Lenders › Luminate Home Loans, Inc. › Indiana
Luminate Home Loans, Inc. in Indiana
HMDA record for properties in Indiana, calendar year 2024. National record · Indiana overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Luminate Home Loans, Inc.'s 2024 HMDA record for Indiana covers 389 applications, 281 of them originated, worth $59m.
Its denial rate in the state was 3.7%, below the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 3.7%.
The median rate spread on its Indiana originations was 0.9 percentage points (state median 0.5).
Applications in the state were up 238% on 2023.
Compared with the state and the lender's national record
| Measure | In Indiana | Indiana, all lenders | Luminate Home Loans, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 3.7% | 21.5% | 3.7% | 24.3% |
| Median rate spread, pp | 0.9 | 0.5 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.9% | 15.8% | 6.4% | 15.6% |
| Average originated loan | $210k | $216k | $352k | $329k |
| Home purchase share | 91.8% | 53.1% | 88.1% | 57.0% |
| FHA-insured share | 28.5% | 14.5% | 19.6% | 13.4% |
| VA-guaranteed share | 5.7% | 6.0% | 6.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIndiana, all lenders
Loan purpose and loan type in Indiana
By purpose
Home purchase 92% (258)Refinancing 2% (6)Cash-out refinancing 6% (17)
By type
Conventional 64% (181)FHA 28% (80)VA 6% (16)USDA 1% (4)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Indiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Howard County | 75 | 56 | $9.6m | 3.4% |
| Marion County | 49 | 35 | $6.6m | 0.0% |
| Vanderburgh County | 46 | 35 | $7.0m | 5.3% |
| Porter County | 28 | 24 | $7.6m | — |
| Lake County | 31 | 22 | $5.4m | 12.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Luminate Home Loans, Inc. originate in Indiana in 2024?
281 loans totalling $59m, from 389 applications reported for properties in Indiana.
What is Luminate Home Loans, Inc.'s denial rate in Indiana?
3.7% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 3.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Indiana counties does Luminate Home Loans, Inc. lend in most?
By originations: Howard County (56), Marion County (35), Vanderburgh County (35), Porter County (24), Lake County (22).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Indiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.