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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Chris was great to work with!
Reply from Chris Smith
May 29th, 2026 09:40 PM
Hi Anthony and Anna,
Thank you for letting me help with your recent purchase. It was great to work with both of you.
Chris
No communication skills. Never would call us back. Always said he was on the phone. I would not recommend him at all. We started in Oct 2024. Was told would close December. Never happened. He put us in a terrible bind. He added more stress...
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Reply from Chris Smith
May 29th, 2026 09:40 PM
Thank you for sharing your feedback with us Joli. We always aim to provide top-notch service and understand that it’s disappointing when we’re unable to find a solution for a unique situation.
We highly recommend Chris! This is the 2nd transaction he's handled for us & he is very professional & detail oriented. He went above & beyond to get this deal closed.
Reply from Owner
March 26th, 2025 11:39 PM
Thank you, Sharon, I was very happy to help you and your family.
Chris
Chris smith is an absolute great guy to work with! Very straight forward , everythlong done in timley fashion and closed for us on our deal in less then 2 weeks! I'm going to 100% recommend him to anyone I know!
Reply from Chris Smith
May 29th, 2026 09:40 PM
Thank you so much, Darrin! It was a pleasure working with you and helping you close on your deal so quickly. I'm thrilled to hear that you had a positive experience, and I truly appreciate your recommendation. If you ever need anything in the...
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Chris is a great, experienced lender who is trustworthy to get the job done! I hope to work with you again soon!
Reply from Owner
March 3rd, 2025 05:38 PM
Thank you so much, Woody! I'm really glad to hear that you had a positive experience. It was a pleasure working with you, and I look forward to the opportunity to assist you again in the future. Let's stay in touch!
Chris was very responsive and eased my mind when obtaining my first home loan. I would highly recommend to anyone looking for a loan.
Reply from Chris Smith
May 29th, 2026 09:40 PM
Tanya, I'm thrilled to hear that I could make your first home loan experience a positive one. Helping you feel at ease throughout the process was my top priority. Thank you for recommending me and for your kind words. Wishing you all the best...
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Chris Smith with Northpointe Bank recently helped me to obtain my first home mortgage. Chris was very responsive, efficient, and even helped to close my purchase earlier than scheduled. I was so happy with his service. I highly recommend Chris...
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Reply from Owner
March 3rd, 2025 05:40 PM
Thank you for the kind words, Tanya. It was a pleasure to work with you.
Chris
I appreciated Chris’s professionalism- we used him as a lender of last resort and he got the job done
Reply from Owner
February 28th, 2025 04:59 AM
Hi Riley, Thanks for bringing me in to help with your transaction. I'm glad we got this done.
Great to work with . Got the job done
Reply from Chris Smith
May 29th, 2026 09:40 PM
Thanks Jessica, Glad to help you and your family with the purchase of your first home.
Chris
After having an awful experience with the lender we were initially closing with, Chris was referred to us by our realtor. We switched to Chris and northpointe bank and he had our loan cleared to close in two weeks. We are so grateful for him...
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Reply from Owner
February 25th, 2025 06:01 PM
Jessica, thank you so much for your kind words! I'm really glad I could help turn your experience around and get you into your new home quickly. It was a pleasure working with you, and I'm grateful for the opportunity to assist you in this...
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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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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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