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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$3.01 Billion

Funded in 2023

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49 States

Originating

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96

Locations

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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.

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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.

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

    TALK TO A LOAN EXPERT
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