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Act (HMDA) records Luminate Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,469 | $ 513,215,000 | $ 349,363 | $ 157,850 |
| Outside any metro area | 1,459 | $ 416,555,000 | $ 285,507 | $ 124,452 |
| New York-Jersey City-White Plains, NY-NJ | 715 | $ 438,665,000 | $ 613,517 | $ 232,288 |
| Newark, NJ-PA | 580 | $ 323,680,000 | $ 558,068 | $ 225,000 |
| Denver-Aurora-Lakewood, CO | 521 | $ 253,925,000 | $ 487,380 | $ 169,000 |
| Lakewood-New Brunswick, NJ | 329 | $ 161,655,000 | $ 491,352 | $ 215,000 |
| Lexington-Fayette, KY | 257 | $ 78,375,000 | $ 304,961 | $ 127,000 |
| Houston-The Woodlands-Sugar Land, TX | 224 | $ 71,640,000 | $ 319,821 | $ 215,000 |
| Cincinnati, OH-KY-IN | 199 | $ 47,255,000 | $ 237,462 | $ 96,658 |
| Greenville-Anderson-Mauldin, SC | 188 | $ 64,790,000 | $ 344,627 | $ 151,000 |
| Ocala, FL | 181 | $ 40,815,000 | $ 225,497 | $ 114,000 |
| Indianapolis-Carmel-Anderson, IN | 179 | $ 51,825,000 | $ 289,525 | $ 115,000 |
| Tacoma-Lakewood, WA | 176 | $ 80,350,000 | $ 456,534 | $ 164,000 |
| Phoenix-Mesa-Scottsdale, AZ | 175 | $ 81,085,000 | $ 463,342 | $ 206,000 |
| Kansas City, MO-KS | 172 | $ 40,640,000 | $ 236,279 | $ 93,906 |
| Orlando-Kissimmee-Sanford, FL | 157 | $ 57,975,000 | $ 369,267 | $ 151,000 |
| Wilmington, DE-MD-NJ | 142 | $ 46,120,000 | $ 324,788 | $ 124,718 |
| North Port-Sarasota-Bradenton, FL | 139 | $ 48,355,000 | $ 347,877 | $ 138,000 |
| Rockingham County-Strafford County, NH | 138 | $ 56,060,000 | $ 406,231 | $ 181,000 |
| Evansville, IN-KY | 137 | $ 28,575,000 | $ 208,576 | $ 92,000 |
| Atlanta-Sandy Springs-Roswell, GA | 135 | $ 46,765,000 | $ 346,407 | $ 161,000 |
| Cape Coral-Fort Myers, FL | 127 | $ 38,235,000 | $ 301,062 | $ 167,000 |
| Oklahoma City, OK | 127 | $ 31,505,000 | $ 248,070 | $ 94,000 |
| Arlington-Alexandria-Reston, VA-WV | 122 | $ 74,980,000 | $ 614,590 | $ 204,745 |
| Lake County-Porter County-Jasper County, IN | 120 | $ 33,760,000 | $ 281,333 | $ 147,000 |
| Chicago-Naperville, IL | 119 | $ 29,875,000 | $ 251,050 | $ 99,000 |
| Nassau County-Suffolk County, NY | 116 | $ 72,240,000 | $ 622,758 | $ 278,000 |
| Baltimore-Columbia-Towson, MD | 115 | $ 41,585,000 | $ 361,608 | $ 196,000 |
| Tampa, FL | 107 | $ 29,595,000 | $ 276,588 | $ 123,000 |
| Dover, DE | 99 | $ 32,425,000 | $ 327,525 | $ 105,000 |
| Warren-Troy-Farmington Hills, MI | 87 | $ 28,015,000 | $ 322,011 | $ 150,000 |
| Kokomo, IN | 82 | $ 14,810,000 | $ 180,609 | $ 81,000 |
| Milwaukee-Waukesha-West Allis, WI | 80 | $ 29,750,000 | $ 371,875 | $ 138,000 |
| Washington, DC-MD | 76 | $ 31,750,000 | $ 417,763 | $ 154,000 |
| Camden, NJ | 71 | $ 24,765,000 | $ 348,802 | $ 134,000 |
| Las Vegas-Henderson-Paradise, NV | 70 | $ 30,530,000 | $ 436,142 | $ 210,000 |
| Mankato-North Mankato, MN | 70 | $ 18,910,000 | $ 270,142 | $ 131,000 |
| Memphis, TN-MS-AR | 64 | $ 17,630,000 | $ 275,468 | $ 129,703 |
| Green Bay, WI | 62 | $ 14,900,000 | $ 240,322 | $ 106,000 |
| Grand Junction, CO | 61 | $ 19,295,000 | $ 316,311 | $ 129,000 |
| Jackson, MS | 60 | $ 15,410,000 | $ 256,833 | $ 111,000 |
| Greeley, CO | 59 | $ 24,955,000 | $ 422,966 | $ 183,000 |
| Spartanburg, SC | 56 | $ 17,770,000 | $ 317,321 | $ 100,000 |
| Wilmington, NC | 56 | $ 32,320,000 | $ 577,142 | $ 221,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 53 | $ 15,135,000 | $ 285,566 | $ 119,188 |
| Seattle-Bellevue-Everett, WA | 52 | $ 30,110,000 | $ 579,038 | $ 173,000 |
| Montgomery County-Bucks County-Chester County, PA | 49 | $ 23,115,000 | $ 471,734 | $ 203,000 |
| Manhattan, KS | 46 | $ 11,000,000 | $ 239,130 | $ 98,000 |
| Salisbury, MD-DE | 45 | $ 10,365,000 | $ 230,333 | $ 82,000 |
| Manchester-Nashua, NH | 43 | $ 16,105,000 | $ 374,534 | $ 163,000 |
| Portland-South Portland, ME | 43 | $ 18,305,000 | $ 425,697 | $ 170,000 |
| Philadelphia, PA | 40 | $ 10,000,000 | $ 250,000 | $ 94,000 |
| Olympia-Tumwater, WA | 39 | $ 20,085,000 | $ 515,000 | $ 155,000 |
| Lake County-Kenosha County, IL-WI | 37 | $ 10,595,000 | $ 286,351 | $ 126,000 |
| Detroit-Dearborn-Livonia, MI | 35 | $ 6,495,000 | $ 185,571 | $ 158,000 |
| Washington-Baltimore-Arlington, DC | 35 | $ 20,295,000 | $ 579,857 | $ 191,000 |
| Colorado Springs, CO | 34 | $ 15,220,000 | $ 447,647 | $ 149,000 |
| Riverside-San Bernardino-Ontario, CA | 32 | $ 13,230,000 | $ 413,437 | $ 194,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 31 | $ 11,095,000 | $ 357,903 | $ 370,000 |
| Rome, GA | 31 | $ 7,255,000 | $ 234,032 | $ 87,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 31 | $ 18,005,000 | $ 580,806 | $ 267,000 |
| Dallas-Plano-Irving, TX | 30 | $ 10,420,000 | $ 347,333 | $ 168,000 |
| Appleton, WI | 29 | $ 8,485,000 | $ 292,586 | $ 118,000 |
| Fort Collins, CO | 29 | $ 11,185,000 | $ 385,689 | $ 127,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 29 | $ 19,275,000 | $ 664,655 | $ 325,000 |
| Port St. Lucie, FL | 29 | $ 11,715,000 | $ 403,965 | $ 148,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 28 | $ 9,530,000 | $ 340,357 | $ 154,000 |
| Jackson, TN | 28 | $ 5,080,000 | $ 181,428 | $ 83,000 |
| Youngstown-Warren-Boardman, OH-PA | 28 | $ 5,660,000 | $ 202,142 | $ 94,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 27 | $ 9,295,000 | $ 344,259 | $ 125,111 |
| Austin-Round Rock, TX | 27 | $ 9,335,000 | $ 345,740 | $ 116,000 |
| Marietta, GA | 26 | $ 9,580,000 | $ 368,461 | $ 155,000 |
| Pittsburgh, PA | 26 | $ 4,950,000 | $ 190,384 | $ 95,000 |
| Lakeland-Winter Haven, FL | 25 | $ 6,015,000 | $ 240,600 | $ 111,000 |
| Palm Bay-Melbourne-Titusville, FL | 25 | $ 6,545,000 | $ 261,800 | $ 135,000 |
| St. Petersburg-Clearwater-Largo, FL | 25 | $ 9,045,000 | $ 361,800 | $ 165,000 |
| Trenton, NJ | 25 | $ 11,255,000 | $ 450,200 | $ 151,000 |
| Atlantic City-Hammonton, NJ | 23 | $ 10,375,000 | $ 451,086 | $ 367,000 |
| Fort Worth-Arlington, TX | 23 | $ 6,465,000 | $ 281,086 | $ 120,000 |
| Naples-Immokalee-Marco Island, FL | 23 | $ 12,245,000 | $ 532,391 | $ 236,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 23 | $ 9,375,000 | $ 407,608 | $ 138,608 |
| Providence-Warwick, RI-MA | 22 | $ 8,320,000 | $ 378,181 | $ 95,090 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 21 | $ 8,865,000 | $ 422,142 | $ 216,000 |
| Louisville/Jefferson County, KY-IN | 21 | $ 7,285,000 | $ 346,904 | $ 118,000 |
| Michigan City-La Porte, IN | 21 | $ 4,825,000 | $ 229,761 | $ 78,000 |
| Pensacola-Ferry Pass-Brent, FL | 21 | $ 5,685,000 | $ 270,714 | $ 258,000 |
| Spokane-Spokane Valley, WA | 21 | $ 4,955,000 | $ 235,952 | $ 80,000 |
| St. Louis, MO-IL | 21 | $ 5,135,000 | $ 244,523 | $ 135,285 |
| Everett, WA | 20 | $ 7,840,000 | $ 392,000 | $ 121,000 |
| Jacksonville, FL | 20 | $ 6,330,000 | $ 316,500 | $ 211,000 |
| Oshkosh-Neenah, WI | 20 | $ 4,430,000 | $ 221,500 | $ 91,000 |
| Bloomington, IN | 19 | $ 5,265,000 | $ 277,105 | $ 161,000 |
| Owensboro, KY | 19 | $ 5,355,000 | $ 281,842 | $ 70,000 |
| St. Cloud, MN | 19 | $ 4,945,000 | $ 260,263 | $ 116,000 |
| Homosassa Springs, FL | 18 | $ 4,030,000 | $ 223,888 | $ 88,000 |
| San Diego-Carlsbad, CA | 18 | $ 13,020,000 | $ 723,333 | $ 314,000 |
| Cambridge-Newton-Framingham, MA | 17 | $ 7,975,000 | $ 469,117 | $ 194,000 |
| Punta Gorda, FL | 17 | $ 5,315,000 | $ 312,647 | $ 244,000 |
| Boston, MA | 16 | $ 7,570,000 | $ 473,125 | $ 115,000 |
| Little Rock-North Little Rock-Conway, AR | 16 | $ 3,010,000 | $ 188,125 | $ 152,000 |
| Duluth, MN-WI | 15 | $ 4,595,000 | $ 306,333 | $ 144,933 |
| Hagerstown-Martinsburg, MD-WV | 15 | $ 3,365,000 | $ 224,333 | $ 82,200 |
| Rochester, MN | 15 | $ 3,155,000 | $ 210,333 | $ 116,000 |
| Boise City, ID | 14 | $ 6,710,000 | $ 479,285 | $ 160,000 |
| Charlotte-Concord-Gastonia, NC-SC | 14 | $ 6,240,000 | $ 445,714 | $ 257,214 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 7,480,000 | $ 534,285 | $ 206,000 |
| St. George, UT | 14 | $ 4,040,000 | $ 288,571 | $ 135,000 |
| Tulsa, OK | 14 | $ 2,920,000 | $ 208,571 | $ 85,000 |
| Bremerton-Silverdale, WA | 13 | $ 6,315,000 | $ 485,769 | $ 203,000 |
| Daphne-Fairhope-Foley, AL | 13 | $ 3,775,000 | $ 290,384 | $ 153,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 4,795,000 | $ 368,846 | $ 161,000 |
| Kenosha, WI | 13 | $ 2,565,000 | $ 197,307 | $ 98,000 |
| Raleigh, NC | 13 | $ 6,585,000 | $ 506,538 | $ 178,000 |
| Wildwood-The Villages, FL | 13 | $ 3,915,000 | $ 301,153 | $ 122,000 |
| Bridgeport-Stamford-Norwalk, CT | 12 | $ 4,710,000 | $ 392,500 | $ 134,000 |
| Hot Springs, AR | 12 | $ 2,700,000 | $ 225,000 | $ 27,000 |
| Birmingham-Hoover, AL | 11 | $ 2,225,000 | $ 202,272 | $ 67,000 |
| Enid, OK | 11 | $ 1,885,000 | $ 171,363 | $ 68,000 |
| Anaheim-Santa Ana-Irvine, CA | 10 | $ 16,830,000 | $ 1,683,000 | $ 417,000 |
| Boulder, CO | 10 | $ 4,830,000 | $ 483,000 | $ 259,000 |
| Charlottesville, VA | 10 | $ 3,850,000 | $ 385,000 | $ 151,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 12,960,000 | $ 1,296,000 | $ 457,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 2,790,000 | $ 279,000 | $ 99,000 |
| Prescott Valley-Prescott, AZ | 10 | $ 4,580,000 | $ 458,000 | $ 127,000 |
| Tallahassee, FL | 10 | $ 2,580,000 | $ 258,000 | $ 111,000 |
| Charleston-North Charleston, SC | 9 | $ 4,525,000 | $ 502,777 | $ 143,000 |
| Chattanooga, TN-GA | 9 | $ 1,905,000 | $ 211,666 | $ 69,333 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 2,805,000 | $ 311,666 | $ 125,000 |
| Gainesville, GA | 9 | $ 3,125,000 | $ 347,222 | $ 143,000 |
| Madison, WI | 9 | $ 2,555,000 | $ 283,888 | $ 121,000 |
| Richmond, VA | 9 | $ 3,145,000 | $ 349,444 | $ 144,000 |
| San Antonio-New Braunfels, TX | 9 | $ 3,395,000 | $ 377,222 | $ 187,000 |
| Gainesville, FL | 8 | $ 1,770,000 | $ 221,250 | $ 97,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 8 | $ 4,590,000 | $ 573,750 | $ 576,000 |
| Mobile, AL | 8 | $ 2,220,000 | $ 277,500 | $ 81,000 |
| Dayton-Springfield-Kettering, OH | 7 | $ 1,895,000 | $ 270,714 | $ 110,000 |
| Elgin, IL | 7 | $ 1,675,000 | $ 239,285 | $ 123,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 2,175,000 | $ 310,714 | $ 143,000 |
| Racine, WI | 7 | $ 1,905,000 | $ 272,142 | $ 95,000 |
| Rockford, IL | 7 | $ 1,135,000 | $ 162,142 | $ 96,000 |
| Savannah, GA | 7 | $ 5,135,000 | $ 733,571 | $ 1,051,000 |
| York-Hanover, PA | 7 | $ 2,215,000 | $ 316,428 | $ 107,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,540,000 | $ 256,666 | $ 185,000 |
| Bangor, ME | 6 | $ 1,450,000 | $ 241,666 | $ 115,000 |
| Columbus, OH | 6 | $ 1,590,000 | $ 265,000 | $ 143,000 |
| El Paso, TX | 6 | $ 1,420,000 | $ 236,666 | $ 95,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 2,450,000 | $ 408,333 | $ 121,000 |
| Jacksonville, NC | 6 | $ 2,320,000 | $ 386,666 | $ 179,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,700,000 | $ 283,333 | $ 111,500 |
| Knoxville, TN | 6 | $ 2,360,000 | $ 393,333 | $ 80,000 |
| New Orleans-Metairie, LA | 6 | $ 1,550,000 | $ 258,333 | $ 129,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 3,140,000 | $ 523,333 | $ 234,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 3,380,000 | $ 563,333 | $ 111,000 |
| Topeka, KS | 6 | $ 1,220,000 | $ 203,333 | $ 86,000 |
| Albuquerque, NM | 5 | $ 1,795,000 | $ 359,000 | $ 125,000 |
| Ann Arbor, MI | 5 | $ 2,345,000 | $ 469,000 | $ 162,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 5 | $ 1,705,000 | $ 341,000 | $ 131,000 |
| Cleveland, OH | 5 | $ 645,000 | $ 129,000 | $ 50,000 |
| Eau Claire, WI | 5 | $ 1,075,000 | $ 215,000 | $ 59,000 |
| Fargo, ND-MN | 5 | $ 2,215,000 | $ 443,000 | $ 207,200 |
| Killeen-Temple, TX | 5 | $ 935,000 | $ 187,000 | $ 105,000 |
| Lafayette-West Lafayette, IN | 5 | $ 755,000 | $ 151,000 | $ 46,000 |
| Lancaster, PA | 5 | $ 1,475,000 | $ 295,000 | $ 211,000 |
| Longview, TX | 5 | $ 1,145,000 | $ 229,000 | $ 134,000 |
| Missoula, MT | 5 | $ 3,555,000 | $ 711,000 | $ 164,000 |
| Monroe, MI | 5 | $ 1,125,000 | $ 225,000 | $ 133,000 |
| Norwich-New London, CT | 5 | $ 1,855,000 | $ 371,000 | $ 149,000 |
| Ogden-Clearfield, UT | 5 | $ 1,095,000 | $ 219,000 | $ 49,000 |
| Salt Lake City, UT | 5 | $ 1,765,000 | $ 353,000 | $ 65,000 |
| Santa Fe, NM | 5 | $ 2,135,000 | $ 427,000 | $ 706,000 |
| Sebastian-Vero Beach, FL | 5 | $ 1,275,000 | $ 255,000 | $ 86,000 |
| Sheboygan, WI | 5 | $ 1,275,000 | $ 255,000 | $ 107,000 |
| Slidell-Mandeville-Covington, LA | 5 | $ 895,000 | $ 179,000 | $ 119,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 1,025,000 | $ 205,000 | $ 101,200 |
| Traverse City, MI | 5 | $ 2,635,000 | $ 527,000 | $ 250,000 |
| Utica-Rome, NY | 5 | $ 1,575,000 | $ 315,000 | $ 168,000 |
| Barnstable Town, MA | 4 | $ 1,840,000 | $ 460,000 | $ 55,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 780,000 | $ 195,000 | $ 86,000 |
| College Station-Bryan, TX | 4 | $ 1,150,000 | $ 287,500 | $ 140,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 2,940,000 | $ 735,000 | $ 158,000 |
| Dalton, GA | 4 | $ 830,000 | $ 207,500 | $ 143,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 260,000 | $ 65,000 | $ 90,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 1,000,000 | $ 250,000 | $ 131,000 |
| Kalamazoo-Portage, MI | 4 | $ 2,240,000 | $ 560,000 | $ 265,000 |
| Lansing-East Lansing, MI | 4 | $ 1,850,000 | $ 462,500 | $ 263,000 |
| Longview, WA | 4 | $ 1,960,000 | $ 490,000 | $ 249,000 |
| Lynchburg, VA | 4 | $ 620,000 | $ 155,000 | $ 26,000 |
| Reading, PA | 4 | $ 920,000 | $ 230,000 | $ 108,000 |
| Salem, OR | 4 | $ 2,180,000 | $ 545,000 | $ 73,000 |
| Sioux Falls, SD | 4 | $ 1,280,000 | $ 320,000 | $ 199,500 |
| Springfield, OH | 4 | $ 650,000 | $ 162,500 | $ 69,000 |
| Staunton-Waynesboro, VA | 4 | $ 640,000 | $ 160,000 | $ 49,000 |
| Toledo, OH | 4 | $ 900,000 | $ 225,000 | $ 169,000 |
| Tucson, AZ | 4 | $ 3,070,000 | $ 767,500 | $ 632,000 |
| Waterbury-Shelton, CT | 4 | $ 890,000 | $ 222,500 | $ 114,000 |
| Amarillo, TX | 3 | $ 285,000 | $ 95,000 | $ 83,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 755,000 | $ 251,666 | $ 90,333 |
| Bowling Green, KY | 3 | $ 1,045,000 | $ 348,333 | $ 112,000 |
| Columbia, MO | 3 | $ 745,000 | $ 248,333 | $ 160,000 |
| Columbia, SC | 3 | $ 335,000 | $ 111,666 | $ 48,000 |
| Durham-Chapel Hill, NC | 3 | $ 745,000 | $ 248,333 | $ 353,000 |
| Fayetteville, NC | 3 | $ 785,000 | $ 261,666 | $ 66,000 |
| Gettysburg, PA | 3 | $ 1,215,000 | $ 405,000 | $ 88,000 |
| Greensboro-High Point, NC | 3 | $ 625,000 | $ 208,333 | $ 70,000 |
| Harrisburg-Carlisle, PA | 3 | $ 1,235,000 | $ 411,666 | $ 117,000 |
| Huntsville, AL | 3 | $ 835,000 | $ 278,333 | $ 123,000 |
| Kingston, NY | 3 | $ 985,000 | $ 328,333 | $ 124,000 |
| Muncie, IN | 3 | $ 575,000 | $ 191,666 | $ 108,000 |
| Roanoke, VA | 3 | $ 845,000 | $ 281,666 | $ 116,000 |
| Springfield, MO | 3 | $ 885,000 | $ 295,000 | $ 85,000 |
| Wichita, KS | 3 | $ 485,000 | $ 161,666 | $ 113,000 |
| Abilene, TX | 2 | $ 750,000 | $ 375,000 | $ 165,000 |
| Albany, GA | 2 | $ 480,000 | $ 240,000 | $ 122,000 |
| Anchorage, AK | 2 | $ 310,000 | $ 155,000 | $ 49,000 |
| Bakersfield, CA | 2 | $ 200,000 | $ 100,000 | $ 44,000 |
| Bay City, MI | 2 | $ 590,000 | $ 295,000 | $ 128,000 |
| Billings, MT | 2 | $ 1,130,000 | $ 565,000 | $ 257,000 |
| Binghamton, NY | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Brunswick, GA | 2 | $ 760,000 | $ 380,000 | $ 282,000 |
| Columbus, GA-AL | 2 | $ 530,000 | $ 265,000 | $ 82,000 |
| Corpus Christi, TX | 2 | $ 260,000 | $ 130,000 | $ 63,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 900,000 | $ 450,000 | $ 152,000 |
| Eugene, OR | 2 | $ 570,000 | $ 285,000 | $ 147,000 |
| Flagstaff, AZ | 2 | $ 1,130,000 | $ 565,000 | $ 1,077,000 |
| Flint, MI | 2 | $ 470,000 | $ 235,000 | $ 105,000 |
| Fresno, CA | 2 | $ 540,000 | $ 270,000 | $ 93,000 |
| Glens Falls, NY | 2 | $ 450,000 | $ 225,000 | $ 101,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 520,000 | $ 260,000 | $ 162,000 |
| Joplin, MO | 2 | $ 530,000 | $ 265,000 | $ 84,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 980,000 | $ 490,000 | $ 3,574,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 870,000 | $ 435,000 | $ 143,000 |
| Lawrence, KS | 2 | $ 400,000 | $ 200,000 | $ 11,000 |
| Lubbock, TX | 2 | $ 320,000 | $ 160,000 | $ 72,000 |
| Macon-Bibb County, GA | 2 | $ 250,000 | $ 125,000 | $ 92,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 480,000 | $ 240,000 | $ 98,000 |
| Morristown, TN | 2 | $ 520,000 | $ 260,000 | $ 47,000 |
| New Haven-Milford, CT | 2 | $ 910,000 | $ 455,000 | $ 411,000 |
| Niles-Benton Harbor, MI | 2 | $ 260,000 | $ 130,000 | $ 117,000 |
| Provo-Orem, UT | 2 | $ 410,000 | $ 205,000 | $ 41,000 |
| Pueblo, CO | 2 | $ 170,000 | $ 85,000 | $ 30,000 |
| Rapid City, SD | 2 | $ 560,000 | $ 280,000 | $ 64,000 |
| Redding, CA | 2 | $ 540,000 | $ 270,000 | $ 970,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,200,000 | $ 600,000 | $ 148,000 |
| Sandusky, OH | 2 | $ 610,000 | $ 305,000 | $ 360,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 610,000 | $ 305,000 | $ 66,000 |
| State College, PA | 2 | $ 790,000 | $ 395,000 | $ 452,000 |
| Sumter, SC | 2 | $ 450,000 | $ 225,000 | $ 253,000 |
| Terre Haute, IN | 2 | $ 800,000 | $ 400,000 | $ 181,000 |
| Winchester, VA-WV | 2 | $ 720,000 | $ 360,000 | $ 125,500 |
| Winston-Salem, NC | 2 | $ 370,000 | $ 185,000 | $ 14,000 |
| Worcester, MA-CT | 2 | $ 900,000 | $ 450,000 | $ 208,000 |
| Amherst Town-Northampton, MA | 1 | $ 465,000 | $ 465,000 | $ 358,000 |
| Asheville, NC | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Athens-Clarke County, GA | 1 | $ 155,000 | $ 155,000 | $ 28,000 |
| Auburn-Opelika, AL | 1 | $ 495,000 | $ 495,000 | $ 98,000 |
| Baton Rouge, LA | 1 | $ 475,000 | $ 475,000 | $ 39,000 |
| Bend-Redmond, OR | 1 | $ 405,000 | $ 405,000 | $ 270,000 |
| Bismarck, ND | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Burlington-South Burlington, VT | 1 | $ 715,000 | $ 715,000 | $ 425,000 |
| Canton-Massillon, OH | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Casper, WY | 1 | $ 365,000 | $ 365,000 | $ 78,000 |
| Cedar Rapids, IA | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Cheyenne, WY | 1 | $ 205,000 | $ 205,000 | $ 146,000 |
| Chico, CA | 1 | $ 365,000 | $ 365,000 | $ 221,000 |
| Clarksville, TN-KY | 1 | $ 315,000 | $ 315,000 | $ 157,000 |
| Cleveland, TN | 1 | $ 145,000 | $ 145,000 | $ 22,000 |
| Coeur D'Alene, ID | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Columbus, IN | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Decatur, AL | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Des Moines-West Des Moines, IA | 1 | $ 205,000 | $ 205,000 | $ 157,000 |
| Erie, PA | 1 | $ 125,000 | $ 125,000 | $ 173,000 |
| Farmington, NM | 1 | $ 255,000 | $ 255,000 | $ 77,000 |
| Florence-Muscle Shoals, AL | 1 | $ 145,000 | $ 145,000 | $ 31,000 |
| Fond Du Lac, WI | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Fort Wayne, IN | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Gadsden, AL | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Goldsboro, NC | 1 | $ 125,000 | $ 125,000 | $ 434,000 |
| Grand Forks, ND-MN | 1 | $ 305,000 | $ 305,000 | $ 210,000 |
| Harrisonburg, VA | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Helena, MT | 1 | $ 635,000 | $ 635,000 | $ 202,000 |
| Hinesville, GA | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Houma-Thibodaux, LA | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Idaho Falls, ID | 1 | $ 135,000 | $ 135,000 | $ 24,000 |
| Iowa City, IA | 1 | $ 185,000 | $ 185,000 | $ 420,000 |
| Janesville-Beloit, WI | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Kankakee, IL | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
| Kennewick-Richland, WA | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 335,000 | $ 335,000 | $ 227,000 |
| Lafayette, LA | 1 | $ 245,000 | $ 245,000 | $ 99,000 |
| Lake Charles, LA | 1 | $ 365,000 | $ 365,000 | $ 110,000 |
| Lawton, OK | 1 | $ 295,000 | $ 295,000 | $ 62,000 |
| Lebanon, PA | 1 | $ 425,000 | $ 425,000 | $ 191,000 |
| Lewiston-Auburn, ME | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
| Lexington Park, MD | 1 | $ 395,000 | $ 395,000 | $ 123,000 |
| Mansfield, OH | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Merced, CA | 1 | $ 305,000 | $ 305,000 | $ 517,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 605,000 | $ 605,000 | $ 130,000 |
| Muskegon, MI | 1 | $ 95,000 | $ 95,000 | $ 212,000 |
| Panama City, FL | 1 | $ 175,000 | $ 175,000 | $ 239,000 |
| Peoria, IL | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 755,000 | $ 755,000 | $ 189,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 575,000 | $ 575,000 | $ 36,000 |
| San Rafael, CA | 1 | $ 1,985,000 | $ 1,985,000 | $ 813,000 |
| Sebring, FL | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Sherman-Denison, TX | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Sioux City, IA-NE-SD | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Springfield, MA | 1 | $ 285,000 | $ 285,000 | $ 66,000 |
| St. Joseph, MO-KS | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Syracuse, NY | 1 | $ 275,000 | $ 275,000 | $ 187,000 |
| Tyler, TX | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Urban Honolulu, HI | 1 | $ 115,000 | $ 115,000 | $ 157,000 |
| Valdosta, GA | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Visalia-Porterville, CA | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Walla Walla, WA | 1 | $ 415,000 | $ 415,000 | $ 133,000 |
| Wichita Falls, TX | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Williamsport, PA | 1 | $ 175,000 | $ 175,000 | $ 239,000 |
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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