Lender in Kentucky · HMDA 2025
Luminate Bank mortgages in Kentucky
Luminate Bank's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Luminate Bank originated 402 owner-occupied single-family loans in Kentucky from 409 completed applications.
Its median conventional purchase loan costs were $5,000 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
402
of 409 applications
Denial rate
1.6%
Purchase · KY 8.2%
Rate spread
+0.41 pts
Conv. · KY +0.21 pts
Loan amount
$255,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 387 | 380 | 1.6% | 6.750% | +0.41 pts | $5,000 | $255,000 |
| Refinance | 9 | 9 | — | — | — | — | — |
| Cash-out refinance | 13 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Luminate Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Powell County | 4 | 10 | 7.5% |
| Magoffin County | 4 | 2 | 7.4% |
| Union County | 5 | 5 | 5.9% |
| Hopkins County | 7 | 18 | 3.4% |
| Fayette County | 9 | 109 | 3.0% |
| Jessamine County | 10 | 18 | 2.2% |
| Woodford County | 11 | 8 | 2.3% |
| Scott County | 12 | 23 | 1.9% |
| Harrison County | 12 | 4 | 2.2% |
| Robertson County | 12 | 1 | 4.3% |
| Henderson County | 13 | 11 | 2.1% |
| Clark County | 14 | 12 | 2.2% |
| Garrard County | 14 | 6 | 2.2% |
| Campbell County | 15 | 23 | 1.4% |
| Bourbon County | 15 | 4 | 1.8% |
| Grant County | 16 | 7 | 2.1% |
| Estill County | 16 | 2 | 1.7% |
| Madison County | 17 | 21 | 1.4% |
| Boyle County | 17 | 6 | 1.5% |
| Kenton County | 19 | 41 | 1.3% |
| Owen County | 21 | 2 | 1.4% |
| Boone County | 22 | 22 | 0.9% |
| Montgomery County | 22 | 4 | 1.1% |
| Mercer County | 23 | 4 | 1.2% |
| Caldwell County | 23 | 2 | 1.5% |
| Lincoln County | 24 | 3 | 1.2% |
| Daviess County | 25 | 8 | 0.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology