Luminate Bank in Louisiana vs the state
6.3%Denial rate-15.92 pts vs state
7.7%Decision denial rate-20.46 pts vs state
68.8%Origination rate+16.78 pts vs state
6.63%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.13 pts vs state
$99kMedian applicant income
11Loans originated
1Denied
What Luminate Bank lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Tammany Parish | 5 | 4 | 0 | 0.0% |
| Orleans Parish | 3 | 1 | 1 | 33.3% |
| Jefferson Parish | 2 | 1 | 0 | 0.0% |
| Vermilion Parish | 1 | 0 | 0 | 0.0% |
| Sabine Parish | 1 | 1 | 0 | 0.0% |
| St. Bernard Parish | 1 | 1 | 0 | 0.0% |
| Terrebonne Parish | 1 | 1 | 0 | 0.0% |
| East Baton Rouge Parish | 1 | 1 | 0 | 0.0% |
| Calcasieu Parish | 1 | 1 | 0 | 0.0% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 7,057 | 49.0% | 10.10% |
| United Shore Financial Services | B | 6,264 | 13.1% | 6.38% |
| Rocket Mortgage | C | 5,770 | 25.9% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 4,370 | 45.6% | 10.50% |
| Triad Financial Services | D | 3,867 | 49.7% | 8.73% |
| Hancock Whitney Bank | B | 3,536 | 21.7% | 6.00% |
| Regions Bank | C | 3,356 | 45.8% | 6.00% |
| GMFS | A | 3,072 | 2.0% | 6.50% |
| Newrez | D | 2,664 | 21.1% | 6.50% |
| Dsld Mortgage | A | 2,545 | 6.3% | 6.13% |
Frequently asked questions
Louisiana: 16 applications in 2025, of which 11 were originated and 1 denied.
6.3% of all applications, or 7.7% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans Luminate Bank originated in Louisiana 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 Louisiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology