Be Different.
Be Better.
Finally it can be about you and your business.
At Luminate Bank, we do things a lot differently.
Make a new choice.
Break the mold.
Are you exhausted trying to find out how you can exist in a mold that isn’t made for you? Or tired of being shoved into a box that doesn't fit your needs? Well, we are too.
We're the mortgage company of the future, and we make sure our team culture is our number one priority. We're fueled by a deep desire to help people, to get to know them, and to help them thrive. We want to see you and your business succeed.
“I work with Luminate, specifically the Michael Creed Team, often. They are literally the best mortgage lender I have ever worked with. Highly recommend to anyone needing to buy a home or refinance a home. Flawless transactions, communication and education. The absolute best for our clients.”
- Stefani B.-
“Always on top of everything that needed to be done with very quick response times. They were able to think of everything that needed to be done and made the process very simple.”
- Kevin M. 
“As a realtor, working with an effective lender is crucial. Allie's expertise, kindness, and open communication allowed everyone to have a positive experience. I look forward to working with Allie again and highly recommend her and her team.”
- Anna K.-
“Patrick and his team provide exceptional service. Their guidance, communication, attention to detail, and expertise made for a smooth transaction. He and his team’s professionalism and positive attitude made the entire process enjoyable. They truly went above and beyond. I highly recommend Patrick and his team!”
- Ryan H.
- Ryan H. -
“Truly the most personal closing I have ever been a part of! A+ customer service and presentation for the buyers and absolutely phenomenal communication with me (buyer's agent) leading up to closing. I will be sending all of my buyers to Kayley from here on out!”
- Ann L.
- Ann L.
Join the revolution.
Let's connect.
We're revolutionizing the mortgage industry, and we want you on board. We're tired of the fake interactions, the hundreds of LinkedIn recruiting messages, the cold calls, and cookie-cutter messages.
In a world where everything is digital, we want to still feel genuine. We want you to express yourself and be personable, without feeling the restraints of corporate jargon.
Let's be a part of something bigger. Together.
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Let us help you understand your "why."
The Team at Luminate Bank is passionate about many things in the mortgage business. But it's people that truly make our job rewarding—whether that's realtors, financial planners, or other loan officers, we know how important it is to stay connected to and understand each other's "why." Why are we in this business? Why are we working so hard to help people? Why do we want to change?
The answer is simple—it's you. We want to help your business, not control it. We want to help you learn and continue your mortgage education as you continue to make significant changes in people's lives. And most importantly, we want to give you the breathing room you need to not just grow, but thrive.
