C
Chris Smith
Senior Loan Officer
At Luminate Bank our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way.
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I first started talking with Chris 3 years ago when i I was working at AT&T, he kept in touch with me since then and stayed patient the entire time. Chris is extremely knowledgeable and was clear that he is motivated to earn my business, which...
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Reply from Chris Smith
May 29th, 2026 09:40 PM
I truly value your feedback and appreciate you giving us the opportunity to help with your home lending needs.
Chris was friendly and caring. He helped me with some complicated challenges to get me qualified for the loan I needed.
Reply from Chris Smith
May 29th, 2026 09:40 PM
Thank you for your feedback. We’re always working to ensure a smooth process, and your input matters to us.
The loan process went fairly quickly but im glad we were kept in the loop on everything.
Reply from Chris Smith
May 29th, 2026 09:40 PM
Your review is appreciated. Thank you for the opportunity to be part of your home financing experience.
Chris Smith was such a pleasure to work with. His communication was great, and he explained each step of the home loan process as we moved through it. When little issues popped up, Chris went to bat for me. He was able to secure a great interest...
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Reply from Owner
December 14th, 2025 08:20 PM
Bobbie, I appreciate you sharing your experience. I'm glad to hear that the communication and guidance I provided made the home loan process smoother for you. Tackling those little issues is part of my commitment to helping each client, and...
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Chris Smith has received a review with 5 star rating from Charlie M
Reply from Owner
December 14th, 2025 08:20 PM
I appreciate your positive rating, Charlie. If you ever need assistance or have questions, I'm here to help.
Chris Smith has been a blessing to have in our side through out the years. Wish I could have known him sooner.
Reply from Chris Smith
May 29th, 2026 09:40 PM
Carlos and Donna, I'm truly grateful for your kind words. It's been an honor to support you over the years, and I genuinely value the trust you've placed in me. I'm glad that I've been able to be of help, and I look forward to continuing to...
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Chris was very helpful in explaining everything and addressing our concerns. He provided options for our situation. Hel kept us informed and promptly answered our calls and questions, and he was very pleasant to work with.
Reply from Chris Smith
May 29th, 2026 09:40 PM
Dennis, I’m really glad to know that I could assist you by explaining everything clearly and addressing your concerns. Providing options tailored to your situation is always my priority. It’s great to hear that you found our communication effective...
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chris as always went above and beyond to get us to closing, he kept us in the loop and was clear on what needed to be done. he is the only loan officer that worked hard to get us to closing where others had failed us. chris also has an amazing...
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Reply from Chris Smith
May 29th, 2026 09:40 PM
I'm thrilled to hear about your positive experience with the refinancing process, Edward. It was my pleasure to assist you and ensure everything went smoothly to closing. I appreciate your kind words about my efforts and our team's support....
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Had a wonderful experience with Chris! He was always available and very professional. I can't wait to close another loan with him.
Reply from Owner
June 17th, 2025 03:57 PM
I'm thrilled to hear about your wonderful experience, Colleen. It was a pleasure to assist you, and I look forward to helping you with your future buyers needs.
Chris Smith has been my go-to loan officer since my very first loan. I always shop around to stay competitive, but even when Chris is slightly higher in rate or cost, I still choose him. That’s because he consistently proves to be far more...
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Reply from Chris Smith
May 29th, 2026 09:40 PM
I'm thrilled to hear that I have been your go-to loan officer and that you continue to choose my services. Your trust in my expertise and responsiveness means a lot to me. It's wonderful to know that your real estate agent was impressed as...
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About
At Luminate Bank our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Luminate Bank is an Equal Housing Lender | Member FDIC
Luminate Bank | NMLS ID #1281698
2523 S Wayzata Blvd. #100 Minneapolis, MN 55405 | Phone (952) 698-3300
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