Lender in Delaware · HMDA 2025
Luminate Bank mortgages in Delaware
Luminate Bank's 2025 home-purchase and refinance lending in Delaware, compared with all lenders in the state.
Luminate Bank originated 212 owner-occupied single-family loans in Delaware from 229 completed applications, making it the state's #21 lender by volume.
Its median conventional purchase loan costs were $9,170 versus $6,050 for all Delaware lenders, at a median 30-year fixed rate of 6.625% (Delaware: 6.625%).
Loans in DE
212
of 229 applications
Denial rate
5.8%
Purchase · DE 8.5%
Rate spread
+0.44 pts
Conv. · DE +0.18 pts
Loan amount
$325,000
Purchase · DE $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 206 | 191 | 5.8% | 6.625% | +0.44 pts | $9,170 | $325,000 |
| Refinance | 11 | 10 | — | — | — | — | — |
| Cash-out refinance | 12 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Delaware counties where Luminate Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sussex County | 17 | 81 | 1.7% |
| Kent County | 17 | 52 | 1.7% |
| New Castle County | 23 | 79 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology