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!

A large group of people are posing for a picture under a tree.

Ryan Powers

Mortgage Loan Originator | NMLS# 2731610

Meet Ryan Powers – “The People’s Loan Officer”
With over 23 years in the mortgage industry and 14 of those spent as a mortgage underwriter. Ryan brings a rare insider’s perspective to every client he serves. After years of approving loans behind the scenes, he now uses that expertise on the front lines, guiding clients through the loan process with clarity, confidence, and care.


Whether you’re buying your first home, refinancing to access cash, or growing your investment portfolio, Ryan is committed to finding solutions and making the journey as smooth as possible. His guiding philosophy is simple: If there’s a way, I’ll find it!

๏ปฟ

When he’s not helping clients achieve their goals, you’ll likely find Ryan enjoying time with his family, out on the water fishing, catching a game, working out, or exploring new food spots, because for him, great times are as important as great mortgages.