Seacoast Lender, Luminate Bank - Dover NH

Seacoast Lender, Luminate Bank - Dover NH Scott Mertens Branch Manager NMLS # 32274 Seacoast Lender - A Division of Luminate Bank Member FDIC

I am an experienced residential mortgage banker and pride myself on my knowledge of the industry, and being able to explain the process to my customers. Additionally, I have been successful in growing my business by focusing on the specific needs of borrowers and referral partners. I started my residential lending career as a retail sub-prime lender and have advanced to owning and operating my own branch.

4.66 star review received on Experience.com for Scott Mertens by Isaiah B - Scott was very informative, helped with time...
09/02/2026

4.66 star review received on Experience.com for Scott Mertens by Isaiah B - Scott was very informative, helped with timelines, documents and terminology in such a way that I felt very little stress. He attended the closing meeting to confirm everything looked right. Scott made it all very streamlined and

Click to see all 504 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Nicholas L - Scott will have our business as long as he ...
08/05/2026

5.0 star review received on Experience.com for Scott Mertens by Nicholas L - Scott will have our business as long as he wants to have it. Exceptionally communicative, exceptionally timely, exceptionally diligent. In addition to being the kind of person anyone SHOULD use, he is the kind of person anyone would WANT to use.

Click to see all 502 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Jennifer D - We could not have asked for a better...
08/05/2026

5.0 star review received on Experience.com for Scott Mertens by Jennifer D - We could not have asked for a better person to work with. Scott was responsive, helpful, and kind. He took the time to go through countless things with us, big or small, that we didnt have experience with being first time home buyers. He gave us confidence and an thorough understanding of the whole process. We can't thank Scott enough. I would recommend him to anyone and everyone.

Click to see all 502 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Nichole D - The communication and friendly personalities...
08/02/2026

5.0 star review received on Experience.com for Scott Mertens by Nichole D - The communication and friendly personalities of the staff. Closing day felt so easy because of Scott and his team. We trusted them and things could not have gone more smoothly.

Click to see all 498 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Kathrin L - Working with Scott Mertens was an outstandin...
07/17/2026

5.0 star review received on Experience.com for Scott Mertens by Kathrin L - Working with Scott Mertens was an outstanding experience from start to finish. He was always clear in his communication, responsive to my questions, and took the time to explain every step of the process in a way that was easy to understand. What stood out most was how he treated me like family—genuinely caring about my situation and making sure I felt comfortable and informed throughout the entire journey. His knowledge, patience, and dedication made what could have been a stressful process feel smooth and manageable. I highly recommend him to anyone looking for a trustworthy and caring mortgage professional.

Click to see all 509 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Garrett B M M - Scott is great, and extremely knowledge...
07/13/2026

5.0 star review received on Experience.com for Scott Mertens by Garrett B M M - Scott is great, and extremely knowledgeable/helpful

Click to see all 508 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Michael L K - Scott was always available for any q...
07/09/2026

5.0 star review received on Experience.com for Scott Mertens by Michael L K - Scott was always available for any question. Shared knowledge and always looked out for our best interest.

Click to see all 507 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Thomas P - Scott was great to work with throughout the e...
07/06/2026

5.0 star review received on Experience.com for Scott Mertens by Thomas P - Scott was great to work with throughout the entire mortgage process. He was responsive, easy to communicate with, and always willing to explain things clearly whenever I had questions. He made the process feel much less stressful and kept everything moving smoothly from start to finish. I really appreciated his help, professionalism, and patience, and I would definitely recommend him to anyone looking for a reliable lender.

Click to see all 506 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Heidi W - ⭐⭐⭐⭐⭐As a REALTOR®, I've had the pleasure of w...
06/29/2026

5.0 star review received on Experience.com for Scott Mertens by Heidi W - ⭐⭐⭐⭐⭐
As a REALTOR®, I've had the pleasure of working with Scott on a recent transaction, and he was outstanding from start to finish. He was consistently responsive, communicative, and proactive, keeping everyone informed throughout the process.
Scott is knowledgeable, patient, and a true problem solver. When questions or challenges arose, he addressed them quickly and professionally, always keeping the transaction moving forward. Just as importantly, he has an excellent bedside manner with clients, taking the time to explain the lending process in a way that builds confidence rather than stress.
I truly appreciated his teamwork and professionalism and would be happy to work with Scott again on future transactions. Highly recommend!

Click to see all 505 reviews of Scott Mertens, Branch Manager NMLS # 32274

5.0 star review received on Experience.com for Scott Mertens by Michael C - Scott made the impossible happen! All parti...
06/26/2026

5.0 star review received on Experience.com for Scott Mertens by Michael C - Scott made the impossible happen! All parties were very happy with Scott and his team.

Click to see all 504 reviews of Scott Mertens, Branch Manager NMLS # 32274

Address

44 Dover Point Road, Unit E
Dover, NH
03820

Telephone

+16037423331

Website

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