Luminate Bank in Colorado vs the state
2.6%Denial rate-13.08 pts vs state
3.5%Decision denial rate-16.13 pts vs state
69.4%Origination rate+9.33 pts vs state
6.49%Median rate-0.13 pts vs state
0.19Rate spread (pts)+0.04 pts vs state
$123kMedian applicant income
543Loans originated
20Denied
What Luminate Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 125 | 90 | 7 | 5.6% |
| Arapahoe County | 113 | 85 | 2 | 1.8% |
| Jefferson County | 90 | 61 | 1 | 1.1% |
| Denver County | 88 | 60 | 0 | 0.0% |
| Douglas County | 79 | 52 | 3 | 3.8% |
| Mesa County | 61 | 46 | 0 | 0.0% |
| Weld County | 58 | 38 | 2 | 3.4% |
| El Paso County | 29 | 21 | 0 | 0.0% |
| Larimer County | 29 | 25 | 1 | 3.4% |
| Garfield County | 20 | 9 | 1 | 5.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 783 applications in 2025, of which 543 were originated and 20 denied.
2.6% of all applications, or 3.5% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Luminate Bank originated in Colorado in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology