The team behind Luminate TPO
Ryan Minick and Steve DeLon. Two Mortgage Guys. One Mission. We've worked side-by-side since 2005 with one goal... Help people make smarter home financing decisions. Over the last two decades, we've helped thousands of families purchase homes, refinance, build wealth, and navigate one of the biggest financial decisions of their lives. Along the way, we've learned something important. Getting a mortgage is easy. Getting honest advice is much harder. That's why we created The 2 Mortgage Guys. Not as a business slogan. But as a promise.
Experience Matters. Combining decades of mortgage experience with one shared philosophy: Treat every client the way we'd want our own family treated. Today, we're Branch Managers with Luminate Bank, licensed in all 50 states, with access to virtually every major residential mortgage program available. More importantly, we've built our business almost entirely through repeat clients, referrals, and one of the strongest collections of Google reviews in our market. That trust means everything to us.
Behind every great mortgage experience is an exceptional support team.
Kelly Hodges, our Licensed Loan Partner, has been with us for more than 8 years. Kelly works closely with our clients from the very beginning, helping structure loan applications, explain financing options, gather documentation, and keep everyone informed throughout the process. Her friendly personality and outstanding communication help make what can feel like a complicated process much easier.
Angela Kellar, our Senior Loan Processor, has been an essential part of our team for more than 10 years. With extensive knowledge of mortgage guidelines and underwriting requirements, Angela works behind the scenes to ensure every loan moves through processing as efficiently and accurately as possible. Her attention to detail and commitment to getting loans to the closing table are invaluable to both our clients and referral partners.
Together, we've built a team where experience matters, communication comes first, and everyone shares the same goal:
Delivering an exceptional mortgage experience from your first conversation through closing—and beyond.
Hear from the banks and credit unions already outsourcing origination to The 2MG.
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One login. One portal. Every product your borrowers need — from first-time buyers to investors and self-employed borrowers.
Tell us about your institution and we will build a custom TPO package that fits your compliance stack and borrower profile.
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