A story of vision, trust, and building what’s next.
Luminate Bank’s story begins long before its name, back to 1937, when its doors first opened as Equity Bank with a commitment to serving communities with integrity and trust. That foundation still stands today, but what defines Luminate is how that legacy has been reimagined for the future.
That evolution took shape in the mid-2000s, when Eric Lovins and Taryn Reuter began building toward a different kind of financial services platform, one grounded in relationships and designed to give customers greater transparency and a clear path to long-term wealth.
In 2020, Taryn Reuter, Eric Lovins, and Thomas Payne purchased a bank and a mortgage company, rebranding them as Luminate Bank and Luminate Home Loans, names inspired by the Latin root for “light.” This defining chapter marked a renewed commitment to guiding people through complex financial moments, including homeownership, with clarity, transparency, and care. Over time, that approach helped grow the organization from a six-person operation into a nationwide network of more than 700 professionals.
In 2025, Luminate Home Loans and Luminate Bank came together under a single brand: Luminate Bank. Working alongside CEO Marc Campbell, a highly respected and experienced community banking executive, the leadership team is shaping the bank’s next chapter by blending digital innovation with relationship-driven banking and expanding its ability to serve customers through a broader, more integrated suite of financial solutions.
The results have been significant. Bank assets have grown from $62 million to $500 million in five years, while mortgage originations expanded from $22 million to more than $4 billion in just over a decade. This exceptional growth is the result of building strong relationships and delivering long-term value to customers.
While much has changed since 1937, the goal remains the same: to build something enduring where people grow, customers feel genuinely served, and the future of banking is defined together.
