Lender in Indiana · HMDA 2025
Luminate Bank mortgages in Indiana
Luminate Bank's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
Luminate Bank originated 457 owner-occupied single-family loans in Indiana from 472 completed applications.
Its median conventional purchase loan costs were $3,890 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.99% (Indiana: 6.625%).
Loans in IN
457
of 472 applications
Denial rate
2.1%
Purchase · IN 7.4%
Rate spread
+0.63 pts
Conv. · IN +0.24 pts
Loan amount
$235,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 438 | 426 | 2.1% | 6.990% | +0.63 pts | $3,890 | $235,000 |
| Refinance | 19 | 17 | — | — | — | — | — |
| Cash-out refinance | 15 | 14 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where Luminate Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pike County | 1 | 15 | 11.6% |
| Gibson County | 5 | 17 | 4.0% |
| Vanderburgh County | 8 | 80 | 3.0% |
| Howard County | 8 | 59 | 3.8% |
| Posey County | 9 | 10 | 2.8% |
| Miami County | 12 | 8 | 2.1% |
| Spencer County | 13 | 4 | 2.0% |
| Warrick County | 15 | 18 | 1.6% |
| Tipton County | 17 | 4 | 1.6% |
| Cass County | 18 | 6 | 1.2% |
| Dubois County | 18 | 4 | 1.0% |
| Porter County | 22 | 37 | 1.3% |
| Marshall County | 23 | 4 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology