Mortgage company · complaint record
Luminate Home Loans complaints
Filed under LUMINATE HOME LOANS, INC.
Consumers have filed 6 complaints about Luminate Home Loans since 2015, none in the last 12 months. It answered 66.7% on time and closed 0% with relief for the customer. The most common problem is application, originator, mortgage broker.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 6
- Last 12 months
- 0
- Answered on time
- 66.7%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since July 2015
new vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Jul 7, 2019
Luminate Home Loans complaints by month
The busiest month was July 2015 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Luminate Home Loans answered all time
- Closed with explanation466.7%
- Closed116.7%
- Untimely response116.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Luminate Home Loans complaints are about
Top Luminate Home Loans problems
Luminate Home Loans compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Midwest Loan ServicesMortgages | 50 | 29 | C |
| 2 | Truhome SolutionsMortgages | 43 | 28 | D |
| 3 | NEXA MortgageMortgages | 8 | 28 | F |
| 4 | HilltopMortgages | 51 | 28 | C |
| 5 | Land Home Financial ServicesMortgages | 21 | 27 | F |
| 6 | First United Bank and TrustMortgages | 60 | 27 | C |
| 7 | A&D MortgageMortgages | 45 | 25 | D |
| 8 | Luminate Home LoansMortgages | - | 0 | - |
Compare side by side: Luminate Home Loans vs Midwest Loan Services · Luminate Home Loans vs Truhome Solutions · Luminate Home Loans vs NEXA Mortgage · Luminate Home Loans vs Hilltop
What people say about Luminate Home Loans
All experiencesNo experiences with Luminate Home Loans yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Luminate Home Loans complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 7, 2019 | Mortgages | Closing on a mortgage | No timely reply |
| Mar 10, 2018 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 25, 2017 | Mortgages | Applying for a mortgage or refinancing an existing mortgage | Explained |
| Nov 30, 2015 | Mortgages | Application, originator, mortgage broker | Explained |
| Jul 10, 2015 | Mortgages | Application, originator, mortgage broker | Closed |
| Jul 10, 2015 | Mortgages | Application, originator, mortgage broker | Explained |
Questions about Luminate Home Loans
How many complaints does Luminate Home Loans have?
Luminate Home Loans has 6 complaints on record since July 2015, including 0 in the last 12 months and 0 in the last 30 days.
Does Luminate Home Loans respond to complaints?
Yes. Luminate Home Loans answered 66.7% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Luminate Home Loans?
The most common problems are application, originator, mortgage broker (3), improper use of your report (1), applying for a mortgage or refinancing an existing mortgage (1).
Is Luminate Home Loans legit?
Luminate Home Loans is a real company with a public complaint record: consumers have complained about it 6 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Luminate Home Loans legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Luminate Home Loans?
Complain to Luminate Home Loans in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Luminate Home Loans complaints come from?
Most come from Minnesota (4), South Dakota (1), Texas (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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