Luminate Bank in Pennsylvania vs the state
2.3%Denial rate-15.95 pts vs state
3.5%Decision denial rate-18.76 pts vs state
64.9%Origination rate+3.95 pts vs state
6.75%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.29 pts vs state
$122kMedian applicant income
111Loans originated
4Denied
What Luminate Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 35 | 18 | 0 | 0.0% |
| Bucks County | 28 | 21 | 0 | 0.0% |
| Allegheny County | 14 | 11 | 1 | 7.1% |
| Chester County | 11 | 7 | 0 | 0.0% |
| Montgomery County | 10 | 8 | 0 | 0.0% |
| Lawrence County | 9 | 3 | 1 | 11.1% |
| York County | 7 | 6 | 0 | 0.0% |
| Monroe County | 7 | 4 | 0 | 0.0% |
| Delaware County | 5 | 5 | 0 | 0.0% |
| Lancaster County | 5 | 3 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 171 applications in 2025, of which 111 were originated and 4 denied.
2.3% of all applications, or 3.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Luminate Bank originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology