Luminate Bank in Wisconsin vs the state
4.4%Denial rate-9.66 pts vs state
5.2%Decision denial rate-11.12 pts vs state
78.6%Origination rate+10.45 pts vs state
6.99%Median rate+0.37 pts vs state
0.71Rate spread (pts)+0.59 pts vs state
$105kMedian applicant income
235Loans originated
13Denied
What Luminate Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brown County | 54 | 50 | 0 | 0.0% |
| Waukesha County | 48 | 36 | 1 | 2.1% |
| Outagamie County | 25 | 23 | 1 | 4.0% |
| Milwaukee County | 25 | 16 | 3 | 12.0% |
| Winnebago County | 20 | 14 | 2 | 10.0% |
| St. Croix County | 18 | 16 | 0 | 0.0% |
| Kenosha County | 13 | 10 | 1 | 7.7% |
| Dane County | 8 | 6 | 0 | 0.0% |
| Pierce County | 7 | 4 | 1 | 14.3% |
| Washington County | 7 | 5 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 299 applications in 2025, of which 235 were originated and 13 denied.
4.4% of all applications, or 5.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Luminate Bank originated in Wisconsin in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Luminate Bank's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology