Lenders › Luminate Home Loans, Inc. › Vermont
Luminate Home Loans, Inc. in Vermont
HMDA record for properties in Vermont, calendar year 2024. National record · Vermont 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.
In Vermont, Luminate Home Loans, Inc. reported 189 applications and 138 originations for 2024, $39m in all.
Its denial rate in the state was 9.8%, below the Vermont rate of 19.6% across all lenders and compared with the lender's national rate of 3.7%.
The median rate spread on its Vermont originations was 0.6 percentage points (state median 0.3).
Applications in the state were up 50% on 2023.
Compared with the state and the lender's national record
| Measure | In Vermont | Vermont, all lenders | Luminate Home Loans, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 9.8% | 19.6% | 3.7% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.8% | 14.4% | 6.4% | 15.6% |
| Average originated loan | $280k | $266k | $352k | $329k |
| Home purchase share | 93.5% | 49.9% | 88.1% | 57.0% |
| FHA-insured share | 10.1% | 4.9% | 19.6% | 13.4% |
| VA-guaranteed share | 3.6% | 4.0% | 6.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVermont, all lenders
Loan purpose and loan type in Vermont
By purpose
Home purchase 93% (129)Refinancing 3% (4)Cash-out refinancing 4% (5)
By type
Conventional 85% (117)FHA 10% (14)VA 4% (5)USDA 1% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Vermont
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 34 | 27 | $6.6m | 12.9% |
| Orleans County | 32 | 26 | $6.1m | 3.7% |
| Chittenden County | 30 | 21 | $8.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Luminate Home Loans, Inc. originate in Vermont in 2024?
138 loans totalling $39m, from 189 applications reported for properties in Vermont.
What is Luminate Home Loans, Inc.'s denial rate in Vermont?
9.8% of decided applications in Vermont were denied, against 19.6% 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 Vermont counties does Luminate Home Loans, Inc. lend in most?
By originations: Franklin County (27), Orleans County (26), Chittenden County (21).
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 Vermont. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.