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!
Nate Raich
EVP – Mortgage Lending | NMLS# 224046
Nathan Raich grew up on a dairy farm, in Meadowlands, MN. The value of a hard day’s work was engrained in him from the time he was born. His love for sales and finance occurred when he started selling furniture which made for a smooth transition into mortgage and real estate, where he found his niche.
He started as a Loan Originator over 20 years ago. Having a young growing family and being raised by an entrepreneur, this inspired and pushed him to branch out on his own and start his own brokerage. Nate was a one-man team, selling, originating, and processing mortgages from his home office while he built up his network. Eventually he was able to expand to a commercial office and hire a small staff (many of whom are still with him today) and partner with a great team of originators. Nate was awarded as being a Top 1% Mortgage Producer in the Country multiple times and continuously managed the top producing Branches.
In 2018, Nate’s goal of owning his own mortgage company came to fruition when he opened Refined Lending, a division of Luminate Bank. He began with 23 employees and one location in Blaine, MN. Even though the Company continues to grow and expand, the culture of a “family feel” has remained. Our motto is “Work Hard, Stay Humble.”
Having strong core values, a great working relationship with our Business Partners, being rooted and giving back to the community, and having amazing clients has contributed to the success of Refined Lending, a division of Luminate Bank.
