Luminate Bank in Ohio vs the state
2.3%Denial rate-15.43 pts vs state
3.0%Decision denial rate-18.89 pts vs state
72.2%Origination rate+12.28 pts vs state
6.88%Median rate0.00 pts vs state
0.76Rate spread (pts)+0.37 pts vs state
$84kMedian applicant income
96Loans originated
3Denied
What Luminate Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 46 | 36 | 1 | 2.2% |
| Mahoning County | 22 | 15 | 0 | 0.0% |
| Butler County | 8 | 7 | 0 | 0.0% |
| Columbiana County | 6 | 4 | 0 | 0.0% |
| Trumbull County | 6 | 3 | 1 | 16.7% |
| Clermont County | 5 | 4 | 0 | 0.0% |
| Clark County | 4 | 4 | 0 | 0.0% |
| Montgomery County | 4 | 3 | 0 | 0.0% |
| Delaware County | 3 | 2 | 0 | 0.0% |
| Lucas County | 3 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 133 applications in 2025, of which 96 were originated and 3 denied.
2.3% of all applications, or 3.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Luminate Bank originated in Ohio in 2025 was 6.88%, against a statewide median of 6.88%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology