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.

Mandy Pederson

Mortgage Loan Originator | NMLS# 653693

I have been in the mortgage industry as a residential loan officer since 2000. I understand that people live very busy lives and their time is precious, which is why clients like you are always my priority. You need a streamlined process and efficient, high-quality service? You’ve come to the right place.

I always take the time to get to know each and every one of my clients and their financial situations. And while my team and I specialize in residential home loans for real estate purchase and refinances, we can help find solutions for almost any mortgage situation. We’ll work together to align your short and long-term financial goals, getting you into your dream home that much faster. I’ll always be honest with you every step of the way, so you can feel confident that you’re in good hands.