Luminate Home Loans in Ohio vs the state
3.9%Denial rate-13.84 pts vs state
5.9%Decision denial rate-16.01 pts vs state
61.5%Origination rate+1.64 pts vs state
7.00%Median rate+0.12 pts vs state
0.53Rate spread (pts)+0.14 pts vs state
$80kMedian applicant income
16Loans originated
1Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 40 | 1.4% | 7.38% | #345 |
| 2024 | 236 | 123 | 3.0% | 6.99% | #197 |
| 2025 | 26 | 16 | 3.9% | 7.00% | #492 |
What Luminate Home Loans lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Luminate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 7 | 4 | 0 | 0.0% |
| Montgomery County | 6 | 4 | 0 | 0.0% |
| Butler County | 3 | 2 | 0 | 0.0% |
| Greene County | 2 | 2 | 0 | 0.0% |
| Wood County | 1 | 0 | 0 | 0.0% |
| Darke County | 1 | 1 | 0 | 0.0% |
| Clermont County | 1 | 1 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Clinton County | 1 | 0 | 0 | 0.0% |
| Summit County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 26 applications in 2025, of which 16 were originated and 1 denied.
3.9% of all applications, or 5.9% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Luminate Home Loans originated in Ohio in 2025 was 7.00%, against a statewide median of 6.88%.
About this data. Figures are Luminate Home Loans's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology