{
  "canonical_url": "https://lendb.ai/lender/luminate-bank-1281698",
  "lender": {
    "nmls_id": 1281698,
    "slug": "luminate-bank-1281698",
    "canonical_url": "https://lendb.ai/lender/luminate-bank-1281698",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1281698",
    "name": {
      "value": "Luminate Bank",
      "source": "manual",
      "source_url": "https://www.luminate.bank/",
      "verified_at": "2026-10-08"
    },
    "dba_names": [],
    "type": "bank",
    "website": {
      "value": "https://www.luminate.bank/",
      "source": "manual",
      "source_url": "https://www.luminate.bank/",
      "verified_at": "2026-10-08"
    },
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [
        "1099-income",
        "asset-based",
        "bank-statement",
        "construction",
        "down-payment-assistance",
        "dscr",
        "fha",
        "first-time-buyer",
        "heloc",
        "investor",
        "itin",
        "jumbo",
        "low-credit",
        "new-construction",
        "non-qm",
        "physician",
        "renovation",
        "reverse",
        "self-employed",
        "usda",
        "va"
      ],
      "source": "manual",
      "source_url": "https://www.luminate.bank/",
      "verified_at": "2026-10-08"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0.001,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 8121,
          "by_loan_type": {
            "conventional": 5962,
            "fha": 1572,
            "va": 531,
            "usda": 56
          },
          "purchase": 6832,
          "refinance": 1282,
          "other_purpose": 7,
          "jumbo": 170,
          "investor": 604,
          "volume_usd": 3040445000
        },
        {
          "year": 2024,
          "loans": 34,
          "by_loan_type": {
            "conventional": 34,
            "fha": 0,
            "va": 0,
            "usda": 0
          },
          "purchase": 25,
          "refinance": 5,
          "other_purpose": 4,
          "jumbo": 2,
          "investor": 11,
          "volume_usd": 9140000
        }
      ],
      "top_states": [
        {
          "state": "MN",
          "loans": 1345
        },
        {
          "state": "NJ",
          "loans": 1058
        },
        {
          "state": "FL",
          "loans": 659
        },
        {
          "state": "IN",
          "loans": 512
        },
        {
          "state": "CO",
          "loans": 483
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 0,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-08"
  }
}