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A lending company that puts people first.


At Refined Lending, we improve mortgage lending by putting people first.

Our people are what set us apart. We’re a team of strategic thinkers with technical expertise, who solve complex business challenges. Our clients rely on us to provide insightful solutions and develop digital strategies that drive real growth. Our approach is centered around our belief that every challenge should be addressed with the user in mind.

Collectively, we are building a culture where growth is promoted, time is treated with intention and purpose, and you have the ability to maintain a healthy work-life balance.

Our Expectations

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Time Off

We offer unlimited PTO at Refined Lending powered by Luminate Home Loans.

Holiday Pay

We offer 9 paid holidays each year.

401k Retirement Plans

Full-time employees can contribute pre-tax dollars from each paycheck in the Refined Lending | LHL-sponsored 401(k) investment plan.

Health Plans

We offer options for FSA plans, HSA plans, Vision, Dental, and Four different medical plan options for healthcare insurance.


Creating a culture of authenticity, empathy, and ingenuity.

We are a close community of mortgage bankers working to ensure the mortgage process is as smooth as possible – working side by side to enhance process, drive progress, and make an impact together. Below are just a few examples of how we create this incredible culture.


We offer a full support team with platforms that make it easier for YOU to grow.

Structural Bonuses

If you’re working hard, you should be rewarded. We have a structural bonus system in place that rewards our top earners and producers.

Team Training

We offer team trainings twice a month so YOU can provide MORE to your clients and business partners!

The Refined Difference

Work Hard, Stay Humble. We pride ourselves on providing education and OPTIONS to our clients and business partners.
You are MORE than a transaction to us, we want to be MORE than a Mortgage to you!

Our Approach to Career Development

We take care of our people, so they can take care of business. Your professional growth, technical training, and healthy work-life balance are our top priority.

Regular Conversations

As mortgage bankers, we know that communication is key and conversations are capital. That’s why we ensure you always have bi-weekly meetings with your manager to discuss career development progress, goals, and opportunities.

Access To Leadership

Beyond regular reviews and regroups with your team, all employees have access to leadership. A great example of this is one on one meetings with one of our partners at your three month and nine month anniversary.


We have developed industry leading support for onboarding and ongoing training. We teach the skills best learned on the job and provide resources to learn the skills as you go. Everyone is trained to be creative problem solvers and to be experts in the individual tools and disciplines necessary to fulfill client needs.

Growth Incentives

When it comes to growth, your timeline is your own and your growth is honored. When you take on new responsibilities and increase your impact on our business, it’s recognized and celebrated. We offer incentives to continue to motivate you to break your records and surpass your goals.

Join our team of top talent mortgage experts.

Apply today! Send your cover letter and resume to Area Manager Bob Wilkerson at or Office Manager Kelly Tollefson at

Blaine | Forest Lake | Baxter

© Refined Lending powered by Luminate Home Loans , N.A. NMLS 150953

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