

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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Reviews from Web
Michael & his entire team are the best of the best! Their attention to detail & communication is unmatched! Thank you all for another smooth closing!
Working with Michael & his team at Luminate Bank, I have found nothing but sincerity in the way they work with each individual within a transaction. They take the time to teach those with little to no experience in the home loan process and...
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Reply from The Michael Creed Team
December 5th, 2025 04:42 PM
It's great to hear that you had such a positive experience working with my team and I here at Luminate Bank. We always strive to provide sincere and personalized assistance to everyone involved in the home loan process, whether they are new...
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Your team was very knowledgeable and helpful. This being our first home we had a lot of questions and y'all answered them with good detail. Even with the months that we didn't find anything you still reached out and asked how the house hunt...
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Reply from Owner
December 5th, 2025 04:43 PM
It's wonderful to hear that you felt supported by our team during your home buying journey. We're grateful for the opportunity to assist and answer your questions along the way. Your satisfaction is important to us, and knowing you felt backed...
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Your team was very knowledgeable and helpful. This being our first home we had a lot of questions and y'all answered them with good detail. Even with the months that we didnt find anything you still reached out and asked how the house hunt...
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Reply from The Michael Creed Team
December 5th, 2025 04:44 PM
We're grateful for your kind words, Jeremiah. It's important to us that you felt supported throughout your home-buying journey. Our aim is always to provide detailed guidance and stay connected, even during the quieter moments. Wishing you...
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Between the weeks of not hearing anything from you guys, to having my mortgage sold less than 2 weeks after closing, I'm not sure which is worse. Michael you tried to salvage what you could. I wish you and your family nothing but the best,...
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Reply from Ashley Mcginnis
November 26th, 2025 04:16 PM
We regret that your experience with Luminate did not meet your expectations and appreciate you sharing this feedback with us.
The team was all very friendly and helpful! As first-time home buyers, they were able to explain each step of the process to us. They are very attentive to any emails/texts/calls and made us feel like we were their only client at the time....
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Reply from Owner
December 5th, 2025 04:44 PM
Your feedback is greatly appreciated, Quinn. It's fantastic to know that our team could assist you effectively on your journey as first-time home buyers. We take pride in making sure each client feels supported and informed throughout the process....
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The team was very welcoming and friendly! They made me feel like I am their only customer and were very attentive to respond to emails/calls/texts. They made sure we understood each step of the way, which was great as first-time home buyers!...
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Reply from The Michael Creed Team
December 5th, 2025 04:44 PM
We're pleased to hear you had a positive experience with our team at Luminate Bank. It's important to us that every customer feels valued and informed, especially during such an important process. We're delighted that our efforts in communication...
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Working with The Michael Creed Team was an absolute pleasure! Clear communication, quick responses, and a smooth process from start to finish. I highly recommend them!
Reply from The Michael Creed Team
November 24th, 2025 01:50 AM
We truly appreciate your kind words, Patti. It's great to hear that our team was able to provide clear communication and a smooth process for you. Your recommendation means a lot to us, and we're glad we could assist you successfully. If you...
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Great communicaation, efficient process, as ususal! I am a repeat customer, and will continue reccomending Michael Creeds team!
Reply from The Michael Creed Team
November 24th, 2025 01:51 AM
We're grateful for your continued support and kind words, Pam. It's a pleasure to have you as a repeat customer, and we're pleased to know that our communication and efficiency have met your expectations. Thank you for recommending The Michael...
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Michael and the team were very easy to work with and swift in answering any and all questions. I was always confident that everything that needed to get done was getting done, without me having to worry about it at all. They made the whole...
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Reply from The Michael Creed Team
November 24th, 2025 01:53 AM
We're pleased to hear that you found working with my team and I to be easy and efficient. It's great to know that everything was taken care of promptly, allowing you peace of mind throughout the process. We appreciate your positive feedback...
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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.
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FHA Home Loan
VA Home Loan
Jumbo Home Loan
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Mortgage Lending
FHA Loans
VA Loans
Government Loans
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First Time Homebuyer 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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