A logo for luminate bank with a colorful circle in the middle.
FDIC logo with text
Apply for a Mortgage
Open an Account
Login
  • BANKING
  • HOME LOANS & MORTGAGE
  • ABOUT US
  • CONTACT & SUPPORT
  • Home
  • Personal Accounts
    • Brighter Checking
    • Radiant Savings
    • CDs & High-Yield Savings
    • HSA Accounts
  • Digital Banking Tools
    • Online Banking & Mobile App
    • Digital Wallet
    • Zelle®
    • Bill Pay
    • Intrafi
    • Conversations
    • Budgeting & Financial Tools
    • Deposit Interest Calculator
  • Business & Nonprofit Banking
    • Business Banking
      • Business Checking
      • Business Savings
      • Business Lending
      • SBA Loans
    • Commercial & Treasury
      • Treasury Management
      • Title & Escrow
  • Home Loans & Mortgages
    • Loan Options
      • Conventional, FHA, VA, USDA
      • Jumbo Loans
      • Non-QM
      • Construction Loans
      • Renovation Loans
      • Reverse Mortgages
    • Refinance & Equity
    • First-Time Homebuyer Programs
    • Loan Process Overview
    • Find a Loan Officer
    • Apply for a Mortgage
  • Resources & Learning
    • News & Updates
    • Calculators
    • Glossary & FAQs
  • About Us
    • Our Story
    • Leadership
    • Community Impact
    • Careers
  • Contact & Support
    • Contact
    • Loan Production Offices
    • Find an ATM
    • Mortgage Customer Login
    • Make a Payment
    • Online Banking Login

Have a question or concern for our team? We're ready to help!

Let's Talk
A white background with a rainbow colored circle on it.

Corporate Headquarters 

2523 S. Wayzata Blvd., Ste 100

Minneapolis, MN 55405

Headquarters Hours:

Monday to Friday

8:30am to 5pm (Central)


Bank Lobby Hours

About Us

  • Home
  • Our Story
  • Leadership

Resources

  • Online Banking Login
  • Treasury Account Login
  • Make a Mortgage Payment
  • Pay Luminate Bank
  • Reorder Checks
  • Find an ATM
  • Deposit Rate Sheet

Legal

  • Privacy Policy
  • Company Licenses
  • Security
  • Zelle®
  • SMS Opt-In
  • CRA Public File
Open An Account
Download the App
White space with subtle vertical lines.
© 2025 

All Rights Reserved | Luminate Bank | NMLS#1281698 | Privacy Policy | Company Licenses | NMLS Consumer Access

Mortgage Banking Products are not FDIC Insured

This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.

This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.

Personal Accounts

  • Brighter Checking
  • Radiant Savings
  • CDs & High-Yield Savings
  • HSA Accounts
Open An Account Online
Pay a Bill Online
Treasury Account Login
Business & Nonprofit Banking

  • Business Checking
  • Business Savings
  • Business Lending
  • SBA Loans
CDs & Treasury Management

  • Treasury Management
  • Title & Escrow
  • Business Banking

Digital Banking Tools

Online Banking & Mobile App
Digital Wallet
Zelle®
  • Budgeting & Financial Tools
  • Deposit Interest Calculator
  • IntraFi® Network Deposits
  • Conversations
Get more banking insights on our blog →

This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.

This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.

Loan Options

  • Conventional, FHA, VA, USDA
  • Jumbo Loans
  • Non-QM
  • Renovation Loans
  • Construction Loans
  • Reverse Mortgages
  • Refinance & Equity
  • First-Time Homebuyer Programs
  • Loan Process Overview
Get Pre-Qualified
Find a Loan Officer
Wholesale Options

  • Reverse Wholesale
  • Non-QM Wholesale
Explore By Life Stage

  • Buy, Upgrade, or Refinance Your Home
  • First-Time Homebuyers & Financial Starters
  • Real Estate Investors & Self-Employed Borrowers
  • Retirement-Ready Banking & Reverse Mortgages
  • Everyday Banking Made Brighter
  • Non-Profit & Community Banking

Mortgage Tools

Mortgage Calculators
Glossary & FAQs
Get more banking insights on our blog →

This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.

This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.

About Us

  • Our Story
  • Leadership
  • Community Impact
  • Careers

Digital Banking Tools

Online Banking & Mobile App
Digital Wallet
Zelle®
  • Budgeting & Financial Tools
  • Deposit Interest Calculator
  • IntraFi® Network Deposits
  • Conversations

Mortgage Tools

Mortgage Calculators
Glossary & FAQs
Get more banking insights on our blog →

This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.

This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.

Contact & Support

  • Contact
  • Find a Loan Officer
  • Loan Production Offices
  • Find an ATM
Make a Payment
Online Banking Login

Digital Banking Tools

Online Banking & Mobile App
Digital Wallet
Zelle®
  • Budgeting & Financial Tools
  • Deposit Interest Calculator
  • IntraFi® Network Deposits
  • Conversations

Mortgage Tools

Mortgage Calculators
Glossary & FAQs
Get more banking insights on our blog →