Bank
Luminate Home Loans
Luminate Bank is a Minnesota-based FDIC-insured depository institution headquartered in Minneapolis, offering a wide range of retail banking services including FDIC-protected deposits and full-service mortgage products like conventional, VA, FHA, jumbo, and Non-QM loans.
Key Statistics
As of June 2026, public records show Luminate Home Loans has originated approximately $4.0B in loan volume over the past 12 months, with an average loan size of $380k.
Volume (12mo)
$4.0B
Avg Loan Size
$380k
Total Mortgages
36,854
Total Borrowers
7,503
Lending Entities
Luminate Home Loans funds loans through the following entities. These are the legal entities that appear on recorded mortgage documents.
21,153 mortgages recorded
11,887 mortgages recorded
3,815 mortgages recorded
+21 more entities not shown
Geography
Luminate Home Loans's lending activity is concentrated in the following states, based on recorded mortgage data from the past 12 months.
Mortgages (12mo): 1,599
Volume (12mo): $886.9M
Total Volume: $955.9M
Mortgages (12mo): 1,371
Volume (12mo): $479.6M
Total Volume: $2.3B
Mortgages (12mo): 884
Volume (12mo): $327.7M
Total Volume: $732.5M
Top Borrowers
The following individuals have the most recorded mortgage transactions with Luminate Home Loans. Click on a borrower to view their full investor profile.
+7,500 more borrowers not shown
FAQ
What type of lender is Luminate Home Loans?
Luminate Home Loans is classified as an bank based on our research. Banks are FDIC-insured depository institutions offering a range of mortgage products. They have a mix of business (5%) and personal loans in their portfolio.
What entities does Luminate Home Loans fund loans under?
Luminate Home Loans originates mortgages through 24 different lending entities. The most common include Luminate Home Loans, Luminate Bank, and American Equity Bank. These are the legal entity names that appear on recorded mortgage documents.
Where is Luminate Home Loans most active?
Based on recorded mortgages, Luminate Home Loans is most active in New Jersey, Minnesota, and Florida.
How many loans has Luminate Home Loans originated?
Public records show 36,854 mortgages recorded for Luminate Home Loans, with $4.0B in volume over the past 12 months.
What is the average loan size for Luminate Home Loans?
The average mortgage size for Luminate Home Loans is $380k based on all recorded mortgages.
Does Luminate Home Loans offer short-term loans?
Luminate Home Loans primarily offers long-term financing, with only 2% of loans being short-term.
How is this data collected?
Elementix aggregates mortgage data from public county records across the United States. We use AI to normalize lender names, identify aliases, and connect borrowers to their lending relationships.