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Refined Lending, a division of Luminate Bank, is a custom home mortgage team specializing in up-and-coming or established, urban and suburban neighborhoods in the Twin Cities. Our experienced team works closely to suggest the perfect mortgage for your unique lifestyle; a payment that fits within your budget. The choice to work with Refined Lending, a division of Luminate Bank, will make your next move a simple, streamlined and highly rewarding experience. Our in-house products such as new construction, purchases, and refinancing will allow us to assist every homeowner.

With Refined Lending, a division of Luminate Bank, you will work with one team from the pre-approval stage all the way through your final home closing. Refined Lending, a division of Luminate Bank, partners with highly sought-after real estate agents, and home builders to make sure you get the most current trends and technology, as well as superior products and workmanship.

Contact Refined Lending, a division of Luminate Bank, today to find out what makes us stand out from the competition! Reaching us is easy: