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 24 years in the mortgage industry and experience serving more than 8,000 families, I bring strategic insight and a deep understanding of the approval process to every transaction. I structure loans effectively, anticipate challenges before they arise, and guide clients from application to closing with clear communication, confidence, and care delivering a smooth, seamless lending experience built on expertise and trust.๏ปฟ


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!


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.