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!

Mandy Pederson
Mortgage Loan Originator | NMLS# 653693
As a Senior Mortgage Loan Originator with Luminate Home Loans, I’m ready to help you. I’m a licensed mortgage professional in most states: AL, AZ, AR, CA, CO, CT, FL, ID, IL, IN, IA, KS, KY, MA, MI, MN, MO, MT, NH, NJ, NC, ND, OH, OK, OR, SC, SD, TN, TX, VA, WA, and WI. Check back frequently as we continue to expand!
A little bit about my personal life: I live in Maple Grove, MN with my husband, Greg; my son, Nick; daughters, Hannah and Ella; our Cavalier King Charles Spaniels, Bailey, Maggie, and Lily; and a cat named Shadow. We love to spend time at our cabin in Crosslake boating and enjoying the sunshine. I can also be found watching my kids at hockey, softball, and golf events 😊
What Our Clients Are Saying About Mandy Pederson & the MN Mortgage Team
We don’t like to brag, but our clients are awesome and love leaving us amazing reviews. We could keep going and tell you about our services and how we can help you, but why not learn this from the words of our clients instead? Keep scrolling to check out our reviews, and if you feel inclined, drop a review for us as well!