Luminate Home Loans in Pennsylvania vs the state
0.0%Denial rate-18.29 pts vs state
0.0%Decision denial rate-22.21 pts vs state
20.0%Origination rate-40.96 pts vs state
8.13%Median rate+1.50 pts vs state
1.59Rate spread (pts)+1.35 pts vs state
$387kMedian applicant income
1Loans originated
0Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 32 | 8.5% | 7.19% | #452 |
| 2024 | 77 | 39 | 3.9% | 6.99% | #410 |
| 2025 | 5 | 1 | 0.0% | 8.13% | #786 |
What Luminate Home Loans lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most Luminate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 2 | 0 | 0 | 0.0% |
| Lebanon County | 1 | 0 | 0 | 0.0% |
| Philadelphia County | 1 | 1 | 0 | 0.0% |
| Bucks County | 1 | 0 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 5 applications in 2025, of which 1 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Luminate Home Loans originated in Pennsylvania in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Luminate Home Loans's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology