get ready for
A lending team that’s focused on you.
At Luminate Bank, we’re redefining the home loan industry by ditching the old bad habits and bringing together a team with decades of experience. Our mission? To align with your vision and help you unlock your full potential through smarter finances.
>> Our Team
We believe lending should be easy to understand and approachable. With transparency and consistency at the heart of everything we do, we’re here to make sure every step is clear and every decision is made in your best interest.
๏ปฟOur goal is to keep you informed, engaged, and confident at every turn—so, let us introduce you to the staff who make it all happen!

Michelle Davidson
Mortgage Loan Originator | NMLS# 20502
For 24 years, I’ve been helping people buy homes, refinance, renovate, and build generational wealth through real estate. Your goals have always been my focus, and my priority remains making sure you have the knowledge, tools, and support you need to move forward with confidence.
Joining Luminate Bank allows me to serve you even better. You now get access to nationwide lending in all 50 states, a true 100% financing program available coast to coast, and flexible construction and renovation programs that make both new builds and makeovers more accessible. No matter where your next chapter takes you, you now have more options (and more support) than ever.
Whether you want to lower your payment, consolidate debt, or map out your next investment, you deserve a clear plan that fits your financial future.๏ปฟ




