Your Mortgage Department.Without the Overhead.
At Luminate TPO, we handle the hard stuff, so your team can focus on your members. We're not your typical TPO channel.
Why banks and credit unions choose Luminate TPO
You do not need a 50-person mortgage department to compete. We handle the heavy lifting — borrower communication, doc review, underwriting, compliance, and closing. Your members are served, your loan department isn't stressed. That's a win-win!
Sub-24 Hour Turn Times
Our underwriters review files the same day they hit the portal. No queues. No delays.
White-Glove Support
Your dedicated account team answers questions in minutes, not days. Phone, text or email.
Full Product Menu
From government loans to non-QM and Jumbo, one partner covers the full spectrum.
Compliant by Design
Built for small banks and credit unions with strict compliance, audit, and reporting requirements.
Meet Luminate Bank
The company behind Luminate TPO
Long before the Luminate Bank name existed, the foundation for its story was established in 1937 with the opening of a Minnesota state-chartered bank rooted in integrity, trust, and community service. Today, Luminate reimagines that legacy for the future.
An evolution took shape in the mid-2000s, when Eric Lovins and Taryn Reuter began building toward a different kind of financial services platform, one grounded in relationships and designed to give customers greater transparency and a clear path to long-term wealth.
In 2020, Taryn Reuter, Eric Lovins, and Thomas Payne acquired the bank and a mortgage company, ushering in a new chapter built around the Luminate name, inspired by the Latin root for "light." This defining chapter marked a renewed commitment to guiding people through complex financial moments, including homeownership, with clarity, transparency, and care. Over time, that approach helped grow the organization from a six-person operation into a nationwide network of more than 700 professionals.
In 2025, Luminate Home Loans and Luminate Bank came together under a single brand: Luminate Bank. Working alongside CEO Marc Campbell, a highly respected and experienced community banking executive, the leadership team is shaping the bank's next chapter by blending digital innovation with relationship-driven banking and expanding its ability to serve customers through a broader, more integrated suite of financial solutions.
The results have been significant. Bank assets have grown from $62 million to $500 million in five years, while mortgage originations expanded from $22 million to more than $4 billion in just over a decade. This exceptional growth is the result of building strong relationships and delivering long-term value to customers.
While much has changed since 1937, the goal remains the same: to build something enduring where people grow, customers feel genuinely served, and the future of banking is defined together.
Meet The 2 Mortgage Guys
The team behind Luminate TPO
Ryan Minick and Steve DeLon. The 2 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 & Senior Loan Officers at Luminate Bank, based in Kokomo, Indiana, 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.
Our TPO Partners
Banks and credit unions already outsourcing origination to The 2MG.
Partner Testimonials
Hear from the banks and credit unions already outsourcing origination to The 2MG.
"I have been working alongside Ryan & Steve for nearly a year now and they have been a real pleasure to work with. They do an excellent job of explaining the process in detail and breaking it down up front which makes for a smooth experience for their customers. They keep their customers informed of where they are at in the process through their constant communication and updates. Their knowledge and experience in the mortgage industry is second to none and I look forward to working with them for many years to come!"
"As a credit union, we needed a partner who understands compliance and member experience. Ryan and Steve deliver on both. Our member satisfaction scores jumped after we switched."
"Working with the 2 Mortgage Guys has been a positive experience, especially when it comes to communication. Compared to our previous TPO relationship we've worked with, they have been far more responsive and proactive in keeping us informed throughout the loan process. Their accessibility and follow-up help create a smoother experience for both our team and our customers."
"We have had the pleasure of working with Ryan and Steve as our Third Party Originators for government lending, and their partnership has been invaluable. Their communication is consistently strong, keeping our team informed throughout the process and ensuring a smooth experience for both our staff and our customers. What truly sets Ryan and Steve apart is their commitment to continuous improvement. They are always looking for ways to enhance efficiency, streamline processes, and create a better overall lending experience. Their proactive approach and willingness to collaborate have helped us achieve strong results in our government loan production. In addition, Ryan and Steve are incredibly accessible and responsive. Whether we have a complex scenario or the simplest question, they are always available to provide guidance and support. Their knowledge, professionalism, and dedication make them trusted partners, and we greatly appreciate the value they bring to our organization. We highly recommend Ryan and Steve to any organization seeking experienced, reliable, and customer-focused government lending professionals."
Loan Product Offerings
One login. One portal. Every product your borrowers need — from first-time buyers to investors and self-employed borrowers.
Ready to Offer More Loans?
Tell us about your institution and we will build a custom TPO package that fits your compliance stack and borrower profile.