Luminate Bank in Kansas vs the state
2.6%Denial rate-12.42 pts vs state
3.7%Decision denial rate-14.62 pts vs state
68.7%Origination rate+4.88 pts vs state
6.75%Median rate+0.13 pts vs state
0.62Rate spread (pts)+0.32 pts vs state
$87kMedian applicant income
79Loans originated
3Denied
What Luminate Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Riley County | 21 | 19 | 0 | 0.0% |
| Pottawatomie County | 18 | 11 | 1 | 5.6% |
| Johnson County | 14 | 8 | 0 | 0.0% |
| Cowley County | 14 | 8 | 1 | 7.1% |
| Saline County | 8 | 7 | 0 | 0.0% |
| Geary County | 7 | 3 | 0 | 0.0% |
| Wyandotte County | 4 | 3 | 1 | 25.0% |
| Miami County | 4 | 3 | 0 | 0.0% |
| Shawnee County | 3 | 2 | 0 | 0.0% |
| Franklin County | 3 | 0 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 115 applications in 2025, of which 79 were originated and 3 denied.
2.6% of all applications, or 3.7% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Luminate Bank originated in Kansas in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology