Luminate Bank in Georgia vs the state
2.3%Denial rate-16.94 pts vs state
3.3%Decision denial rate-21.74 pts vs state
64.6%Origination rate+10.55 pts vs state
6.63%Median rate0.00 pts vs state
0.36Rate spread (pts)+0.09 pts vs state
$112kMedian applicant income
170Loans originated
6Denied
What Luminate Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 41 | 28 | 1 | 2.4% |
| DeKalb County | 32 | 21 | 0 | 0.0% |
| Floyd County | 31 | 20 | 1 | 3.2% |
| Fulton County | 22 | 12 | 0 | 0.0% |
| Gordon County | 16 | 12 | 0 | 0.0% |
| Cobb County | 10 | 7 | 1 | 10.0% |
| Hall County | 9 | 5 | 0 | 0.0% |
| Cherokee County | 8 | 4 | 0 | 0.0% |
| Forsyth County | 7 | 4 | 0 | 0.0% |
| Bartow County | 5 | 3 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 263 applications in 2025, of which 170 were originated and 6 denied.
2.3% of all applications, or 3.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Luminate Bank originated in Georgia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology