Welcome to Luminate Bank

Helping everyone achieve their financial goals.

At Luminate Bank, we believe in lighting the way to financial success. As a locally owned and managed bank, we’re dedicated to empowering individuals, families, and businesses with smart banking solutions.

Whether you're buying a home, growing a business, or simply looking for a better way to manage your finances, we're here to guide you with personalized support and innovative financial products.

Lighting the Way

Our Journey to Luminate Bank®

Our story began in 1998 with a simple but powerful vision: to make home financing more transparent, accessible, and customer-focused. Back then, we operated as AMEC Home Loans, building a reputation for integrity, expertise, and a commitment to putting homebuyers first.

Over the years, we grew—not just in size, but in impact. A dedicated leadership team, driven by the belief that lending should be clear, consistent, and empowering, transformed our company from a small but mighty team of six into a thriving network of 600+ professionals. Through every home loan closed and every dream financed, we stayed true to our mission: making the mortgage process simpler, smarter, and more personal.

In 2020, we embraced a bold new chapter by rebranding as Luminate Home Loans—a name that reflects our commitment to illuminating the path to homeownership. This wasn’t just a new logo or a fresh coat of paint; it was a renewed promise to our customers and partners. We challenged the status quo, streamlining the lending process, enhancing transparency, and reshaping the experience to put you—the homebuyer, the homeowner, the dreamer—at the center.

And now, in 2025, our evolution continues. We’ve officially become Luminate Bank®—a transformation that allows us to bring even more financial solutions under one trusted name. While our look has changed, our purpose remains the same: to be your guide in the financial world, providing clarity, confidence, and the kind of personal service that turns transactions into lasting relationships.

From our first loan in 1998 to the full-service financial institution we are today, we’ve always believed in lighting the way for our clients. And we’re just getting started.