Luminate Bank in Texas vs the state
4.1%Denial rate-15.31 pts vs state
6.1%Decision denial rate-18.77 pts vs state
62.9%Origination rate+8.01 pts vs state
6.88%Median rate+0.38 pts vs state
0.60Rate spread (pts)+0.41 pts vs state
$118kMedian applicant income
244Loans originated
16Denied
What Luminate Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 108 | 63 | 4 | 3.7% |
| Montgomery County | 34 | 20 | 1 | 2.9% |
| Fort Bend County | 28 | 16 | 2 | 7.1% |
| Chambers County | 19 | 15 | 0 | 0.0% |
| Galveston County | 15 | 9 | 2 | 13.3% |
| Tarrant County | 13 | 11 | 0 | 0.0% |
| Dallas County | 10 | 8 | 0 | 0.0% |
| Denton County | 9 | 8 | 0 | 0.0% |
| Caldwell County | 9 | 3 | 1 | 11.1% |
| Travis County | 8 | 4 | 1 | 12.5% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 388 applications in 2025, of which 244 were originated and 16 denied.
4.1% of all applications, or 6.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Luminate Bank originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology