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.

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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.

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.

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$3.01 Billion

Funded in 2023

49 States

Originating

96

Locations

642+

Employees & Growing

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.

  • a group of people are posing for a picture in front of a restaurant .

    • Your new home is waiting. Let's get you in there.

    TALK TO A LOAN EXPERT
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