Lender in South Carolina · HMDA 2025
Luminate Bank mortgages in South Carolina
Luminate Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Luminate Bank originated 210 owner-occupied single-family loans in South Carolina from 218 completed applications.
Its median conventional purchase loan costs were $7,310 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.625% (South Carolina: 6.624%).
Loans in SC
210
of 218 applications
Denial rate
3.3%
Purchase · SC 8.8%
Rate spread
+0.22 pts
Conv. · SC +0.12 pts
Loan amount
$335,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 181 | 175 | 3.3% | 6.625% | +0.22 pts | $7,310 | $335,000 |
| Refinance | 23 | 22 | 4.3% | — | — | — | $315,000 |
| Cash-out refinance | 14 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Luminate Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Laurens County | 20 | 10 | 0.9% |
| Greenville County | 23 | 97 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology