Are you ready for a clear direction in lending?
We've brought together a proven team with decades of experience, with the goal of getting rid of the bad habits of the home loan industry.
Our mission reflects your vision.
At Luminate Home Loans, our mission is to unlock people's full potential through finances and provide them with clarity through every step of the loan process.
We make lending approachable. By bringing transparency and consistency to every part of the financial world, we strive to guide people to decisions that are in their best interest. It's our goal to help you feel informed and engaged at every turn.
Our Core Values
Who we are is important to us, which is why we want to share our values with all of our customers. At Luminate, we believe a strong foundation makes for the best environment for positive growth. And while you may stumble along the way, the most important lessons happen from the confidence and values you learn in the growing process.
We focus on people.
We wouldn’t be who we are without people like you. Your character counts because it helps us learn and grow together. That’s why it’s our goal to open financial doors for everyone.
We grow from the fire within.
Here at Luminate, we are passionate people. The heart and soul of our team are centralized on being the guiding light for individuals like yourself so that we can grow together. We truly want our passion to help elevate you on your financial journey.
We radiate through consistency.
Stay humble, work hard—that’s one of our mottos here at Luminate. Our approach is to provide reliable customer service for everyone, giving you that peace of mind that comes with consistency.
We strive for clarity.
Reputation is at our core. By having respect for others and ourselves, we always bring a straightforward approach to your finances. The more clarity we provide, the more comfortable you’ll be.
$3.01 Billion
Funded in 2023
49
States Originating
96
Locations
642+
Employees & Growing
Our History
While we've been in business since 1998, you may notice that things look a little "new" around here—and you'd be correct! Previously known as AMEC Home Loans, we rebranded to Luminate Home Loans in 2020, but we have decades of experience under our belt.
It was our amazing leadership team that took us from a team of six to 200+, all by believing that everyone deserved a clear direction in lending through transparency and consistency. We've worked hard to change the existing model of current mortgage companies and the banking industry, because we want the process to be streamlined for your benefit.
Our Team
When it comes to mortgage lending, people have never had more options to choose from. But do you know what most mortgage lenders don't have that we do? A commitment to you. You're more than a number to us, you're a person—and we want to see you thrive! And we know that it's our team that helps make all of this possible.
Here at Luminate, our team works hard to help illuminate the path to the best mortgage decision for each of our clients, all while providing competitive rates and a variety of loan programs to help fit your needs. We live by our core values, and invite you to reach out to us for any of your home loan needs.
Your new home is waiting. Let's get you in there.
Luminate Home Loans, Inc. a wholly owned subsidiary of Luminate Bank
NOTICE TO TEXAS CONSMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”