Luminate Home Loans in Texas vs the state
5.1%Denial rate-14.35 pts vs state
8.1%Decision denial rate-16.79 pts vs state
57.6%Origination rate+2.75 pts vs state
6.99%Median rate+0.49 pts vs state
0.56Rate spread (pts)+0.36 pts vs state
$150kMedian applicant income
34Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 530 | 396 | 2.5% | 6.99% | #246 |
| 2024 | 695 | 477 | 3.6% | 6.99% | #206 |
| 2025 | 59 | 34 | 5.1% | 6.99% | #680 |
What Luminate Home Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Luminate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 11 | 4 | 1 | 9.1% |
| Tarrant County | 9 | 7 | 0 | 0.0% |
| Chambers County | 5 | 4 | 1 | 20.0% |
| Denton County | 4 | 3 | 0 | 0.0% |
| Waller County | 4 | 1 | 0 | 0.0% |
| Parker County | 4 | 3 | 0 | 0.0% |
| Brazos County | 2 | 2 | 0 | 0.0% |
| Fort Bend County | 2 | 1 | 1 | 50.0% |
| Hays County | 2 | 2 | 0 | 0.0% |
| Cherokee County | 2 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 59 applications in 2025, of which 34 were originated and 3 denied.
5.1% of all applications, or 8.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Luminate Home Loans originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Luminate Home Loans's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology