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Luminate Bank - Smithtown, NY
Smithtown, NY

At Luminate Bank 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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Richard was extremely helpful throughout the entire process. He was knowledgeable, responsive, and made everything easy to understand. I truly appreciate his professionalism and would highly recommend him!
Ease of application process. Communication was on point!
Kindness, professionalism, fast response
Reply from Gregg Marks
August 31st, 2026 03:20 PM
It was a pleasure working with both you and John. Congratulations on your new home. Thank you for trusting me with your financing needs. Please don't hesitate to reach out anytime with any questions.
I cannot recommend Richard Sciarrone at Illuminate Bank highly enough. I’ve worked with Richard on multiple mortgages over the years, and every single experience has been exceptional. No matter how straightforward or challenging the situation,...
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Our whole process went smoothly, Gregg was always there for any help ,questions and concerns we had.
Reply from Gregg Marks
July 24th, 2026 03:08 PM
Jessica, I'm glad to hear that your process went smoothly and that I could be of assistance with your questions and concerns. Thank you for sharing your positive experience with Luminate.Bank!
This was my first time working with Mike and I can honestly say it was a very smooth process ! Mike was very responsive since the beginning and was always able to answer any questions I had! He worked great alongside my attorney and my real...
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Reply from Michael Campites
July 23rd, 2026 01:27 PM
Thank you Crystal! I hope you are settling in to your new home!
As a first-time homebuyer, I really appreciated having someone to walk me through the entire mortgage process. Gregg was responsive, available, patient, and ensured I was informed from start to finish.
Reply from Gregg Marks
July 24th, 2026 03:07 PM
Kristina, I'm grateful for your kind words and pleased to hear that I could assist you through the mortgage process. It's great to know that my support and availability made your experience as a first-time homebuyer a positive one. If you have...
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Rich worked diligently to expedite the processing of my mortgage application. He did a great job of responding to my questions and kept me updated as to status.
Rich was very knowledgeable, responsive and helpful!
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About
At Luminate Bank 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
Time Zone
Eastern Standard Time (EST)
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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