Set a target rate and get notified when it’s time to refinance and save! Refined Lending, a division of Luminate Bank,’s Rate Alert helps you stay ahead of the market and could save you thousands over the life of your loan. Not sure what rate to aim for? We’ll help you find the right target. No sensitive info is needed – just your contact details and current mortgage rate to get started.
Hours:
Monday – Friday: 9 am – 5 pm
© 2025 All Rights Reserved | Luminate Bank | Accessibility Menu | Privacy Policy | Company Licenses | NMLS Consumer Access
This is a loan production office of Luminate Bank.
© 2026. Website by LoanSites.
At Refined Lending, we offer a variety of mortgage options to meet your needs. Whether you're looking to purchase a new home or refinance your existing one, we have solutions tailored to your financial situation.
Our mortgage experts can guide you through the different loan programs, including conventional, FHA, VA, and jumbo loans. We'll work with you to determine the best fit based on your goals, credit profile, and financial capabilities.
If you're considering refinancing your home, Refined Lending can help you explore the benefits and find the right refinancing solution. We'll review your current mortgage terms, interest rates, and equity to identify opportunities that could lower your monthly payments or access cash for home improvements or other needs.
Our team will walk you through the refinancing process, ensuring you understand the costs and requirements, and providing personalized recommendations to help you make an informed decision.
Applying for a mortgage with Refined Lending is a straightforward and convenient process. Our online application allows you to submit your information securely and track the status of your loan from start to finish.
Our dedicated loan officers are available to assist you throughout the application process, answering any questions you may have and guiding you through the required documentation. We're committed to making your home financing experience as seamless as possible.
At Refined Lending, we understand that navigating the mortgage and refinancing landscape can be complex. That's why we're here to provide personalized support and guidance every step of the way.
Our team of experienced professionals is dedicated to answering your questions, addressing your concerns, and ensuring you have a positive experience. Whether you need assistance with the application process, have inquiries about your loan status, or simply need clarification on mortgage-related topics, we're just a phone call or email away.