Bank
Luminate Bank
Company NMLS ID 1281698 (opens in a new tab) · luminate.bank (opens in a new tab)
Luminate Bank (company NMLS 1281698) is a bank. LenDb has not loaded its loan officers yet. Programs listed on its site include 1099 income, Asset-based qualifying, Bank statement loan, Construction loan and Down payment assistance.
Last verified . Sources: Luminate Bank's own loan officer directory and NMLS Consumer Access.
- 0 loan officers on LenDb
- 0 branch states
- Disciplinary history not yet checked
- FHA-approved lender (HUD FHA data, loans endorsed through Aug 2026) (opens in a new tab)
Loan programs offered
- 1099 income
- Asset-based qualifying
- Bank statement loan
- Construction loan
- Down payment assistance
- DSCR loan
- FHA loan
- First-time buyer
- HELOC
- Real estate investor
- ITIN borrower
- Jumbo loan
- Low credit score
- New construction
- Non-QM loan
- Physician and medical professional
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- Self-employed
- USDA loan
- VA loan
Lending activity (HMDA)
Funded 8,121 home loans in 2025 (HMDA), 5,962 conventional
- By loan type: 5,962 conventional, 1,572 FHA, 531 VA, 56 USDA.
- By purpose: 6,832 purchase, 1,282 refinance, 7 other (home improvement and other closed-end loans).
- 170 jumbo (above the conforming loan limit); 604 for investment properties.
- Up 23785% from 2024 (34 loans).
- About $3.0 billion in loan amounts (HMDA reports amounts in $10,000 bands).
Most loans in Minnesota (1,345), New Jersey (1,058), Florida (659).
Source: HMDA, FFIEC/CFPB, 2025 (opens in a new tab). Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans.
Loan officers
No loan officers loaded yet.
Source: manual, verified 2026-10-08. Also as JSON. Lender-neutral: nobody pays to be listed or ranked.