

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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The Michael Creed Team has received a review with 5 star rating from Travis G
You couldn't have made the process easier. The constant communication and status updates were great! The speed at which all the paperwork was updated and we were able to close after the contruction work was completed was amazing.
Alex was incredibly informative and engaged throughout the entire process making everything seemless. Would recommend him for any financing needs.
Calls to the Listing Agent advising of Buyer's capabilities and quick turn around on pre-approval letters make Luminate superior to other lenders. If this part of the process goes well and the Buyer writes a sound but creative offer, then its...
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The greatest mortgage application experience I have ever had. You won’t be disappointed!
Reply from Owner
January 16th, 2026 10:10 PM
Thank you so much, Ms. Campbell! That means a great deal to us. We put a lot of intention into making the mortgage process clear, smooth, and supportive, so hearing this truly affirms the work our team loves to do. We’re grateful for the opportunity...
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The level of mortgage industry expertise and professional service was outstanding. The application process is easy to understand and the staff keeps documentation flowing efficiently. This whole experience was amazing.
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Absolutely stellar team that goes above & beyond with genuine care and acute attention to detail to make every transaction an exceptional one! Not just financially, but emotionally too - they know it's so much more than just real estate. Truly...
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Reply from Owner
January 16th, 2026 10:09 PM
Thank you so much for taking the time to share this. That truly means more than you know. Buying or financing a home is never just a transaction, and it’s incredibly affirming to hear that the care, intention, and attention our team puts into...
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For me personally, this was a very long exhausting endeavor on my part and each member of this team displayed diligence, motivation, professionalism, and all the proper aspects that made it all come together. As aer, I ha choice of choosing...
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The team was professional. They did awesome job to help me get my loan approved. Thank you!
Thank you ALL for a smooth transaction for my client from start to finish! I look forward to working with you all more in the future and highly recommend Michael & his team!
Reply from Owner
January 16th, 2026 10:11 PM
Thank you, Cory! We truly appreciate the trust you place in us and the opportunity to support your client from start to finish. Strong partnerships make all the difference, and we’re grateful to work alongside professionals who care as deeply...
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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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