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.


Our 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.

Urbina

Mortgage Loan Originator | NMLS# 321741

With a passion for helping clients navigate the home-buying process, Fernando brings both expertise and enthusiasm to their role as a Mortgage Loan Originator at Luminate Bank.


With years of experience in the mortgage industry, Fernando is dedicated to bringing transparency and clarity to each step, so you feel informed and empowered from start to finish. When Fernando isn’t helping clients reach their homeownership dreams, you can find them enjoying weekends with their family.


If you’re ready for a lending experience that puts you first, reach out to Fernando today—they’re here to help you every step of the way!