Legacy Division Luminate Bank

06/03/2026

Today we're celebrating something that means a lot to us.

Luminate Bank® has been named a 2026 Financial Services Top Workplaces award recipient, an honor that is based entirely on direct employee feedback.

Each day, our team opens doors for our customers, our partners, and one another; and this recognition is a reflection of our shared purpose.

We are so proud of the culture we've created, shared, and sustained together.

To our community, this one's for you.

06/03/2026

As students prepare for college life, parents are preparing for something too: helping protect what matters most.
From insurance coverage to healthcare planning, there are a few important conversations families should have before students head to campus.

Once your child turns 18, a lot changes. Insurance coverage, healthcare access, and liability can suddenly become more complicated than many families expect.

05/28/2026

When your income doesn’t fit inside a traditional W-2 box, financing conversations can look a little different — but that doesn’t mean homeownership is out of reach.

From self-employment and freelance work to multiple income streams, understanding how to document income and explore lending options like Non-QM loans can make the process feel a lot more manageable.

If you’re building something of your own while planning for your future, this is an important conversation to have early.

Whether you are building a side hustle or navigating self-employment for the first time, understanding your options can help you make decisions with greater clarity.

05/26/2026

Owning a home today can mean more than just building equity over time; it can also create financial flexibility when used strategically.

With household debt continuing to rise, many homeowners are looking for smarter ways to simplify their financial picture, consolidate higher-interest balances, or fund important life goals without starting from scratch.

At Luminate Bank, we believe your mortgage should work as part of your overall financial strategy, not separately from it. That’s why we take a people-first approach to helping clients explore what makes the most sense for their lives today and long term.

05/25/2026

This Memorial Day, we honor those who gave everything in service to others. May we never forget the courage, sacrifice, and legacy they leave behind.

05/23/2026

Luminate Bank® is honored to receive two 2026 Home Possible RISE Awards® from Freddie Mac in the categories of Greatest Volume and Fastest Growth. The RISE Awards celebrate the lenders working to expand access to affordable lending solutions and sustainable homeownership opportunities.

Behind these milestones are real people and real stories, which is why this recognition goes far beyond production numbers. It illustrates our collective effort towards creating opportunities, strengthening relationships, and helping more people feel at home in the communities they love.

We are so proud to amplify the shared mission that continues to guide everything we do, and we’re thankful to everyone who has been part of the journey.

Luminate Bank® is a proud recipient of two prestigious Freddie Mac Home Possible RISE Awards®, Home Possible Greatest Volume and Home Possible Fastest Growth.

05/22/2026

We're so excited to celebrate our team members who were recognized among the Top 250 Latino Agents and Mortgage Originators by the National Association of Hispanic Real Estate Professionals.
This achievement is a reflection of their commitment, dedication, and the strength of their partnerships. We couldn't be prouder of the difference they're making in the communities they serve.
Congratulations to each of our honorees on this well-deserved recognition!

05/21/2026

Refinancing isn’t always about chasing the lowest interest rate.
For many homeowners, it’s about creating more predictability, improving monthly cash flow, or aligning a mortgage with changing life goals.
In our latest blog, we explore what refinancing actually means, what to consider beyond the rate, and how to evaluate whether it fits your situation — without pressure or urgency.

Refinancing is rarely about chasing the lowest rate available. Focus on your broader goals and financial picture to make the best decision for your situation.

05/19/2026

Your mortgage journey starts long before you apply for a loan.

The right banking relationship can help you build stronger financial habits, grow your savings, and prepare for homeownership with confidence.

Because buying a home isn’t just a transaction — it’s part of your bigger financial picture.

If you’re thinking about purchasing, refinancing, or planning for the future, let’s talk about building a financial strategy that supports your goals both now and later.

05/15/2026

We’re honored to share that Luminate Bank® has been recognized with 8 Top Workplaces Culture Excellence Awards for 2026 — and this recognition belongs to the team members who bring our culture to life every day and continue to trust us with their careers.

This recognition spans eight areas that matter deeply to us:
> Employee Appreciation
> Compensation & Benefits
> Employee Well-Being
> Innovation
> Leadership
> Professional Development
> Purpose & Values
> Work-Life Flexibility

What makes this achievement especially meaningful is that it’s based on direct feedback from our team members. It reflects the voices, experiences, and trust of the people who support one another, shape our culture, and help move us forward every day.

This honor is for our team members — thank you for helping build a workplace grounded in growth, collaboration, purpose, and care for one another.