Luminate Home Loans, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Luminate Home Loans, Inc. of Minneapolis, MN reported 1,290 mortgage applications totaling $457.2 million, down 90% from 2024. The average application was for $354,403, and applicants reported an average income of $157,463. 66% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (170), Denver-Aurora-Lakewood, CO (64) and Indianapolis-Carmel-Anderson, IN (39) (applications in parentheses).
| Mortgage Company & Address | Luminate Home Loans, Inc. 2523 Wayzata Blvd Suite 200 Minneapolis, MN 55405 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 1,290 |
| Total Mortgage Loan Application Amount | $457,180,000 |
| Average Mortgage Loan Application Amount | $354,403 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $157,463 |
| Highest Applicant Income | $1,971,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Luminate Home Loans, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 63 | $ 26,365,000 | $ 418,492 | $ 199,000 |
| Marion, Indiana | 31 | $ 4,865,000 | $ 156,935 | $ 114,000 |
| Clark, Nevada | 21 | $ 10,045,000 | $ 478,333 | $ 292,000 |
| Ramsey, Minnesota | 20 | $ 4,970,000 | $ 248,500 | $ 261,000 |
| Adams, Colorado | 19 | $ 9,455,000 | $ 497,631 | $ 206,000 |
| Oklahoma, Oklahoma | 19 | $ 5,075,000 | $ 267,105 | $ 140,000 |
| San Diego, California | 18 | $ 14,040,000 | $ 780,000 | $ 341,000 |
| Lee, Florida | 18 | $ 7,850,000 | $ 436,111 | $ 357,000 |
| Dakota, Minnesota | 17 | $ 4,905,000 | $ 288,529 | $ 119,000 |
| Mohave, Arizona | 16 | $ 3,640,000 | $ 227,500 | $ 125,000 |
| Cook, Illinois | 16 | $ 5,740,000 | $ 358,750 | $ 118,000 |
| Anoka, Minnesota | 16 | $ 5,500,000 | $ 343,750 | $ 144,000 |
| Greenville, South Carolina | 16 | $ 5,630,000 | $ 351,875 | $ 133,000 |
| Kent, Delaware | 15 | $ 4,095,000 | $ 273,000 | $ 66,000 |
| Sussex, Delaware | 14 | $ 4,260,000 | $ 304,285 | $ 139,000 |
| Maricopa, Arizona | 13 | $ 8,095,000 | $ 622,692 | $ 222,000 |
| Humboldt, California | 13 | $ 4,935,000 | $ 379,615 | $ 118,000 |
| Jefferson, Colorado | 13 | $ 6,835,000 | $ 525,769 | $ 204,000 |
| Fayette, Kentucky | 13 | $ 3,515,000 | $ 270,384 | $ 124,000 |
| Blue Earth, Minnesota | 13 | $ 2,175,000 | $ 167,307 | $ 80,000 |
| Washington, Minnesota | 13 | $ 4,885,000 | $ 375,769 | $ 138,000 |
| Tulsa, Oklahoma | 13 | $ 3,585,000 | $ 275,769 | $ 208,000 |
| Pierce, Washington | 12 | $ 5,560,000 | $ 463,333 | $ 135,000 |
| Saline, Arkansas | 11 | $ 2,645,000 | $ 240,454 | $ 109,000 |
| Arapahoe, Colorado | 11 | $ 4,595,000 | $ 417,727 | $ 171,000 |
| Manatee, Florida | 11 | $ 4,055,000 | $ 368,636 | $ 143,000 |
| Harris, Texas | 11 | $ 2,765,000 | $ 251,363 | $ 98,000 |
| Denver, Colorado | 10 | $ 4,370,000 | $ 437,000 | $ 187,000 |
| New Castle, Delaware | 10 | $ 3,330,000 | $ 333,000 | $ 118,000 |
| Sarasota, Florida | 10 | $ 3,280,000 | $ 328,000 | $ 170,000 |
| Vanderburgh, Indiana | 10 | $ 1,240,000 | $ 124,000 | $ 61,000 |
| Jackson, Missouri | 10 | $ 2,410,000 | $ 241,000 | $ 95,000 |
| Riverside, California | 9 | $ 5,375,000 | $ 597,222 | $ 159,000 |
| Weld, Colorado | 9 | $ 4,095,000 | $ 455,000 | $ 160,000 |
| Lake, Indiana | 9 | $ 2,625,000 | $ 291,666 | $ 136,000 |
| Multnomah, Oregon | 9 | $ 3,855,000 | $ 428,333 | $ 133,000 |
| Tarrant, Texas | 9 | $ 3,385,000 | $ 376,111 | $ 168,000 |
| Los Angeles, California | 8 | $ 5,270,000 | $ 658,750 | $ 256,000 |
| Orange, Florida | 8 | $ 3,960,000 | $ 495,000 | $ 328,000 |
| Kenton, Kentucky | 8 | $ 1,700,000 | $ 212,500 | $ 73,000 |
| Scott, Minnesota | 8 | $ 3,930,000 | $ 491,250 | $ 176,000 |
| Douglas, Colorado | 7 | $ 4,715,000 | $ 673,571 | $ 149,000 |
| Marion, Florida | 7 | $ 1,545,000 | $ 220,714 | $ 68,000 |
| Howard, Indiana | 7 | $ 1,315,000 | $ 187,857 | $ 72,000 |
| Isanti, Minnesota | 7 | $ 1,815,000 | $ 259,285 | $ 85,000 |
| Wright, Minnesota | 7 | $ 2,355,000 | $ 336,428 | $ 112,000 |
| Hamilton, Ohio | 7 | $ 2,045,000 | $ 292,142 | $ 94,000 |
| Washington, Oregon | 7 | $ 2,875,000 | $ 410,714 | $ 103,000 |
| Orleans, Vermont | 7 | $ 995,000 | $ 142,142 | $ 76,000 |
| Brown, Wisconsin | 7 | $ 1,395,000 | $ 199,285 | $ 90,000 |
| Pinellas, Florida | 6 | $ 2,130,000 | $ 355,000 | $ 172,000 |
| Scott, Kentucky | 6 | $ 1,700,000 | $ 283,333 | $ 113,000 |
| Merrimack, New Hampshire | 6 | $ 2,020,000 | $ 336,666 | $ 124,000 |
| Strafford, New Hampshire | 6 | $ 1,990,000 | $ 331,666 | $ 147,000 |
| Montgomery, Ohio | 6 | $ 760,000 | $ 126,666 | $ 65,000 |
| Spartanburg, South Carolina | 6 | $ 2,010,000 | $ 335,000 | $ 98,000 |
| Milwaukee, Wisconsin | 6 | $ 1,640,000 | $ 273,333 | $ 99,000 |
| Pierce, Wisconsin | 6 | $ 4,290,000 | $ 715,000 | $ 363,000 |
| Pope, Arkansas | 5 | $ 975,000 | $ 195,000 | $ 86,000 |
| Larimer, Colorado | 5 | $ 2,295,000 | $ 459,000 | $ 110,000 |
| Lake, Florida | 5 | $ 1,615,000 | $ 323,000 | $ 107,000 |
| Porter, Indiana | 5 | $ 1,665,000 | $ 333,000 | $ 107,000 |
| Daviess, Kentucky | 5 | $ 715,000 | $ 143,000 | $ 57,000 |
| Carver, Minnesota | 5 | $ 1,945,000 | $ 389,000 | $ 187,000 |
| Crow Wing, Minnesota | 5 | $ 785,000 | $ 157,000 | $ 105,000 |
| Waseca, Minnesota | 5 | $ 455,000 | $ 91,000 | $ 87,000 |
| Hillsborough, New Hampshire | 5 | $ 1,675,000 | $ 335,000 | $ 110,000 |
| New Hanover, North Carolina | 5 | $ 2,205,000 | $ 441,000 | $ 380,000 |
| Canadian, Oklahoma | 5 | $ 1,315,000 | $ 263,000 | $ 129,000 |
| Shelby, Tennessee | 5 | $ 1,395,000 | $ 279,000 | $ 172,000 |
| Chambers, Texas | 5 | $ 1,845,000 | $ 369,000 | $ 168,000 |
| Iron, Utah | 5 | $ 2,445,000 | $ 489,000 | $ 150,000 |
| Caledonia, Vermont | 5 | $ 1,175,000 | $ 235,000 | $ 99,000 |
| King, Washington | 5 | $ 3,485,000 | $ 697,000 | $ 351,000 |
| Waukesha, Wisconsin | 5 | $ 1,875,000 | $ 375,000 | $ 135,000 |
| Washington, Arkansas | 4 | $ 1,270,000 | $ 317,500 | $ 214,000 |
| Sacramento, California | 4 | $ 2,280,000 | $ 570,000 | $ 284,000 |
| San Bernardino, California | 4 | $ 1,950,000 | $ 487,500 | $ 175,000 |
| Santa Clara, California | 4 | $ 2,680,000 | $ 670,000 | $ 294,000 |
| Ventura, California | 4 | $ 2,600,000 | $ 650,000 | $ 184,000 |
| Boulder, Colorado | 4 | $ 2,010,000 | $ 502,500 | $ 197,000 |
| Charlotte, Florida | 4 | $ 960,000 | $ 240,000 | $ 127,000 |
| Hillsborough, Florida | 4 | $ 2,380,000 | $ 595,000 | $ 241,000 |
| Warrick, Indiana | 4 | $ 940,000 | $ 235,000 | $ 108,000 |
| York, Maine | 4 | $ 1,750,000 | $ 437,500 | $ 223,000 |
| Macomb, Michigan | 4 | $ 760,000 | $ 190,000 | $ 67,000 |
| Rice, Minnesota | 4 | $ 1,140,000 | $ 285,000 | $ 75,000 |
| Washoe, Nevada | 4 | $ 2,010,000 | $ 502,500 | $ 198,000 |
| Rockingham, New Hampshire | 4 | $ 1,370,000 | $ 342,500 | $ 157,000 |
| Middlesex, New Jersey | 4 | $ 1,120,000 | $ 280,000 | $ 159,000 |
| Cleveland, Oklahoma | 4 | $ 780,000 | $ 195,000 | $ 130,000 |
| Denton, Texas | 4 | $ 2,320,000 | $ 580,000 | $ 247,000 |
| Parker, Texas | 4 | $ 960,000 | $ 240,000 | $ 122,000 |
| Waller, Texas | 4 | $ 2,570,000 | $ 642,500 | $ 393,000 |
| Salt Lake, Utah | 4 | $ 2,740,000 | $ 685,000 | $ 171,000 |
| Chittenden, Vermont | 4 | $ 1,600,000 | $ 400,000 | $ 112,000 |
| Racine, Wisconsin | 4 | $ 1,180,000 | $ 295,000 | $ 145,000 |
| Baldwin, Alabama | 3 | $ 1,345,000 | $ 448,333 | $ 193,000 |
| Pinal, Arizona | 3 | $ 835,000 | $ 278,333 | $ 88,000 |
| Sutter, California | 3 | $ 915,000 | $ 305,000 | $ 88,000 |
| Yuba, California | 3 | $ 1,475,000 | $ 491,666 | $ 130,000 |
| Elbert, Colorado | 3 | $ 1,325,000 | $ 441,666 | $ 79,000 |
| Routt, Colorado | 3 | $ 1,405,000 | $ 468,333 | $ 116,000 |
| Hernando, Florida | 3 | $ 495,000 | $ 165,000 | $ 60,000 |
| Sumter, Florida | 3 | $ 925,000 | $ 308,333 | $ 257,000 |
| Volusia, Florida | 3 | $ 1,175,000 | $ 391,666 | $ 332,000 |
| Gibson, Indiana | 3 | $ 705,000 | $ 235,000 | $ 103,000 |
| Hendricks, Indiana | 3 | $ 605,000 | $ 201,666 | $ 101,000 |
| Anne Arundel, Maryland | 3 | $ 1,285,000 | $ 428,333 | $ 145,000 |
| Charles, Maryland | 3 | $ 1,205,000 | $ 401,666 | $ 152,000 |
| Howard, Maryland | 3 | $ 3,155,000 | $ 1,051,666 | $ 367,000 |
| Wicomico, Maryland | 3 | $ 685,000 | $ 228,333 | $ 89,000 |
| Worcester, Maryland | 3 | $ 1,115,000 | $ 371,666 | $ 202,000 |
| Cass, Minnesota | 3 | $ 1,505,000 | $ 501,666 | $ 264,000 |
| Chisago, Minnesota | 3 | $ 1,175,000 | $ 391,666 | $ 142,000 |
| Sherburne, Minnesota | 3 | $ 1,095,000 | $ 365,000 | $ 117,000 |
| Stearns, Minnesota | 3 | $ 975,000 | $ 325,000 | $ 128,000 |
| Madison, Mississippi | 3 | $ 1,475,000 | $ 491,666 | $ 257,000 |
| Rankin, Mississippi | 3 | $ 445,000 | $ 148,333 | $ 72,000 |
| Cass, Missouri | 3 | $ 1,795,000 | $ 598,333 | $ 218,000 |
| Douglas, Nebraska | 3 | $ 685,000 | $ 228,333 | $ 75,000 |
| Butler, Ohio | 3 | $ 745,000 | $ 248,333 | $ 125,000 |
| Wagoner, Oklahoma | 3 | $ 555,000 | $ 185,000 | $ 118,000 |
| Kitsap, Washington | 3 | $ 1,755,000 | $ 585,000 | $ 202,000 |
| Snohomish, Washington | 3 | $ 1,345,000 | $ 448,333 | $ 131,000 |
| Jefferson, Alabama | 2 | $ 260,000 | $ 130,000 | $ 75,000 |
| Pulaski, Arkansas | 2 | $ 670,000 | $ 335,000 | $ 191,000 |
| Orange, California | 2 | $ 2,840,000 | $ 1,420,000 | $ 419,000 |
| Tehama, California | 2 | $ 500,000 | $ 250,000 | $ 116,000 |
| El Paso, Colorado | 2 | $ 1,280,000 | $ 640,000 | $ 415,000 |
| District of Columbia, District Of Columbia | 2 | $ 1,860,000 | $ 930,000 | $ 270,000 |
| Broward, Florida | 2 | $ 790,000 | $ 395,000 | $ 138,000 |
| Gilchrist, Florida | 2 | $ 110,000 | $ 55,000 | $ 46,000 |
| Hendry, Florida | 2 | $ 340,000 | $ 170,000 | $ 105,000 |
| Seminole, Florida | 2 | $ 1,180,000 | $ 590,000 | $ 174,000 |
| Wakulla, Florida | 2 | $ 230,000 | $ 115,000 | $ 95,000 |
| DuPage, Illinois | 2 | $ 340,000 | $ 170,000 | $ 92,000 |
| Lake, Illinois | 2 | $ 420,000 | $ 210,000 | $ 98,000 |
| Macoupin, Illinois | 2 | $ 440,000 | $ 220,000 | $ 106,000 |
| Will, Illinois | 2 | $ 700,000 | $ 350,000 | $ 156,000 |
| Clark, Indiana | 2 | $ 290,000 | $ 145,000 | $ 125,000 |
| Madison, Indiana | 2 | $ 240,000 | $ 120,000 | $ 76,000 |
| Miami, Indiana | 2 | $ 240,000 | $ 120,000 | $ 61,000 |
| Monroe, Indiana | 2 | $ 210,000 | $ 105,000 | $ 145,000 |
| Pike, Indiana | 2 | $ 260,000 | $ 130,000 | $ 100,000 |
| Johnson, Kansas | 2 | $ 1,360,000 | $ 680,000 | $ 165,000 |
| Riley, Kansas | 2 | $ 280,000 | $ 140,000 | $ 147,000 |
| Campbell, Kentucky | 2 | $ 260,000 | $ 130,000 | $ 84,000 |
| Hopkins, Kentucky | 2 | $ 360,000 | $ 180,000 | $ 56,000 |
| Jefferson, Kentucky | 2 | $ 370,000 | $ 185,000 | $ 148,000 |
| Powell, Kentucky | 2 | $ 320,000 | $ 160,000 | $ 48,000 |
| Calcasieu, Louisiana | 2 | $ 100,000 | $ 50,000 | $ 315,000 |
| Jefferson, Louisiana | 2 | $ 320,000 | $ 160,000 | $ 101,000 |
| St. Tammany, Louisiana | 2 | $ 440,000 | $ 220,000 | $ 109,000 |
| Carroll, Maryland | 2 | $ 610,000 | $ 305,000 | $ 117,000 |
| Montgomery, Maryland | 2 | $ 880,000 | $ 440,000 | $ 135,000 |
| Somerset, Maryland | 2 | $ 240,000 | $ 120,000 | $ 50,000 |
| Wayne, Michigan | 2 | $ 390,000 | $ 195,000 | $ 80,000 |
| Morrison, Minnesota | 2 | $ 550,000 | $ 275,000 | $ 74,000 |
| Pine, Minnesota | 2 | $ 580,000 | $ 290,000 | $ 134,000 |
| Redwood, Minnesota | 2 | $ 110,000 | $ 55,000 | $ 36,000 |
| Lafayette, Mississippi | 2 | $ 440,000 | $ 220,000 | $ 112,000 |
| Johnson, Missouri | 2 | $ 770,000 | $ 385,000 | $ 128,000 |
| St. Louis City, Missouri | 2 | $ 510,000 | $ 255,000 | $ 91,000 |
| Sarpy, Nebraska | 2 | $ 340,000 | $ 170,000 | $ 88,000 |
| Grafton, New Hampshire | 2 | $ 510,000 | $ 255,000 | $ 125,000 |
| Brunswick, North Carolina | 2 | $ 1,100,000 | $ 550,000 | $ 207,000 |
| Iredell, North Carolina | 2 | $ 230,000 | $ 115,000 | $ 67,000 |
| Mecklenburg, North Carolina | 2 | $ 1,920,000 | $ 960,000 | $ 360,000 |
| Union, North Carolina | 2 | $ 540,000 | $ 270,000 | $ 91,000 |
| Greene, Ohio | 2 | $ 540,000 | $ 270,000 | $ 122,000 |
| Creek, Oklahoma | 2 | $ 460,000 | $ 230,000 | $ 130,000 |
| Garfield, Oklahoma | 2 | $ 270,000 | $ 135,000 | $ 74,000 |
| Clackamas, Oregon | 2 | $ 870,000 | $ 435,000 | $ 155,000 |
| Allegheny, Pennsylvania | 2 | $ 800,000 | $ 400,000 | $ 191,000 |
| Pickens, South Carolina | 2 | $ 730,000 | $ 365,000 | $ 98,000 |
| Madison, Tennessee | 2 | $ 530,000 | $ 265,000 | $ 65,000 |
| Wilson, Tennessee | 2 | $ 870,000 | $ 435,000 | $ 146,000 |
| Brazos, Texas | 2 | $ 340,000 | $ 170,000 | $ 176,000 |
| Cherokee, Texas | 2 | $ 100,000 | $ 50,000 | $ 50,000 |
| Fort Bend, Texas | 2 | $ 680,000 | $ 340,000 | $ 166,000 |
| Hays, Texas | 2 | $ 910,000 | $ 455,000 | $ 179,000 |
| Travis, Texas | 2 | $ 990,000 | $ 495,000 | $ 83,000 |
| Franklin, Vermont | 2 | $ 760,000 | $ 380,000 | $ 327,000 |
| Windham, Vermont | 2 | $ 700,000 | $ 350,000 | $ 107,000 |
| Fairfax, Virginia | 2 | $ 1,180,000 | $ 590,000 | $ 251,000 |
| Loudoun, Virginia | 2 | $ 1,560,000 | $ 780,000 | $ 206,000 |
| Thurston, Washington | 2 | $ 710,000 | $ 355,000 | $ 132,000 |
| Waupaca, Wisconsin | 2 | $ 330,000 | $ 165,000 | $ 60,000 |
| Colbert, Alabama | 1 | $ 145,000 | $ 145,000 | $ 33,000 |
| Coconino, Arizona | 1 | $ 305,000 | $ 305,000 | $ 200,000 |
| Pima, Arizona | 1 | $ 405,000 | $ 405,000 | $ 160,000 |
| Baxter, Arkansas | 1 | $ 155,000 | $ 155,000 | $ 206,000 |
| Benton, Arkansas | 1 | $ 355,000 | $ 355,000 | $ 122,000 |
| Conway, Arkansas | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Garland, Arkansas | 1 | $ 95,000 | $ 95,000 | $ 64,000 |
| Hot Spring, Arkansas | 1 | $ 325,000 | $ 325,000 | $ 210,000 |
| Yell, Arkansas | 1 | $ 265,000 | $ 265,000 | $ 137,000 |
| Butte, California | 1 | $ 435,000 | $ 435,000 | $ 96,000 |
| Calaveras, California | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Contra Costa, California | 1 | $ 765,000 | $ 765,000 | $ 352,000 |
| Glenn, California | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Kern, California | 1 | $ 415,000 | $ 415,000 | $ 128,000 |
| Madera, California | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Merced, California | 1 | $ 185,000 | $ 185,000 | $ 1,000 |
| Santa Barbara, California | 1 | $ 605,000 | $ 605,000 | $ 286,000 |
| Solano, California | 1 | $ 605,000 | $ 605,000 | $ 197,000 |
| Yolo, California | 1 | $ 875,000 | $ 875,000 | $ 199,000 |
| Broomfield, Colorado | 1 | $ 445,000 | $ 445,000 | $ 133,000 |
| Chaffee, Colorado | 1 | $ 715,000 | $ 715,000 | $ 257,000 |
| Montrose, Colorado | 1 | $ 205,000 | $ 205,000 | $ 197,000 |
| Summit, Colorado | 1 | $ 465,000 | $ 465,000 | $ 141,000 |
| South Central Connecticut Planning Region, Connecticut | 1 | $ 185,000 | $ 185,000 | $ 274,000 |
| Bay, Florida | 1 | $ 575,000 | $ 575,000 | $ 236,000 |
| Citrus, Florida | 1 | $ 415,000 | $ 415,000 | $ 166,000 |
| Clay, Florida | 1 | $ 295,000 | $ 295,000 | $ 204,000 |
| Collier, Florida | 1 | $ 435,000 | $ 435,000 | $ 105,000 |
| Duval, Florida | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Osceola, Florida | 1 | $ 295,000 | $ 295,000 | $ 135,000 |
| Palm Beach, Florida | 1 | $ 525,000 | $ 525,000 | $ 110,000 |
| Polk, Florida | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| St. Lucie, Florida | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Union, Florida | 1 | $ 285,000 | $ 285,000 | $ 102,000 |
| Walton, Florida | 1 | $ 385,000 | $ 385,000 | $ 132,000 |
| Catoosa, Georgia | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| DeKalb, Georgia | 1 | $ 725,000 | $ 725,000 | $ 216,000 |
| Gwinnett, Georgia | 1 | $ 275,000 | $ 275,000 | $ 384,000 |
| Troup, Georgia | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Walton, Georgia | 1 | $ 435,000 | $ 435,000 | $ 110,000 |
| Boone, Illinois | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Kendall, Illinois | 1 | $ 405,000 | $ 405,000 | $ 244,000 |
| Macon, Illinois | 1 | $ 805,000 | $ 805,000 | $ 1,295,000 |
| McHenry, Illinois | 1 | $ 325,000 | $ 325,000 | $ 97,000 |
| Winnebago, Illinois | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Cass, Indiana | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Dubois, Indiana | 1 | $ 145,000 | $ 145,000 | $ 81,000 |
| Grant, Indiana | 1 | $ 465,000 | $ 465,000 | $ 156,000 |
| Hamilton, Indiana | 1 | $ 445,000 | $ 445,000 | $ 154,000 |
| Hancock, Indiana | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Harrison, Indiana | 1 | $ 505,000 | $ 505,000 | $ 714,000 |
| Jackson, Indiana | 1 | $ 165,000 | $ 165,000 | $ 97,000 |
| LaPorte, Indiana | 1 | $ 275,000 | $ 275,000 | $ 145,000 |
| Shelby, Indiana | 1 | $ 215,000 | $ 215,000 | $ 43,000 |
| Washington, Indiana | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| White, Indiana | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Pottawattamie, Iowa | 1 | $ 405,000 | $ 405,000 | $ 116,000 |
| Montgomery, Kansas | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Boone, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 165,000 |
| Bourbon, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Clark, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Estill, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Fleming, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Franklin, Kentucky | 1 | $ 375,000 | $ 375,000 | $ 115,000 |
| Graves, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Jessamine, Kentucky | 1 | $ 455,000 | $ 455,000 | $ 240,000 |
| Madison, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Mercer, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Montgomery, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Webster, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Orleans, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| St. Bernard, Louisiana | 1 | $ 135,000 | $ 135,000 | $ 158,000 |
| Baltimore City, Maryland | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Dorchester, Maryland | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Prince George's, Maryland | 1 | $ 295,000 | $ 295,000 | $ 454,000 |
| Queen Anne's, Maryland | 1 | $ 455,000 | $ 455,000 | $ 168,000 |
| Barnstable, Massachusetts | 1 | $ 445,000 | $ 445,000 | $ 139,000 |
| Middlesex, Massachusetts | 1 | $ 45,000 | $ 45,000 | $ 633,000 |
| Eaton, Michigan | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Grand Traverse, Michigan | 1 | $ 165,000 | $ 165,000 | $ 189,000 |
| Kent, Michigan | 1 | $ 305,000 | $ 305,000 | $ 180,000 |
| Aitkin, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Douglas, Minnesota | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Goodhue, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 48,000 |
| Lyon, Minnesota | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| McLeod, Minnesota | 1 | $ 285,000 | $ 285,000 | $ 91,000 |
| Mille Lacs, Minnesota | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Nicollet, Minnesota | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Olmsted, Minnesota | 1 | $ 565,000 | $ 565,000 | $ 317,000 |
| Renville, Minnesota | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| St. Louis, Minnesota | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Steele, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Covington, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 90,000 |
| DeSoto, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 42,000 |
| Lee, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Panola, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 115,000 |
| Prentiss, Mississippi | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Barry, Missouri | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Benton, Missouri | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Cape Girardeau, Missouri | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Clay, Missouri | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Lake, Montana | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Washington, Nebraska | 1 | $ 645,000 | $ 645,000 | $ 206,000 |
| Cheshire, New Hampshire | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Coos, New Hampshire | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Sullivan, New Hampshire | 1 | $ 585,000 | $ 585,000 | $ 206,000 |
| Burlington, New Jersey | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Hudson, New Jersey | 1 | $ 1,125,000 | $ 1,125,000 | $ 477,000 |
| Mercer, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 101,000 |
| Bernalillo, New Mexico | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Dona Ana, New Mexico | 1 | $ 265,000 | $ 265,000 | $ 192,000 |
| Cumberland, North Carolina | 1 | $ 95,000 | $ 95,000 | $ 136,000 |
| Edgecombe, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Harnett, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 83,000 |
| Nash, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 171,000 |
| Onslow, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Clermont, Ohio | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Clinton, Ohio | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| Cuyahoga, Ohio | 1 | $ 285,000 | $ 285,000 | $ 48,000 |
| Darke, Ohio | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Stark, Ohio | 1 | $ 215,000 | $ 215,000 | $ 52,000 |
| Summit, Ohio | 1 | $ 465,000 | $ 465,000 | $ 180,000 |
| Warren, Ohio | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
| Wood, Ohio | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Caddo, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Comanche, Oklahoma | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Kingfisher, Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Logan, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
| Muskogee, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 47,000 |
| Okfuskee, Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 109,000 |
| Rogers, Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 91,000 |
| Coos, Oregon | 1 | $ 155,000 | $ 155,000 | $ 52,000 |
| Deschutes, Oregon | 1 | $ 465,000 | $ 465,000 | $ 274,000 |
| Jackson, Oregon | 1 | $ 805,000 | $ 805,000 | $ 487,000 |
| Bucks, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Lebanon, Pennsylvania | 1 | $ 865,000 | $ 865,000 | $ 600,000 |
| Philadelphia, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 521,000 |
| Newport, Rhode Island | 1 | $ 135,000 | $ 135,000 | $ 168,000 |
| Anderson, South Carolina | 1 | $ 625,000 | $ 625,000 | $ 240,000 |
| Beaufort, South Carolina | 1 | $ 1,045,000 | $ 1,045,000 | $ 363,000 |
| Laurens, South Carolina | 1 | $ 305,000 | $ 305,000 | $ 61,000 |
| York, South Carolina | 1 | $ 475,000 | $ 475,000 | $ 150,000 |
| Minnehaha, South Dakota | 1 | $ 355,000 | $ 355,000 | $ 254,000 |
| Davidson, Tennessee | 1 | $ 465,000 | $ 465,000 | $ 140,000 |
| Knox, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| Sevier, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 185,000 |
| Tipton, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Austin, Texas | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Bexar, Texas | 1 | $ 195,000 | $ 195,000 | $ 1,005,000 |
| Brazoria, Texas | 1 | $ 415,000 | $ 415,000 | $ 120,000 |
| Burnet, Texas | 1 | $ 385,000 | $ 385,000 | $ 160,000 |
| Collin, Texas | 1 | $ 385,000 | $ 385,000 | $ 153,000 |
| Dallas, Texas | 1 | $ 515,000 | $ 515,000 | $ 279,000 |
| Ellis, Texas | 1 | $ 365,000 | $ 365,000 | $ 159,000 |
| Galveston, Texas | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Johnson, Texas | 1 | $ 275,000 | $ 275,000 | $ 218,000 |
| Kaufman, Texas | 1 | $ 285,000 | $ 285,000 | $ 149,000 |
| Kendall, Texas | 1 | $ 335,000 | $ 335,000 | $ 129,000 |
| Wise, Texas | 1 | $ 395,000 | $ 395,000 | $ 247,000 |
| Box Elder, Utah | 1 | $ 385,000 | $ 385,000 | $ 64,000 |
| Summit, Utah | 1 | $ 675,000 | $ 675,000 | $ 170,000 |
| Washington, Utah | 1 | $ 785,000 | $ 785,000 | $ 717,000 |
| Lamoille, Vermont | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Orange, Vermont | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Alexandria, Virginia | 1 | $ 1,335,000 | $ 1,335,000 | $ 358,000 |
| Arlington, Virginia | 1 | $ 375,000 | $ 375,000 | $ 193,000 |
| Fairfax City, Virginia | 1 | $ 565,000 | $ 565,000 | $ 325,000 |
| Greene, Virginia | 1 | $ 475,000 | $ 475,000 | $ 90,000 |
| Middlesex, Virginia | 1 | $ 625,000 | $ 625,000 | $ 361,000 |
| Nelson, Virginia | 1 | $ 325,000 | $ 325,000 | $ 83,000 |
| Newport News, Virginia | 1 | $ 355,000 | $ 355,000 | $ 87,000 |
| Portsmouth, Virginia | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Prince William, Virginia | 1 | $ 365,000 | $ 365,000 | $ 109,000 |
| Richmond City, Virginia | 1 | $ 305,000 | $ 305,000 | $ 72,000 |
| Suffolk, Virginia | 1 | $ 295,000 | $ 295,000 | $ 107,000 |
| Virginia Beach, Virginia | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Benton, Washington | 1 | $ 465,000 | $ 465,000 | $ 153,000 |
| Clark, Washington | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Cowlitz, Washington | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Jefferson, Washington | 1 | $ 255,000 | $ 255,000 | $ 58,000 |
| Kittitas, Washington | 1 | $ 425,000 | $ 425,000 | $ 95,000 |
| Lewis, Washington | 1 | $ 465,000 | $ 465,000 | $ 131,000 |
| Calumet, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Dane, Wisconsin | 1 | $ 705,000 | $ 705,000 | $ 239,000 |
| Kenosha, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Oneida, Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 166,000 |
| Outagamie, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 35,000 |
| Rock, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| St. Croix, Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 216,000 |
| Trempealeau, Wisconsin | 1 | $ 345,000 | $ 345,000 | $ 88,000 |
| Walworth, Wisconsin | 1 | $ 415,000 | $ 415,000 | $ 152,000 |
| Winnebago, Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Luminate Home Loans, Inc. 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 | 1,033 | $356,885,000 | $345,000 | $3,605,000 | $150,000 | $1,971,000 |
| Refinancing | 134 | $62,280,000 | $464,000 | $1,835,000 | $209,000 | $1,774,000 |
| Cash-out Refinancing | 123 | $38,015,000 | $309,000 | $1,475,000 | $164,000 | $1,295,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 822 | $291,300,000 | $354,000 | $2,705,000 | $163,000 | $1,971,000 |
| Not Provided | 154 | $62,010,000 | $402,000 | $3,605,000 | $179,000 | $1,969,000 |
| Hispanic | 149 | $47,065,000 | $315,000 | $1,605,000 | $131,000 | $1,005,000 |
| Black or African American | 85 | $24,825,000 | $292,000 | $965,000 | $106,000 | $548,000 |
| Asian | 64 | $26,410,000 | $412,000 | $1,125,000 | $171,000 | $633,000 |
| American Indian or Alaskan Native | 14 | $4,910,000 | $350,000 | $1,265,000 | $158,000 | $533,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $660,000 | $330,000 | $505,000 | $140,000 | $195,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 893 | $327,035,000 | $366,000 | $3,605,000 | $181,000 | $1,971,000 |
| FHA-insured (Federal Housing Administration) | 292 | $85,320,000 | $292,000 | $735,000 | $98,000 | $288,000 |
| VA-guaranteed (Veterans Administration) | 93 | $42,625,000 | $458,000 | $1,335,000 | $129,000 | $563,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,200,000 | $183,000 | $285,000 | $73,000 | $100,000 |
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 | 846 | $297,680,000 | $351,000 | $2,705,000 | $156,000 | $1,969,000 |
| Application Withdrawn By Applicant | 377 | $137,035,000 | $363,000 | $3,605,000 | $166,000 | $1,971,000 |
| Application Denied By Financial Institution | 41 | $13,055,000 | $318,000 | $1,005,000 | $111,000 | $337,000 |
| Application Approved But Not Accepted | 16 | $5,740,000 | $358,000 | $1,065,000 | $205,000 | $1,622,000 |
| Preapproval Approved but not Accepted | 8 | $3,260,000 | $407,000 | $1,035,000 | $138,000 | $410,000 |
| Preapproval Denied by Financial Institution | 1 | $275,000 | $275,000 | $275,000 | $78,000 | $78,000 |
| Loan Purchased By The Institution | 1 | $135,000 | $135,000 | $135,000 | $48,000 | $48,000 |
| File Closed For Incompleteness | 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 | 1,248 | $443,850,000 | $355,000 | $3,605,000 | $159,000 | $1,971,000 |
| Collateral | 17 | $4,545,000 | $267,000 | $755,000 | $124,000 | $268,000 |
| Debt-To-Income Ratio | 10 | $3,660,000 | $366,000 | $655,000 | $91,000 | $192,000 |
| Credit History | 5 | $885,000 | $177,000 | $295,000 | $77,000 | $146,000 |
| Other | 3 | $1,655,000 | $551,000 | $1,005,000 | $230,000 | $337,000 |
| Unverifiable Information | 3 | $1,545,000 | $515,000 | $695,000 | $43,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $845,000 | $281,000 | $355,000 | $109,000 | $145,000 |
| Employment History | 1 | $195,000 | $195,000 | $195,000 | $71,000 | $71,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Luminate Home Loans, Inc.'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 Home Loans, Inc.'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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