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.
Refined Lending is a division of Luminate Bank, a trusted provider of mortgage services. Our team of experienced professionals is dedicated to guiding customers through the mortgage process, whether they are looking to refinance or purchase a new home.
With a focus on personalized service and competitive rates, Refined Lending aims to help customers achieve their financial goals. Our mortgage experts are available to answer questions and provide tailored solutions to meet the unique needs of each client.
At Refined Lending, we understand that securing a mortgage can be a complex and stressful process. That's why we strive to make it as seamless and straightforward as possible for our clients.
By leveraging our industry expertise and cutting-edge technology, we are able to streamline the mortgage application and approval process, ensuring a smooth and efficient experience for our customers. Whether you're a first-time homebuyer or an experienced homeowner, our team is here to support you every step of the way.
Refined Lending offers a comprehensive suite of mortgage services, including refinancing and purchasing loans. Our goal is to provide tailored solutions that cater to the unique needs and financial situations of our clients.
From competitive interest rates to flexible loan terms, we work diligently to ensure that our customers have access to the best possible mortgage options. Our experienced team will guide you through the entire process, from application to closing, ensuring a seamless and stress-free experience.
At Refined Lending, we take great pride in the positive experiences our customers have had with our services. Our commitment to excellence is reflected in the many testimonials we have received from satisfied clients.
These testimonials serve as a testament to our dedication to delivering exceptional service and helping our customers achieve their homeownership goals. We invite you to explore these testimonials to gain a better understanding of the Refined Lending difference.