Luminate Home Loans in Colorado vs the state
2.2%Denial rate-13.41 pts vs state
3.2%Decision denial rate-16.43 pts vs state
64.4%Origination rate+4.42 pts vs state
6.88%Median rate+0.25 pts vs state
0.18Rate spread (pts)+0.03 pts vs state
$144kMedian applicant income
58Loans originated
2Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,245 | 844 | 1.9% | 6.75% | #47 |
| 2024 | 959 | 618 | 0.9% | 6.75% | #58 |
| 2025 | 90 | 58 | 2.2% | 6.88% | #236 |
What Luminate Home Loans lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Luminate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Adams County | 19 | 11 | 1 | 5.3% |
| Jefferson County | 13 | 11 | 0 | 0.0% |
| Arapahoe County | 11 | 8 | 0 | 0.0% |
| Denver County | 10 | 8 | 0 | 0.0% |
| Weld County | 9 | 4 | 0 | 0.0% |
| Douglas County | 7 | 5 | 1 | 14.3% |
| Larimer County | 5 | 3 | 0 | 0.0% |
| Boulder County | 4 | 2 | 0 | 0.0% |
| Elbert County | 3 | 2 | 0 | 0.0% |
| Routt County | 3 | 1 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 90 applications in 2025, of which 58 were originated and 2 denied.
2.2% of all applications, or 3.2% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Luminate Home Loans originated in Colorado in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Luminate Home Loans's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology