Scott Mertens
Branch Manager NMLS# 32274
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.
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Scott Mertens has received a review with 5 star rating from Ravi P
If not for Scott I wouldn't have a home of my own right now. Thank you so much Scott !! It was a pleasure to have you on our team.
Reply from Scott Mertens
June 2nd, 2026 02:48 PM
Thanks, Ravi! It was great working with you, and I'm glad I could help make everything go smoothly. I appreciate your trust and hope you're loving your new home!
Scott was extremely knowledgeable and walked me through my options and presented loans that I was not aware was available to me and helped me through the entire application process and was very available when I had questions or concerns.
Reply from Scott Mertens
June 2nd, 2026 02:46 PM
Thank you, Cheryl. I truly appreciated the opportunity to work with you and help guide you through the mortgage process. Congratulations, and I wish you all the best in your new home!
Knowledgeable and went into the perfect level of detail explaining the whole home buying process.
Reply from Scott Mertens
June 2nd, 2026 02:44 PM
Thanks so much, Trent! I really appreciate you trusting me throughout the process. Congratulations on your new home!
Scott Mertens has received a review with 5 star rating from Lechelle C
Great communication and very smooth process from beginning to end.
Reply from Scott Mertens
April 13th, 2026 08:53 PM
Thank you, Lechelle — I really appreciate it!
I’m glad I could help, and I’m always here if you need anything down the road.
Wonderfull experience from beggining to end. Scott is so friendly and knowledgeable of the loan process. He responds quickly and always makes sure that you feel as though you are his only client. Highly recommend Scott if you are looking to...
read more
Reply from Scott Mertens
April 13th, 2026 08:59 PM
Thank you so much, Linda! It means a lot — really glad I could make things a little easier. Don’t hesitate to reach out if you ever need anything.
Scott was awesome
Reply from Scott Mertens
April 13th, 2026 09:01 PM
Appreciate this, Eric! I’m glad everything came together smoothly.
Scott was supportive through processes quick to respond to all needs. Mahalo Scott and team .
Reply from Scott Mertens
April 13th, 2026 09:04 PM
Mahalo Stacey! I really appreciate you recognizing the team — we’re glad to have helped make this a great experience.
Scott Mertens has received a review with 5 star rating from Andrew K ( K
31–40 of 509
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
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Construction Loan
USDA Loans
DSCR Loans
Bank Statement Loans
Mortgage Lender
Home Renovation Loan
Reverse Mortgage
Cash-Out Refinances
Non-QM
Mortgage for Foreign Nationals
Profit & Loss Only Mortgage
ITIN Mortgage Loans
Bank Statement Mortgages
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.
Year Started
2003
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 32274
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