

Michelle Oddo
Sr Mortgage Banker - Branch Manager | NMLS# 297239

At Luminate Home Loans, 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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We closed on time! Smooth!
Michelle Oddo is Amazing! Her service from start to finish is incredible! she is knowledgeable, lightning-fast with communication, and made the entire process so easy and personable. I Highly recommend her and her team!
Reply from Michelle Oddo
June 19th, 2026 08:31 AM
I'm grateful for your kind words, Tammy! I was happy to have been able to assist you and our wonderful clients! Love working with you!
Easy quick process
Reply from Michelle Oddo
June 19th, 2026 08:32 AM
Thank you Stephanie! Appreciate you and love that you’re a repeat client and that I got the opportunity to work with you again!
Michelle and Tim with The Oddo Group are truly exceptional, and we cannot recommend them highly enough. Michelle helped us buy a home together, and from start to finish, the entire experience was seamless, supportive, and filled with care....
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Reply from Owner
June 19th, 2026 08:36 AM
Sara, this means the world to me! I am so thankful for you and Josh and your trust in us and our team! We love you and are thankful for your friendship and our relationship both personally and professionally. I am so excited for you both to...
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I love working with the oddo Group team, they get me the info I need very quickly. Thank you!
Reply from Michelle Oddo
June 19th, 2026 08:38 AM
Thank you Brian! Appreciate you and your partnership! Love working with you always and love your passion and professionalism!
Michelle and her whole team were so kind, patient, and on top of things! They answered all of our questions and made sure we understood the entire process through our first home buying experience. Michelle went above and beyond to get our loan...
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Reply from Owner
June 19th, 2026 08:41 AM
Thank you Madeline! I am so happy I was able to make your dream home a reality and I’m thankful for the opportunity to have been able work with you! You guys were a joy! Best wishes for amazing memories in your new place!
Michelle and her whole team were so kind, patient, and on top of things! They answered all of our questions and made sure we understood the entire process through our first home buying experience.
Reply from Michelle Oddo
June 19th, 2026 08:42 AM
Thank you 🙏 I loved working with you and am thankful for the trust!
My first time buyers loved working with Michelle and team. Michelle did a great job alleviating concerns and helped make the overall experience positive for our clients.
Reply from Michelle Oddo
June 19th, 2026 08:43 AM
Thank you Kim! I was happy we got to work together to make it happen for them! You were wonderful to work with and I appreciate the trust and partnership! Let’s do it again! 🙌
This was a complicated transaction with a buyer living in Europe.
Michelle's level of knowledge and immediate communication was the best I have ever seen. I have a new favorite lender!
Reply from Michelle Oddo
June 19th, 2026 08:45 AM
Yay!! Thank you Barb! You were a great partner through this as well!! I was grateful to have been able to help and loved making it happen for Gretchen! Let’s do more magic together! 🎉🙌
Michelle and Team were very hands on as well as descript adn patient in teaching my new buyers about the different options and best selection for them to sue during thier first home purchase!
Reply from Michelle Oddo
June 19th, 2026 08:47 AM
Thank you Strawberry! I am grateful for the trust and partnership! You’re amazing to work with and I value you and your clients immensely! 🙏🙌 I also am thankful for your friendship! 💕
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About
At Luminate Home Loans, our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
VA Home Loans
FHA Home Loans
Jumbo Home Loans
Conventional Home Loans
DSCR Loans
No Ratio Loans
Bank Statement Mortgage Loans
First Time Homebuyer Loans
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Addresses and Serving Areas
Year Started
1987
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 297239
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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