Lenders › Luminate Home Loans, Inc. › Wisconsin
Luminate Home Loans, Inc. in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin 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 Wisconsin, Luminate Home Loans, Inc. reported 286 applications and 190 originations for 2024, $54m in all.
Its denial rate in the state was 4.5%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 3.7%.
The median rate spread on its Wisconsin originations was 0.7 percentage points (state median 0.2).
Applications in the state were down 30% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Luminate Home Loans, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 4.5% | 17.1% | 3.7% | 24.3% |
| Median rate spread, pp | 0.7 | 0.2 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.4% | 11.0% | 6.4% | 15.6% |
| Average originated loan | $282k | $223k | $352k | $329k |
| Home purchase share | 87.4% | 46.3% | 88.1% | 57.0% |
| FHA-insured share | 16.3% | 5.6% | 19.6% | 13.4% |
| VA-guaranteed share | 2.6% | 4.3% | 6.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 87% (166)Home improvement 1% (1)Refinancing 3% (6)Cash-out refinancing 9% (17)
By type
Conventional 81% (153)FHA 16% (31)VA 3% (5)USDA 1% (1)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 83 | 50 | $12m | 10.5% |
| Waukesha County | 37 | 21 | $7.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Luminate Home Loans, Inc. originate in Wisconsin in 2024?
190 loans totalling $54m, from 286 applications reported for properties in Wisconsin.
What is Luminate Home Loans, Inc.'s denial rate in Wisconsin?
4.5% of decided applications in Wisconsin were denied, against 17.1% 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 Wisconsin counties does Luminate Home Loans, Inc. lend in most?
By originations: Milwaukee County (50), Waukesha 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 Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.