Applications / Mortgage Analytics / Lenders / Minnesota / Luminate Bank / Competition
Luminate Bank
Minneapolis, MN · State non-member bank · FDIC · $511 million assets · 8,416 loans in 2025
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8,416
loans originated, 2025
12,134
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Who Luminate Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NEW YORK-NEWARK-JERSEY CITY, NY-NJ, 2025
Luminate Bank ranks 46th of 802 lenders in New York-Newark-Jersey City, NY-NJ, with $643.7M lent: 0.4% of a $144.59B market.
New York-Newark-Jersey City, NY-NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Luminate Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI, 2025
Luminate Bank ranks 20th of 688 lenders in Minneapolis-St. Paul-Bloomington, MN-WI, with $382.6M lent: 1.4% of a $27.60B market.
Minneapolis-St. Paul-Bloomington, MN-WI is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Luminate Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — DENVER-AURORA-CENTENNIAL, CO, 2025
Luminate Bank ranks 56th of 754 lenders in Denver-Aurora-Centennial, CO, with $177.1M lent: 0.5% of a $35.19B market.
Denver-Aurora-Centennial, CO is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Luminate Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV, 2025
Luminate Bank ranks 126th of 757 lenders in Washington-Arlington-Alexandria, DC-VA-MD-WV, with $87.6M lent: 0.1% of a $62.69B market.
Washington-Arlington-Alexandria, DC-VA-MD-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Luminate Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — SEATTLE-TACOMA-BELLEVUE, WA, 2025
Luminate Bank ranks 88th of 597 lenders in Seattle-Tacoma-Bellevue, WA, with $83.6M lent: 0.2% of a $49.59B market.
Seattle-Tacoma-Bellevue, WA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Luminate Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD, 2025
Luminate Bank ranks 107th of 784 lenders in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, with $72.8M lent: 0.2% of a $39.87B market.
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Luminate Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — LEXINGTON-FAYETTE, KY, 2025
Luminate Bank ranks 19th of 389 lenders in Lexington-Fayette, KY, with $56.9M lent: 1.6% of a $3.62B market.
Lexington-Fayette, KY is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Luminate Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — PHOENIX-MESA-CHANDLER, AZ, 2025
Luminate Bank ranks 158th of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $54.7M lent: 0.1% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Luminate Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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