Luminate Bank in Missouri vs the state
8.1%Denial rate-7.01 pts vs state
11.5%Decision denial rate-7.16 pts vs state
60.8%Origination rate-1.91 pts vs state
6.88%Median rate+0.25 pts vs state
0.65Rate spread (pts)+0.30 pts vs state
$86kMedian applicant income
113Loans originated
15Denied
What Luminate Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 94 | 52 | 10 | 10.6% |
| Cass County | 34 | 24 | 2 | 5.9% |
| Clay County | 14 | 10 | 1 | 7.1% |
| St. Louis County | 7 | 5 | 0 | 0.0% |
| Nodaway County | 7 | 4 | 0 | 0.0% |
| Lafayette County | 4 | 2 | 0 | 0.0% |
| Camden County | 3 | 2 | 0 | 0.0% |
| Johnson County | 2 | 1 | 0 | 0.0% |
| Newton County | 2 | 1 | 0 | 0.0% |
| Cooper County | 2 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 186 applications in 2025, of which 113 were originated and 15 denied.
8.1% of all applications, or 11.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Luminate Bank originated in Missouri in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology