

The Michael Creed Team
Branch Director | NMLS# 50441


University of Wisconsin Milwaukee
At Luminate Home Loans, our mission is to unlock a person's full potential through finances, and provide them with clarity at every step along the way.
We make lending approachable by bringing transparency and consistency to every part of ... Show More
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Clear respectful communication
The Michael Creed Team has received a review with 5 star rating from Jacob K
The Michael Creed Team has received a review with 5 star rating from Bec B
Alex’s team is amazing! We worked together with a mutual client on the purchase of their new home and Alex made sure they were informed and prepared to move forward as soon as they found the right home. The entire transaction went smoothly...
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Reply from Owner
January 16th, 2026 10:14 PM
Thank you so much, Erin! We really appreciate the kind words and the opportunity to work together on a shared client. Alex takes great pride in keeping clients informed and prepared, and it’s wonderful to hear how that translated into a smooth,...
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Great experience all around.
The Michael Creed team has displayed the highest level of service and professionalism I have ever experienced. I hope to work with them again in the future!
Reply from Owner
July 31st, 2025 08:19 PM
Thank you so much, Mary! We enjoyed working with you, too!
I have been a Realtor for over 30 years. I have worked with many, many lenders with our mutual clients. Michael Creed and his entire team provided THE most thorough and stellar communication I have ever experienced in my (well over) 1,000+...
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Alex and his team were fantastic! They communicated promptly and effectively every step of the way. They were helpful with explanations as well as guidance through the process. We would highly recommend using them to everyone.
Reply from Owner
January 16th, 2026 10:14 PM
Thank you so much, Lisa! We truly appreciate the kind words. Clear communication and thoughtful guidance are priorities for Alex and the entire team, so it’s great to hear that reflected in your experience. We’re grateful for the recommendation...
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Communication and Michelle is awesome!
great experience and ease with paperwork.
The team is very good at answering any needed questions and making sure we stayed on track to close on time
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About
At Luminate Home Loans, our mission is to unlock a person's full potential through finances, and provide them with clarity at every step along the way.
We make lending approachable by bringing transparency and consistency to every part of the financial world - guiding people to decisions that they feel are in their best interest.
It's our goal to help you feel informed and engaged at every turn.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Construction Loan
Bridge Loans
Medical Professional Mortgages
Adjustable Rate Mortgages
Non-QM
Specialities
Mortgage Lending
FHA Loans
VA Loans
Government Loans
Purchase Loans
Refinance Loans
First Time Homebuyer Loans
Conventional Loans
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Education
- University of Wisconsin MilwaukeeBusiness Administration / FinanceBachelor of Business Administration (BBA)Sep 1999 -Dec 2003

Year Started
2004
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 50441
Disclaimer
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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