

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
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Michael and his team were able to handle a last-minute title issue for the buyers. We were still able to close on time.
Communication was very good. The process was personal. I felt good about the number of people involved. It went pretty smoothly and worked out as planned.
Transparency, responsiveness, friendliness/support
Patrick was excellent to work with—extremely knowledgeable and great communication. It was an absolute pleasure working with the Luminate team.
Reply from Owner
June 2nd, 2023 12:22 PM
Zach - thank you so much for your business and for working with Patrick White of the PJ Mortgage Team here at Luminate. Congrats on your home purchase!
I felt like all of my questions were listened to, appreciated, and given thoughtful responses. The entire closing process went smoothly and the team helped me through the tedious aspects of gathering the documentation needed for underwriting...
read more
The timely updates are always appreciated in our business.
I love teams that carry a ton of experience and knowledge with their business that ultimately results in clients maximizing their capability. Michaels’s team gave me the control I needed so I could give my family the best I could.
Amazing communication, even at off hours. Full transparency and expert advice throughout.
Extremely open communication, answered all of our questions quickly, lots of team members to help, the process went so smoothly & we were able to close early because they were so on top of things!
Hood customer experience
301–310 of 1191
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
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
©2025 All Rights Reserved Licensing | Privacy | Contact Us