Lender in Washington · HMDA 2025
Luminate Bank mortgages in Washington
Luminate Bank's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Luminate Bank originated 203 owner-occupied single-family loans in Washington from 212 completed applications.
Its median conventional purchase loan costs were $8,910 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
203
of 212 applications
Denial rate
2.6%
Purchase · WA 5.9%
Rate spread
+0.35 pts
Conv. · WA +0.10 pts
Loan amount
$515,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 156 | 151 | 2.6% | 6.625% | +0.35 pts | $8,910 | $515,000 |
| Refinance | 43 | 39 | 7.0% | — | — | — | $515,000 |
| Cash-out refinance | 13 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology