Luminate Bank in Arkansas vs the state
2.3%Denial rate-15.92 pts vs state
3.1%Decision denial rate-20.00 pts vs state
70.5%Origination rate+13.62 pts vs state
6.37%Median rate-0.25 pts vs state
0.17Rate spread (pts)-0.18 pts vs state
$92kMedian applicant income
31Loans originated
1Denied
What Luminate Bank lends in Arkansas
By loan purpose
By loan type
Why it denied Arkansas applicants
Where in Arkansas
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Garland County | 12 | 8 | 0 | 0.0% |
| Pulaski County | 9 | 8 | 0 | 0.0% |
| Benton County | 5 | 4 | 0 | 0.0% |
| Saline County | 4 | 3 | 0 | 0.0% |
| Washington County | 3 | 0 | 0 | 0.0% |
| Baxter County | 3 | 3 | 0 | 0.0% |
| Faulkner County | 2 | 1 | 1 | 50.0% |
| Logan County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Clark County | 1 | 0 | 0 | 0.0% |
Other large lenders in Arkansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Arvest Bank | C | 9,748 | 14.4% | 7.00% |
| Rocket Mortgage | C | 5,854 | 20.1% | 6.63% |
| ARKANSAS Federal Credit Union | F | 4,439 | 23.6% | 7.50% |
| Vanderbilt Mortgage and Finance | F | 3,491 | 38.4% | 10.25% |
| 21st Mortgage | F | 3,250 | 46.6% | 9.69% |
| Mortgage Research Center | C | 2,767 | 18.3% | 6.25% |
| Regions Bank | C | 2,646 | 40.0% | 6.13% |
| Firsttrust Home Loans | B | 2,590 | 0.5% | 6.49% |
| United Shore Financial Services | B | 2,456 | 13.3% | 6.12% |
| Triad Financial Services | D | 2,133 | 54.2% | 8.68% |
Frequently asked questions
Arkansas: 44 applications in 2025, of which 31 were originated and 1 denied.
2.3% of all applications, or 3.1% of the applications it actually decided on. The Arkansas statewide average across all lenders was 18.2%.
The median rate on loans Luminate Bank originated in Arkansas in 2025 was 6.37%, against a statewide median of 6.63%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Arkansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology