Lender in Florida · HMDA 2025
Luminate Bank mortgages in Florida
Luminate Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Luminate Bank originated 483 owner-occupied single-family loans in Florida from 524 completed applications.
Its median conventional purchase loan costs were $8,110 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.875% (Florida: 6.625%).
Loans in FL
483
of 524 applications
Denial rate
5.5%
Purchase · FL 12.8%
Rate spread
+0.45 pts
Conv. · FL +0.14 pts
Loan amount
$315,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 455 | 425 | 5.5% | 6.875% | +0.45 pts | $8,110 | $315,000 |
| Refinance | 25 | 21 | 16.0% | — | — | — | $375,000 |
| Cash-out refinance | 44 | 37 | 11.4% | 6.750% | +0.43 pts | $7,890 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Luminate Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Liberty County | 13 | 1 | 2.9% |
| Marion County | 18 | 86 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology