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    Luminate Bank

    3.4 (18 reviews)
    Closed Closed

    By appointment only

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    Services - Luminate Bank

    Business banking

    Mortgage services

    Mortgage refinancing

    3 More Services

    Personal banking

    Home purchase

    Treasury services

    Luminate Bank Photos

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    8 months ago

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    2 years ago

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    4 years ago

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    7 years ago

    Business owner information

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    Tim E.

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    11 years ago

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    7 years ago

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    8 years ago

    Business owner information

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    Tim E.

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    10 years ago

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    5 years ago

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    8 years ago

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    Tim E.

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    10 years ago

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    Ask the Community - Luminate Bank

    Review Highlights - Luminate Bank

    Tim and his team surpassed our expectations and made it very pleasant to walk through the process of buying a home.

    Mentioned in 4 reviews

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    TruStone Financial Credit Union

    TruStone Financial Credit Union

    (26 reviews)

    Uptown

    This is the worst financial institution I have ever dealt with. They charged me thousands of…read moredollars in fees on an auto loan and never made me aware. I called to have them reverse some of those fees and they refunded 1 30 dollar fee. Absolutely pathetic money grabbers. I would recommend any other bank to do business with.

    would give zero if allowed!! stopped in to inquire about a…read moreHELOC. met with Eric in Roseville (there should have been a "beware" sign above his desk.) I felt confident that we qualified because our mortgage balance was under approximately $50k on a house appraised at over $400,000, our credit scores were very good and excellent with the 3 major credit bureaus, credit card debt was low, and income was guaranteed with retirement & SS income, a large 401k and MN Deferred account, and veteran status. I have bought & refinanced 2 houses and had a paid off HELOC So was familiar with the processes. Eric seemed welcoming and stated after we gave him the above info, that he was confident we would be approved without any issues if all checked out. THEN THE NIGHTMARE BEGAN..... A check in call gave us a verbal approval on an amount to be determined. At no time did we receive a legally required "statement of loan amount, expected expenses, and other financial details". I brought this to Eric's attention after dragging out for several months of positive statuses from Eric. Shortly after that, we received a short blunt letter that we were not approved. Reasons given were low credit scores (mine was over 800 and my spouse's was high 700), too many late payments (not true) and a couple more unsubstantiated reasons. We were stunned especially after rechecking the major credit bureaus to find, nothing close to their reasons except Trustone's frequent hard credit checks that caused credit scores to lose almost 100 points each. Funny that this sudden disapproval happened only AFTER we sent a letter asking about the law required "statement of pre ESTIMATED loan & expenses". Oh, and one more thing, while we were opening an account, the person/teller didn't know what the process was. She kept asking us questions about info they already had AND she didn't seem to know their own process for opening an account. Mostly negative reviews on this business seems to show similar experiences. Their rating on Yelp is only 2 1/2 stars. we should have seen this before this Trustone nightmare -- well lessons learned!

    Luminate Bank - banks - Updated May 2026

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