Luminate Bank in Oregon vs the state
2.4%Denial rate-12.87 pts vs state
3.5%Decision denial rate-15.71 pts vs state
68.3%Origination rate+7.67 pts vs state
6.50%Median rate-0.25 pts vs state
0.44Rate spread (pts)+0.16 pts vs state
$128kMedian applicant income
28Loans originated
1Denied
What Luminate Bank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Coos County | 10 | 6 | 0 | 0.0% |
| Multnomah County | 8 | 6 | 0 | 0.0% |
| Washington County | 6 | 5 | 0 | 0.0% |
| Clackamas County | 5 | 5 | 0 | 0.0% |
| Marion County | 2 | 1 | 0 | 0.0% |
| Polk County | 2 | 1 | 0 | 0.0% |
| Lincoln County | 2 | 1 | 1 | 50.0% |
| Lane County | 2 | 1 | 0 | 0.0% |
| Deschutes County | 1 | 1 | 0 | 0.0% |
| Douglas County | 1 | 0 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 41 applications in 2025, of which 28 were originated and 1 denied.
2.4% of all applications, or 3.5% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Luminate Bank originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology