000 |
| Goodhue, Minnesota | 16 | $ 5,340,000 | $ 333,750 | $ 139,000 |
| New York, New York | 16 | $ 16,120,000 | $ 1,007,500 | $ 439,000 |
| Orange, New York | 16 | $ 6,970,000 | $ 435,625 | $ 232,000 |
| Escambia, Florida | 15 | $ 4,245,000 | $ 283,000 | $ 308,000 |
| Henderson, Kentucky | 15 | $ 2,525,000 | $ 168,333 | $ 72,000 |
| Howard, Maryland | 15 | $ 7,615,000 | $ 507,666 | $ 176,000 |
| Cass, Minnesota | 15 | $ 4,205,000 | $ 280,333 | $ 133,000 |
| McLeod, Minnesota | 15 | $ 3,045,000 | $ 203,000 | $ 80,000 |
| Galveston, Texas | 15 | $ 4,205,000 | $ 280,333 | $ 465,000 |
| Elbert, Colorado | 14 | $ 6,690,000 | $ 477,857 | $ 105,000 |
| Miami-Dade, Florida | 14 | $ 7,480,000 | $ 534,285 | $ 206,000 |
| Cowley, Kansas | 14 | $ 2,300,000 | $ 164,285 | $ 101,000 |
| Johnson, Kansas | 14 | $ 4,070,000 | $ 290,714 | $ 128,000 |
| Charles, Maryland | 14 | $ 4,500,000 | $ 321,428 | $ 131,000 |
| Clay, Missouri | 14 | $ 3,180,000 | $ 227,142 | $ 106,000 |
| Gloucester, New Jersey | 14 | $ 5,300,000 | $ 378,571 | $ 155,000 |
| Allegheny, Pennsylvania | 14 | $ 2,860,000 | $ 204,285 | $ 80,000 |
| Washington, Utah | 14 | $ 4,040,000 | $ 288,571 | $ 135,000 |
| Loudoun, Virginia | 14 | $ 9,960,000 | $ 711,428 | $ 272,000 |
| Baldwin, Alabama | 13 | $ 3,775,000 | $ 290,384 | $ 153,000 |
| Sumter, Florida | 13 | $ 3,915,000 | $ 301,153 | $ 122,000 |
| DuPage, Illinois | 13 | $ 4,455,000 | $ 342,692 | $ 114,000 |
| Bronx, New York | 13 | $ 6,295,000 | $ 484,230 | $ 158,000 |
| Brunswick, North Carolina | 13 | $ 5,965,000 | $ 458,846 | $ 199,000 |
| Pender, North Carolina | 13 | $ 8,195,000 | $ 630,384 | $ 201,000 |
| Tarrant, Texas | 13 | $ 3,415,000 | $ 262,692 | $ 129,000 |
| Portsmouth, Virginia | 13 | $ 2,535,000 | $ 195,000 | $ 78,000 |
| Kitsap, Washington | 13 | $ 6,315,000 | $ 485,769 | $ 203,000 |
| Kenosha, Wisconsin | 13 | $ 2,565,000 | $ 197,307 | $ 98,000 |
| Garland, Arkansas | 12 | $ 2,700,000 | $ 225,000 | $ 27,000 |
| Osceola, Florida | 12 | $ 4,310,000 | $ 359,166 | $ 178,000 |
| Ada, Idaho | 12 | $ 6,170,000 | $ 514,166 | $ 176,000 |
| Miami, Indiana | 12 | $ 1,680,000 | $ 140,000 | $ 76,000 |
| Posey, Indiana | 12 | $ 2,600,000 | $ 216,666 | $ 92,000 |
| Boyle, Kentucky | 12 | $ 2,780,000 | $ 231,666 | $ 87,000 |
| Pine, Minnesota | 12 | $ 1,860,000 | $ 155,000 | $ 177,000 |
| Cape May, New Jersey | 12 | $ 6,870,000 | $ 572,500 | $ 618,000 |
| Davidson, Tennessee | 12 | $ 6,730,000 | $ 560,833 | $ 257,000 |
| Mille Lacs, Minnesota | 11 | $ 2,795,000 | $ 254,090 | $ 83,000 |
| St. Louis, Minnesota | 11 | $ 3,255,000 | $ 295,909 | $ 154,000 |
| Atlantic, New Jersey | 11 | $ 3,505,000 | $ 318,636 | $ 93,000 |
| Garfield, Oklahoma | 11 | $ 1,885,000 | $ 171,363 | $ 68,000 |
| Chester, Pennsylvania | 11 | $ 5,495,000 | $ 499,545 | $ 256,000 |
| Hampton, Virginia | 11 | $ 2,345,000 | $ 213,181 | $ 92,000 |
| Lewis, Washington | 11 | $ 2,585,000 | $ 235,000 | $ 71,000 |
| Berkeley, West Virginia | 11 | $ 2,425,000 | $ 220,454 | $ 85,000 |
| Yavapai, Arizona | 10 | $ 4,580,000 | $ 458,000 | $ 127,000 |
| Los Angeles, California | 10 | $ 12,960,000 | $ 1,296,000 | $ 457,000 |
| Orange, California | 10 | $ 16,830,000 | $ 1,683,000 | $ 417,000 |
| Boulder, Colorado | 10 | $ 4,830,000 | $ 483,000 | $ 259,000 |
| Routt, Colorado | 10 | $ 7,810,000 | $ 781,000 | $ 287,000 |
| Cobb, Georgia | 10 | $ 3,360,000 | $ 336,000 | $ 182,000 |
| Morgan, Indiana | 10 | $ 3,260,000 | $ 326,000 | $ 111,000 |
| Jefferson, Kentucky | 10 | $ 3,270,000 | $ 327,000 | $ 86,000 |
| Woodford, Kentucky | 10 | $ 3,060,000 | $ 306,000 | $ 99,000 |
| Sagadahoc, Maine | 10 | $ 3,950,000 | $ 395,000 | $ 144,000 |
| Waldo, Maine | 10 | $ 2,630,000 | $ 263,000 | $ 94,000 |
| Carroll, Maryland | 10 | $ 3,470,000 | $ 347,000 | $ 139,000 |
| Allegan, Michigan | 10 | $ 5,160,000 | $ 516,000 | $ 311,000 |
| Kent, Michigan | 10 | $ 4,070,000 | $ 407,000 | $ 188,000 |
| Brown, Minnesota | 10 | $ 1,550,000 | $ 155,000 | $ 64,000 |
| Hinds, Mississippi | 10 | $ 2,470,000 | $ 247,000 | $ 126,000 |
| Madison, Mississippi | 10 | $ 3,700,000 | $ 370,000 | $ 128,000 |
| Tulsa, Oklahoma | 10 | $ 2,090,000 | $ 209,000 | $ 104,000 |
| Coos, Oregon | 10 | $ 3,840,000 | $ 384,000 | $ 131,000 |
| Montgomery, Pennsylvania | 10 | $ 6,780,000 | $ 678,000 | $ 267,000 |
| Providence, Rhode Island | 10 | $ 4,080,000 | $ 408,000 | $ 91,000 |
| Horry, South Carolina | 10 | $ 2,790,000 | $ 279,000 | $ 99,000 |
| Laurens, South Carolina | 10 | $ 4,190,000 | $ 419,000 | $ 131,000 |
| Gibson, Tennessee | 10 | $ 1,440,000 | $ 144,000 | $ 61,000 |
| Dallas, Texas | 10 | $ 3,920,000 | $ 392,000 | $ 299,000 |
| Prince William, Virginia | 10 | $ 6,630,000 | $ 663,000 | $ 188,000 |
| Pinal, Arizona | 9 | $ 2,245,000 | $ 249,444 | $ 87,000 |
| Pulaski, Arkansas | 9 | $ 1,165,000 | $ 129,444 | $ 216,000 |
| Hall, Georgia | 9 | $ 3,125,000 | $ 347,222 | $ 143,000 |
| Grant, Kentucky | 9 | $ 2,515,000 | $ 279,444 | $ 100,000 |
| Frederick, Maryland | 9 | $ 3,585,000 | $ 398,333 | $ 130,000 |
| Middlesex, Massachusetts | 9 | $ 4,855,000 | $ 539,444 | $ 197,000 |
| Hubbard, Minnesota | 9 | $ 2,345,000 | $ 260,555 | $ 135,000 |
| Le Sueur, Minnesota | 9 | $ 2,315,000 | $ 257,222 | $ 120,000 |
| Carroll, New Hampshire | 9 | $ 3,555,000 | $ 395,000 | $ 185,000 |
| Lawrence, Pennsylvania | 9 | $ 1,215,000 | $ 135,000 | $ 129,000 |
| Fayette, Tennessee | 9 | $ 3,905,000 | $ 433,888 | $ 119,000 |
| Caldwell, Texas | 9 | $ 3,045,000 | $ 338,333 | $ 98,000 |
| Denton, Texas | 9 | $ 2,895,000 | $ 321,666 | $ 117,000 |
| Mobile, Alabama | 8 | $ 2,220,000 | $ 277,500 | $ 81,000 |
| Cherokee, Georgia | 8 | $ 3,550,000 | $ 443,750 | $ 156,000 |
| Will, Illinois | 8 | $ 2,220,000 | $ 277,500 | $ 119,000 |
| Cass, Indiana | 8 | $ 1,390,000 | $ 173,750 | $ 70,000 |
| Dearborn, Indiana | 8 | $ 1,510,000 | $ 188,750 | $ 95,000 |
| Saline, Kansas | 8 | $ 1,900,000 | $ 237,500 | $ 72,000 |
| Cumberland, Maine | 8 | $ 3,080,000 | $ 385,000 | $ 124,000 |
| Essex, Massachusetts | 8 | $ 3,120,000 | $ 390,000 | $ 192,000 |
| Plymouth, Massachusetts | 8 | $ 2,880,000 | $ 360,000 | $ 110,000 |
| Cheshire, New Hampshire | 8 | $ 2,670,000 | $ 333,750 | $ 137,000 |
| Mecklenburg, North Carolina | 8 | $ 4,270,000 | $ 533,750 | $ 369,000 |
| Wake, North Carolina | 8 | $ 4,500,000 | $ 562,500 | $ 225,000 |
| Butler, Ohio | 8 | $ 1,940,000 | $ 242,500 | $ 97,000 |
| Multnomah, Oregon | 8 | $ 2,870,000 | $ 358,750 | $ 124,000 |
| Travis, Texas | 8 | $ 3,580,000 | $ 447,500 | $ 196,000 |
| Arlington, Virginia | 8 | $ 4,210,000 | $ 526,250 | $ 175,000 |
| Dane, Wisconsin | 8 | $ 2,280,000 | $ 285,000 | $ 124,000 |
| Cherokee, Alabama | 7 | $ 2,265,000 | $ 323,571 | $ 106,000 |
| Jefferson, Alabama | 7 | $ 1,545,000 | $ 220,714 | $ 91,000 |
| Humboldt, California | 7 | $ 1,925,000 | $ 275,000 | $ 51,000 |
| Alachua, Florida | 7 | $ 1,525,000 | $ 217,857 | $ 104,000 |
| Duval, Florida | 7 | $ 1,345,000 | $ 192,142 | $ 211,000 |
| Martin, Florida | 7 | $ 3,325,000 | $ 475,000 | $ 150,000 |
| Forsyth, Georgia | 7 | $ 4,975,000 | $ 710,714 | $ 264,000 |
| Kane, Illinois | 7 | $ 1,675,000 | $ 239,285 | $ 123,000 |
| Hancock, Indiana | 7 | $ 1,975,000 | $ 282,142 | $ 103,000 |
| Geary, Kansas | 7 | $ 1,195,000 | $ 170,714 | $ 73,000 |
| Cecil, Maryland | 7 | $ 2,575,000 | $ 367,857 | $ 165,000 |
| Kanabec, Minnesota | 7 | $ 1,355,000 | $ 193,571 | $ 125,000 |
| Olmsted, Minnesota | 7 | $ 1,795,000 | $ 256,428 | $ 153,000 |
| Waseca, Minnesota | 7 | $ 895,000 | $ 127,857 | $ 76,000 |
| DeSoto, Mississippi | 7 | $ 1,485,000 | $ 212,142 | $ 81,000 |
| Nodaway, Missouri | 7 | $ 985,000 | $ 140,714 | $ 82,000 |
| St. Louis, Missouri | 7 | $ 925,000 | $ 132,142 | $ 97,000 |
| Belknap, New Hampshire | 7 | $ 2,055,000 | $ 293,571 | $ 123,000 |
| Rockland, New York | 7 | $ 4,275,000 | $ 610,714 | $ 178,000 |
| Monroe, Pennsylvania | 7 | $ 2,235,000 | $ 319,285 | $ 132,000 |
| York, Pennsylvania | 7 | $ 2,215,000 | $ 316,428 | $ 107,000 |
| Brazoria, Texas | 7 | $ 2,345,000 | $ 335,000 | $ 198,000 |
| McCulloch, Texas | 7 | $ 845,000 | $ 120,714 | $ 87,000 |
| Oconto, Wisconsin | 7 | $ 1,995,000 | $ 285,000 | $ 102,000 |
| Pierce, Wisconsin | 7 | $ 4,895,000 | $ 699,285 | $ 348,000 |
| Polk, Wisconsin | 7 | $ 2,105,000 | $ 300,714 | $ 124,000 |
| Racine, Wisconsin | 7 | $ 1,905,000 | $ 272,142 | $ 95,000 |
| Washington, Wisconsin | 7 | $ 1,925,000 | $ 275,000 | $ 104,000 |
| Nevada, California | 6 | $ 1,630,000 | $ 271,666 | $ 34,000 |
| Broomfield, Colorado | 6 | $ 2,680,000 | $ 446,666 | $ 176,000 |
| Summit, Colorado | 6 | $ 5,730,000 | $ 955,000 | $ 341,000 |
| Capitol Planning Region, Connecticut | 6 | $ 2,450,000 | $ 408,333 | $ 121,000 |
| Greater Bridgeport Planning Region, Connecticut | 6 | $ 2,260,000 | $ 376,666 | $ 108,000 |
| Western Connecticut Planning Region, Connecticut | 6 | $ 2,450,000 | $ 408,333 | $ 160,000 |
| Santa Rosa, Florida | 6 | $ 1,440,000 | $ 240,000 | $ 134,000 |
| St. Johns, Florida | 6 | $ 2,550,000 | $ 425,000 | $ 244,000 |
| Wakulla, Florida | 6 | $ 650,000 | $ 108,333 | $ 70,000 |
| Boone, Indiana | 6 | $ 2,240,000 | $ 373,333 | $ 120,000 |
| Madison, Indiana | 6 | $ 730,000 | $ 121,666 | $ 59,000 |
| Tipton, Indiana | 6 | $ 1,100,000 | $ 183,333 | $ 98,000 |
| Garrard, Kentucky | 6 | $ 1,530,000 | $ 255,000 | $ 106,000 |
| Mercer, Kentucky | 6 | $ 1,160,000 | $ 193,333 | $ 72,000 |
| Montgomery, Kentucky | 6 | $ 1,950,000 | $ 325,000 | $ 149,000 |
| Penobscot, Maine | 6 | $ 1,450,000 | $ 241,666 | $ 115,000 |
| Pope, Minnesota | 6 | $ 1,320,000 | $ 220,000 | $ 101,000 |
| Todd, Minnesota | 6 | $ 760,000 | $ 126,666 | $ 56,000 |
| Grafton, New Hampshire | 6 | $ 1,400,000 | $ 233,333 | $ 152,000 |
| Onslow, North Carolina | 6 | $ 2,320,000 | $ 386,666 | $ 179,000 |
| Columbiana, Ohio | 6 | $ 1,290,000 | $ 215,000 | $ 99,000 |
| Trumbull, Ohio | 6 | $ 1,440,000 | $ 240,000 | $ 93,000 |
| Washington, Oregon | 6 | $ 2,480,000 | $ 413,333 | $ 152,000 |
| Beaufort, South Carolina | 6 | $ 3,530,000 | $ 588,333 | $ 729,000 |
| Hamilton, Tennessee | 6 | $ 950,000 | $ 158,333 | $ 68,000 |
| Sevier, Tennessee | 6 | $ 3,330,000 | $ 555,000 | $ 348,000 |
| Williamson, Tennessee | 6 | $ 8,610,000 | $ 1,435,000 | $ 842,000 |
| Bexar, Texas | 6 | $ 1,920,000 | $ 320,000 | $ 152,000 |
| El Paso, Texas | 6 | $ 1,420,000 | $ 236,666 | $ 95,000 |
| Albemarle, Virginia | 6 | $ 2,870,000 | $ 478,333 | $ 185,000 |
| Fauquier, Virginia | 6 | $ 2,660,000 | $ 443,333 | $ 92,000 |
| Newport News, Virginia | 6 | $ 970,000 | $ 161,666 | $ 56,000 |
| Stafford, Virginia | 6 | $ 3,400,000 | $ 566,666 | $ 177,000 |
| Virginia Beach, Virginia | 6 | $ 2,080,000 | $ 346,666 | $ 207,000 |
| Benton, Arkansas | 5 | $ 1,415,000 | $ 283,000 | $ 86,000 |
| Alameda, California | 5 | $ 2,715,000 | $ 543,000 | $ 239,000 |
| San Bernardino, California | 5 | $ 2,595,000 | $ 519,000 | $ 266,000 |
| Grand, Colorado | 5 | $ 2,925,000 | $ 585,000 | $ 249,000 |
| Teller, Colorado | 5 | $ 2,055,000 | $ 411,000 | $ 166,000 |
| Southeastern Connecticut Planning Region, Connecticut | 5 | $ 1,855,000 | $ 371,000 | $ 149,000 |
| Indian River, Florida | 5 | $ 1,275,000 | $ 255,000 | $ 86,000 |
| Bartow, Georgia | 5 | $ 1,325,000 | $ 265,000 | $ 77,000 |
| Carroll, Georgia | 5 | $ 865,000 | $ 173,000 | $ 39,000 |
| Jackson, Georgia | 5 | $ 2,005,000 | $ 401,000 | $ 140,000 |
| Macoupin, Illinois | 5 | $ 855,000 | $ 171,000 | $ 57,000 |
| McHenry, Illinois | 5 | $ 1,055,000 | $ 211,000 | $ 58,000 |
| Winnebago, Illinois | 5 | $ 525,000 | $ 105,000 | $ 51,000 |
| Starke, Indiana | 5 | $ 1,465,000 | $ 293,000 | $ 99,000 |
| Franklin, Kentucky | 5 | $ 1,365,000 | $ 273,000 | $ 66,000 |
| Harrison, Kentucky | 5 | $ 1,415,000 | $ 283,000 | $ 94,000 |
| Union, Kentucky | 5 | $ 745,000 | $ 149,000 | $ 60,000 |
| St. Tammany, Louisiana | 5 | $ 895,000 | $ 179,000 | $ 119,000 |
| Harford, Maryland | 5 | $ 1,325,000 | $ 265,000 | $ 147,000 |
| Suffolk, Massachusetts | 5 | $ 3,205,000 | $ 641,000 | $ 169,000 |
| Monroe, Michigan | 5 | $ 1,125,000 | $ 225,000 | $ 133,000 |
| Washtenaw, Michigan | 5 | $ 2,345,000 | $ 469,000 | $ 162,000 |
| Beltrami, Minnesota | 5 | $ 615,000 | $ 123,000 | $ 44,000 |
| Lyon, Minnesota | 5 | $ 895,000 | $ 179,000 | $ 47,000 |
| Sibley, Minnesota | 5 | $ 855,000 | $ 171,000 | $ 78,000 |
| Lafayette, Mississippi | 5 | $ 2,185,000 | $ 437,000 | $ 268,000 |
| Lake, Montana | 5 | $ 1,475,000 | $ 295,000 | $ 83,000 |
| Missoula, Montana | 5 | $ 3,555,000 | $ 711,000 | $ 164,000 |
| Salem, New Jersey | 5 | $ 1,335,000 | $ 267,000 | $ 87,000 |
| Bernalillo, New Mexico | 5 | $ 1,795,000 | $ 359,000 | $ 125,000 |
| Santa Fe, New Mexico | 5 | $ 2,135,000 | $ 427,000 | $ 706,000 |
| Dutchess, New York | 5 | $ 1,895,000 | $ 379,000 | $ 164,000 |
| Richmond, New York | 5 | $ 2,535,000 | $ 507,000 | $ 167,000 |
| Johnston, North Carolina | 5 | $ 2,085,000 | $ 417,000 | $ 105,000 |
| Clermont, Ohio | 5 | $ 1,295,000 | $ 259,000 | $ 98,000 |
| Kingfisher, Oklahoma | 5 | $ 1,085,000 | $ 217,000 | $ 378,000 |
| Clackamas, Oregon | 5 | $ 2,345,000 | $ 469,000 | $ 146,000 |
| Delaware, Pennsylvania | 5 | $ 2,035,000 | $ 407,000 | $ 140,000 |
| Lancaster, Pennsylvania | 5 | $ 1,475,000 | $ 295,000 | $ 211,000 |
| Northampton, Pennsylvania | 5 | $ 1,925,000 | $ 385,000 | $ 139,000 |
| Kent, Rhode Island | 5 | $ 1,365,000 | $ 273,000 | $ 114,000 |
| Charleston, South Carolina | 5 | $ 2,565,000 | $ 513,000 | $ 174,000 |
| Sullivan, Tennessee | 5 | $ 1,515,000 | $ 303,000 | $ 109,000 |
| Wilson, Tennessee | 5 | $ 2,505,000 | $ 501,000 | $ 175,000 |
| Angelina, Texas | 5 | $ 425,000 | $ 85,000 | $ 90,000 |
| Austin, Texas | 5 | $ 1,105,000 | $ 221,000 | $ 90,000 |
| Bell, Texas | 5 | $ 935,000 | $ 187,000 | $ 105,000 |
| Collin, Texas | 5 | $ 2,465,000 | $ 493,000 | $ 161,000 |
| Lavaca, Texas | 5 | $ 655,000 | $ 131,000 | $ 100,000 |
| Walker, Texas | 5 | $ 605,000 | $ 121,000 | $ 368,000 |
| Waller, Texas | 5 | $ 2,135,000 | $ 427,000 | $ 272,000 |
| Williamson, Texas | 5 | $ 1,405,000 | $ 281,000 | $ 43,000 |
| Salt Lake, Utah | 5 | $ 1,765,000 | $ 353,000 | $ 65,000 |
| Chesterfield, Virginia | 5 | $ 1,765,000 | $ 353,000 | $ 163,000 |
| Norfolk, Virginia | 5 | $ 1,335,000 | $ 267,000 | $ 105,000 |
| Mason, Washington | 5 | $ 1,385,000 | $ 277,000 | $ 123,000 |
| Jefferson, West Virginia | 5 | $ 1,875,000 | $ 375,000 | $ 152,000 |
| Manitowoc, Wisconsin | 5 | $ 495,000 | $ 99,000 | $ 37,000 |
| Sheboygan, Wisconsin | 5 | $ 1,275,000 | $ 255,000 | $ 107,000 |
| Waupaca, Wisconsin | 5 | $ 815,000 | $ 163,000 | $ 122,000 |
| Gila, Arizona | 4 | $ 1,040,000 | $ 260,000 | $ 101,000 |
| Pima, Arizona | 4 | $ 3,070,000 | $ 767,500 | $ 632,000 |
| Saline, Arkansas | 4 | $ 1,080,000 | $ 270,000 | $ 46,000 |
| Jackson, Colorado | 4 | $ 1,230,000 | $ 307,500 | $ 117,000 |
| Rio Blanco, Colorado | 4 | $ 1,240,000 | $ 310,000 | $ 63,000 |
| Naugatuck Valley Planning Region, Connecticut | 4 | $ 890,000 | $ 222,500 | $ 114,000 |
| Columbia, Florida | 4 | $ 460,000 | $ 115,000 | $ 104,000 |
| Hendry, Florida | 4 | $ 990,000 | $ 247,500 | $ 88,000 |
| Leon, Florida | 4 | $ 1,930,000 | $ 482,500 | $ 174,000 |
| Putnam, Florida | 4 | $ 620,000 | $ 155,000 | $ 71,000 |
| Douglas, Georgia | 4 | $ 1,610,000 | $ 402,500 | $ 146,000 |
| Pickens, Georgia | 4 | $ 1,550,000 | $ 387,500 | $ 227,000 |
| Polk, Georgia | 4 | $ 850,000 | $ 212,500 | $ 107,000 |
| Carroll, Indiana | 4 | $ 510,000 | $ 127,500 | $ 58,000 |
| Dubois, Indiana | 4 | $ 940,000 | $ 235,000 | $ 82,000 |
| Grant, Indiana | 4 | $ 820,000 | $ 205,000 | $ 91,000 |
| Knox, Indiana | 4 | $ 590,000 | $ 147,500 | $ 74,000 |
| Marshall, Indiana | 4 | $ 1,090,000 | $ 272,500 | $ 137,000 |
| Spencer, Indiana | 4 | $ 930,000 | $ 232,500 | $ 80,000 |
| St. Joseph, Indiana | 4 | $ 920,000 | $ 230,000 | $ 96,000 |
| Miami, Kansas | 4 | $ 1,300,000 | $ 325,000 | $ 107,000 |
| Wyandotte, Kansas | 4 | $ 1,360,000 | $ 340,000 | $ 134,000 |
| Anderson, Kentucky | 4 | $ 930,000 | $ 232,500 | $ 91,000 |
| Bourbon, Kentucky | 4 | $ 860,000 | $ 215,000 | $ 91,000 |
| Shelby, Kentucky | 4 | $ 1,310,000 | $ 327,500 | $ 129,000 |
| Barnstable, Massachusetts | 4 | $ 1,840,000 | $ 460,000 | $ 55,000 |
| Bristol, Massachusetts | 4 | $ 1,820,000 | $ 455,000 | $ 109,000 |
| Kalamazoo, Michigan | 4 | $ 2,240,000 | $ 560,000 | $ 265,000 |
| St. Clair, Michigan | 4 | $ 710,000 | $ 177,500 | $ 115,000 |
| Aitkin, Minnesota | 4 | $ 900,000 | $ 225,000 | $ 101,000 |
| Freeborn, Minnesota | 4 | $ 510,000 | $ 127,500 | $ 72,000 |
| Itasca, Minnesota | 4 | $ 820,000 | $ 205,000 | $ 153,000 |
| Lake, Minnesota | 4 | $ 1,440,000 | $ 360,000 | $ 180,000 |
| Meeker, Minnesota | 4 | $ 1,150,000 | $ 287,500 | $ 94,000 |
| Otter Tail, Minnesota | 4 | $ 890,000 | $ 222,500 | $ 132,000 |
| Monroe, Mississippi | 4 | $ 540,000 | $ 135,000 | $ 71,000 |
| Lafayette, Missouri | 4 | $ 710,000 | $ 177,500 | $ 56,000 |
| Delaware, New York | 4 | $ 1,150,000 | $ 287,500 | $ 188,000 |
| Erie, New York | 4 | $ 1,610,000 | $ 402,500 | $ 140,000 |
| Oneida, New York | 4 | $ 870,000 | $ 217,500 | $ 63,000 |
| Clark, Ohio | 4 | $ 650,000 | $ 162,500 | $ 69,000 |
| Montgomery, Ohio | 4 | $ 1,080,000 | $ 270,000 | $ 120,000 |
| Logan, Oklahoma | 4 | $ 980,000 | $ 245,000 | $ 62,000 |
| Berks, Pennsylvania | 4 | $ 920,000 | $ 230,000 | $ 108,000 |
| Pike, Pennsylvania | 4 | $ 1,080,000 | $ 270,000 | $ 176,000 |
| Oconee, South Carolina | 4 | $ 1,350,000 | $ 337,500 | $ 121,000 |
| Hays, Texas | 4 | $ 1,010,000 | $ 252,500 | $ 75,000 |
| Parker, Texas | 4 | $ 1,470,000 | $ 367,500 | $ 108,000 |
| Chesapeake, Virginia | 4 | $ 1,760,000 | $ 440,000 | $ 173,000 |
| Fairfax City, Virginia | 4 | $ 2,390,000 | $ 597,500 | $ 218,000 |
| Franklin City, Virginia | 4 | $ 530,000 | $ 132,500 | $ 49,000 |
| Montgomery, Virginia | 4 | $ 780,000 | $ 195,000 | $ 86,000 |
| Cowlitz, Washington | 4 | $ 1,960,000 | $ 490,000 | $ 249,000 |
| Grant, Washington | 4 | $ 1,360,000 | $ 340,000 | $ 135,000 |
| Burnett, Wisconsin | 4 | $ 1,120,000 | $ 280,000 | $ 111,000 |
| Calumet, Wisconsin | 4 | $ 1,260,000 | $ 315,000 | $ 117,000 |
| Madison, Alabama | 3 | $ 835,000 | $ 278,333 | $ 123,000 |
| Sitka, Alaska | 3 | $ 1,295,000 | $ 431,666 | $ 141,000 |
| Baxter, Arkansas | 3 | $ 295,000 | $ 98,333 | $ 51,000 |
| Washington, Arkansas | 3 | $ 1,255,000 | $ 418,333 | $ 222,000 |
| Fremont, Colorado | 3 | $ 645,000 | $ 215,000 | $ 74,000 |
| Nassau, Florida | 3 | $ 1,615,000 | $ 538,333 | $ 254,000 |
| Walton, Florida | 3 | $ 2,715,000 | $ 905,000 | $ 211,000 |
| Barrow, Georgia | 3 | $ 865,000 | $ 288,333 | $ 77,000 |
| Bryan, Georgia | 3 | $ 3,955,000 | $ 1,318,333 | $ 2,291,000 |
| Chatham, Georgia | 3 | $ 925,000 | $ 308,333 | $ 144,000 |
| Clayton, Georgia | 3 | $ 655,000 | $ 218,333 | $ 88,000 |
| Dawson, Georgia | 3 | $ 1,145,000 | $ 381,666 | $ 172,000 |
| Henry, Georgia | 3 | $ 1,405,000 | $ 468,333 | $ 403,000 |
| Murray, Georgia | 3 | $ 645,000 | $ 215,000 | $ 178,000 |
| Walton, Georgia | 3 | $ 985,000 | $ 328,333 | $ 93,000 |
| Madison, Illinois | 3 | $ 2,095,000 | $ 698,333 | $ 54,000 |
| St. Clair, Illinois | 3 | $ 755,000 | $ 251,666 | $ 211,000 |
| Delaware, Indiana | 3 | $ 575,000 | $ 191,666 | $ 108,000 |
| Lawrence, Indiana | 3 | $ 665,000 | $ 221,666 | $ 74,000 |
| Wayne, Indiana | 3 | $ 635,000 | $ 211,666 | $ 28,000 |
| Franklin, Kansas | 3 | $ 965,000 | $ 321,666 | $ 92,000 |
| Shawnee, Kansas | 3 | $ 415,000 | $ 138,333 | $ 85,000 |
| Caldwell, Kentucky | 3 | $ 455,000 | $ 151,666 | $ 70,000 |
| Estill, Kentucky | 3 | $ 825,000 | $ 275,000 | $ 91,000 |
| Lincoln, Kentucky | 3 | $ 615,000 | $ 205,000 | $ 114,000 |
| Warren, Kentucky | 3 | $ 1,045,000 | $ 348,333 | $ 112,000 |
| Orleans, Louisiana | 3 | $ 795,000 | $ 265,000 | $ 155,000 |
| Franklin, Maine | 3 | $ 835,000 | $ 278,333 | $ 78,000 |
| Oxford, Maine | 3 | $ 505,000 | $ 168,333 | $ 55,000 |
| Queen Anne's, Maryland | 3 | $ 1,755,000 | $ 585,000 | $ 155,000 |
| Somerset, Maryland | 3 | $ 525,000 | $ 175,000 | $ 53,000 |
| Talbot, Maryland | 3 | $ 1,215,000 | $ 405,000 | $ 181,000 |
| Washington, Maryland | 3 | $ 715,000 | $ 238,333 | $ 83,000 |
| Norfolk, Massachusetts | 3 | $ 1,485,000 | $ 495,000 | $ 38,000 |
| Benzie, Michigan | 3 | $ 1,645,000 | $ 548,333 | $ 314,000 |
| Ingham, Michigan | 3 | $ 1,565,000 | $ 521,666 | $ 301,000 |
| Becker, Minnesota | 3 | $ 975,000 | $ 325,000 | $ 603,000 |
| Carlton, Minnesota | 3 | $ 1,225,000 | $ 408,333 | $ 132,000 |
| Clay, Minnesota | 3 | $ 505,000 | $ 168,333 | $ 86,000 |
| Cottonwood, Minnesota | 3 | $ 245,000 | $ 81,666 | $ 45,000 |
| Dodge, Minnesota | 3 | $ 485,000 | $ 161,666 | $ 84,000 |
| Martin, Minnesota | 3 | $ 235,000 | $ 78,333 | $ 34,000 |
| Morrison, Minnesota | 3 | $ 1,155,000 | $ 385,000 | $ 181,000 |
| Steele, Minnesota | 3 | $ 1,025,000 | $ 341,666 | $ 126,000 |
| Wabasha, Minnesota | 3 | $ 655,000 | $ 218,333 | $ 106,000 |
| Grenada, Mississippi | 3 | $ 455,000 | $ 151,666 | $ 73,000 |
| Neshoba, Mississippi | 3 | $ 325,000 | $ 108,333 | $ 30,000 |
| Newton, Mississippi | 3 | $ 285,000 | $ 95,000 | $ 55,000 |
| Oktibbeha, Mississippi | 3 | $ 1,145,000 | $ 381,666 | $ 249,000 |
| Camden, Missouri | 3 | $ 1,165,000 | $ 388,333 | $ 171,000 |
| Douglas, Nebraska | 3 | $ 2,475,000 | $ 825,000 | $ 115,000 |
| Sarpy, Nebraska | 3 | $ 905,000 | $ 301,666 | $ 108,000 |
| Sullivan, New Hampshire | 3 | $ 975,000 | $ 325,000 | $ 116,000 |
| Ulster, New York | 3 | $ 985,000 | $ 328,333 | $ 124,000 |
| Burke, North Carolina | 3 | $ 795,000 | $ 265,000 | $ 80,000 |
| Cumberland, North Carolina | 3 | $ 785,000 | $ 261,666 | $ 66,000 |
| Williams, North Dakota | 3 | $ 995,000 | $ 331,666 | $ 161,000 |
| Delaware, Ohio | 3 | $ 935,000 | $ 311,666 | $ 141,000 |
| Lucas, Ohio | 3 | $ 505,000 | $ 168,333 | $ 186,000 |
| Delaware, Oklahoma | 3 | $ 595,000 | $ 198,333 | $ 93,000 |
Mortgage Loan Application Detail Totals for Luminate Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 9,351 | $3,422,295,000 | $365,000 | $4,385,000 | $156,000 | $7,203,000 |
| Refinancing | 1,444 | $656,210,000 | $454,000 | $4,305,000 | $170,000 | $4,417,000 |
| Cash-out Refinancing | 1,277 | $430,965,000 | $337,000 | $2,705,000 | $176,000 | $3,110,000 |
| Other Purpose | 58 | $12,020,000 | $207,000 | $795,000 | $42,000 | $156,000 |
| Home Improvement | 16 | $6,630,000 | $414,000 | $805,000 | $103,000 | $279,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,830 | $2,955,750,000 | $377,000 | $4,385,000 | $166,000 | $7,203,000 |
| Hispanic | 1,416 | $461,300,000 | $325,000 | $1,985,000 | $126,000 | $2,634,000 |
| Not Provided | 1,147 | $436,615,000 | $380,000 | $2,255,000 | $166,000 | $3,110,000 |
| Black or African American | 958 | $333,210,000 | $347,000 | $2,355,000 | $134,000 | $4,417,000 |
| Asian | 663 | $292,425,000 | $441,000 | $2,505,000 | $173,000 | $2,458,000 |
| American Indian or Alaskan Native | 65 | $19,215,000 | $295,000 | $735,000 | $151,000 | $2,506,000 |
| Not applicable | 41 | $21,875,000 | $533,000 | $3,045,000 | $71,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $7,730,000 | $297,000 | $615,000 | $108,000 | $385,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,705 | $3,369,985,000 | $387,000 | $4,385,000 | $181,000 | $7,203,000 |
| FHA-insured (Federal Housing Administration) | 2,637 | $808,155,000 | $306,000 | $1,215,000 | $96,000 | $2,400,000 |
| VA-guaranteed (Veterans Administration) | 724 | $333,330,000 | $460,000 | $2,705,000 | $128,000 | $2,282,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $16,650,000 | $208,000 | $505,000 | $79,000 | $175,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 8,416 | $3,114,050,000 | $370,000 | $4,305,000 | $158,000 | $7,203,000 |
| Application Withdrawn By Applicant | 3,238 | $1,250,400,000 | $386,000 | $4,385,000 | $167,000 | $4,417,000 |
| Application Denied By Financial Institution | 384 | $125,490,000 | $326,000 | $2,505,000 | $125,000 | $2,247,000 |
| Application Approved But Not Accepted | 76 | $30,210,000 | $397,000 | $1,995,000 | $172,000 | $1,967,000 |
| File Closed For Incompleteness | 20 | $3,440,000 | $172,000 | $385,000 | $40,000 | $111,000 |
| Loan Purchased By The Institution | 10 | $3,450,000 | $345,000 | $715,000 | $107,000 | $212,000 |
| Preapproval Approved but not Accepted | 2 | $1,080,000 | $540,000 | $765,000 | $191,000 | $288,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 11,762 | $4,402,630,000 | $374,000 | $4,385,000 | $160,000 | $7,203,000 |
| Debt-To-Income Ratio | 118 | $41,660,000 | $353,000 | $1,505,000 | $95,000 | $406,000 |
| Credit History | 100 | $32,110,000 | $321,000 | $2,005,000 | $158,000 | $2,247,000 |
| Collateral | 86 | $24,380,000 | $283,000 | $1,405,000 | $148,000 | $1,540,000 |
| Other | 49 | $17,395,000 | $355,000 | $2,505,000 | $106,000 | $821,000 |
| Employment History | 12 | $3,660,000 | $305,000 | $595,000 | $104,000 | $383,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,475,000 | $315,000 | $635,000 | $109,000 | $263,000 |
| Unverifiable Information | 7 | $2,495,000 | $356,000 | $635,000 | $82,000 | $125,000 |
| Credit Application Incomplete | 1 | $315,000 | $315,000 | $315,000 | $110,000 | $110,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Luminate Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Luminate Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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