Insured Loans

A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.

All information is deemed reliable but not guaranteed. Neither mortgage company or website company shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend.

© 2025 All Rights Reserved | Luminate Bank | Privacy Policy | Company Licenses | NMLS Consumer Access

Documentation Stage

Appraisal Stage

Underwriting Stage

Conditional Approval Stage

Clear To Close Stage

Closing Stage

Minneapolis

St Paul

Duluth

Rochester

Blaine

Anoka

Coon Rapids

Edina

Elk River

Minnetonka

This is a loan production office of Luminate Bank.

Monday – Friday 9 am – 5pm

and/or by appointment.

NRaich@RefinedLending.com

(763) 784-8700

(651) 283-1305

9240 Baltimore Ave NE #110
Blaine, MN 55449