Your One-Stop Shop for Specialty Lending

Specialty lending solutions built to help brokers close more deals with confidence.

Why partner with Luminate Bank?

Stop wasting time chasing lenders when your borrower’s scenario changes. At Luminate Bank, you don’t have to start over. Our underwriting team looks at every file with fresh eyes and works to place your borrower in the right product at the right price.


We understand the challenges of today’s lending environment—tight timelines, complex borrower profiles, and ever-changing program guidelines. That’s why we’ve built our Non-QM platform to be flexible, responsive, and fully broker-friendly.

Specialty Programs

We specialize in the loan types that keep your business competitive.


With our broad menu of Non-QM products, you’ll have options at your fingertips no matter how unique the borrower’s situation.

  • Alt-Doc – Bank statement, 1099, P&L, Asset Depletion, Asset Utilization
  • DSCR – Aggressive LTVs, DSCR below 1.0, STR rental income allowed
  • Jumbo – Use the primary wage earner’s FICO for streamlined qualification
  • Second Liens & HELOCs – Flexible equity solutions for borrowers who want to tap into home value

How to Get Started

  1. Get Approved – Connect with us on the contact form below to begin the onboarding process.
  2. Log In – Use your credentials to access TPO Connection for pricing, guidelines, and locks.
  3. Structure the Deal – Lean on our Non-QM team for scenario support; we’ll help you place the loan at the right price.

Pricing & Guidelines

  • Live Pricing: Quickly access rate sheets and run scenarios through our broker portal.
  • Guidelines: Full product matrices and overlays are available inside TPO Connection.
  • Scenario Desk: When in doubt, send us the file—we’ll work to find a solution.

Connect with our Non-QM team!

Tell us about your scenario and how we can help. We’ll get back quickly with options or next steps.

Contact Us