Lender in Colorado · HMDA 2025
Luminate Bank mortgages in Colorado
Luminate Bank's 2025 home-purchase and refinance lending in Colorado, compared with all lenders in the state.
Luminate Bank originated 412 owner-occupied single-family loans in Colorado from 427 completed applications.
Its median conventional purchase loan costs were $4,980 versus $4,630 for all Colorado lenders, at a median 30-year fixed rate of 6.625% (Colorado: 6.50%).
Loans in CO
412
of 427 applications
Denial rate
2.3%
Purchase · CO 6.3%
Rate spread
+0.21 pts
Conv. · CO +0.04 pts
Loan amount
$475,000
Purchase · CO $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 356 | 346 | 2.3% | 6.625% | +0.21 pts | $4,980 | $475,000 |
| Refinance | 49 | 48 | 2.0% | 6.625% | +0.35 pts | $4,960 | $655,000 |
| Cash-out refinance | 22 | 18 | 13.6% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Colorado counties where Luminate Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jackson County | 6 | 1 | 7.7% |
| Routt County | 14 | 5 | 1.5% |
| Mesa County | 15 | 35 | 1.3% |
| Lincoln County | 19 | 1 | 1.6% |
| Washington County | 21 | 1 | 1.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology