Luminate Home Loans in Arizona vs the state
0.0%Denial rate-16.23 pts vs state
0.0%Decision denial rate-20.41 pts vs state
76.5%Origination rate+16.99 pts vs state
6.88%Median rate+0.38 pts vs state
0.24Rate spread (pts)+0.02 pts vs state
$102kMedian applicant income
26Loans originated
0Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 297 | 205 | 3.0% | 6.88% | #134 |
| 2024 | 224 | 149 | 1.3% | 6.88% | #157 |
| 2025 | 34 | 26 | 0.0% | 6.88% | #361 |
What Luminate Home Loans lends in Arizona
By loan purpose
By loan type
Where in Arizona
Counties with the most Luminate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mohave County | 16 | 11 | 0 | 0.0% |
| Maricopa County | 13 | 10 | 0 | 0.0% |
| Pinal County | 3 | 3 | 0 | 0.0% |
| Coconino County | 1 | 1 | 0 | 0.0% |
| Pima County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 34 applications in 2025, of which 26 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Luminate Home Loans originated in Arizona in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Luminate Home Loans's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology