Lighting Your Pathway to Homeownership

Luminate Bank® is a nationally recognized mortgage lender combining the strength of a licensed bank with the agility and entrepreneurial mindset of independent mortgage bankers. 

With a footprint of over 700 dedicated professionals, we proudly rank among the Top 25 Retail Mortgage Lenders in the nation, as recognized by Scotsman Guide. 

By offering the security of an FDIC-insured institution and the innovative spirit of our sales team, we are proud to deliver efficient, flexible, and personalized service to homebuyers in all 50 states. 

Luminate Bank is built to serve, which is why we’re committed to empowering our borrowers, supporting real estate professionals, and closing loans with confidence. 

>> Loan Officer Directory

Our mortgage loan originators are nationally recognized as the best in their field

>> DIVERSE PORTFOLIO

Our home loan options are as diverse as our community.

Buying a home is one of life’s biggest milestones, but it shouldn’t feel overwhelming. With Luminate and our simple, four-step process, we make it as smooth and transparent as possible.

Tell me about your goals.

Let’s start by discussing your homeownership dreams and timeline. Together, we’ll find the loan option that fits your needs and sets you up for success.

Complete your application.

Gather your financial details and fill out your loan application to begin the pre-approval process. I’ll be here to answer any questions along the way.

Get pre-approved.

Once your application and credit are reviewed, you’ll receive a pre-approval letter, giving you the confidence to start your home search.

Find your home.

Armed with your pre-approval letter and budget, it’s time to explore the market and find the home that’s perfect for you. I’ll be cheering you on every step of the way!