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!

Matt Desantis
Mortgage Loan Originator | NMLS# 397071
Matthew DeSantis brings more than 10 years of experience to the mortgage banking industry. His first position was with a HUD – Sponsored counseling agency assisting homeowners to prevent foreclosure and negotiate loan modifications during the Financial Crisis of 2008. Following his non-profit work, Matthew worked for Primary Residential Mortgage and NJ Lenders Corp. before joining Luminate. Matthew is fluent in both spoken and written Spanish. Matthew has originated loans in the New York, New Jersey, Pennsylvania, and Florida areas.
Matthew DeSantis aporta más de 10 años de experiencia a la industria de la banca hipotecaria. Su primer puesto fue en una agencia de asesoramiento patrocinada por HUD que ayudaba a los propietarios a evitar ejecuciones hipotecarias y negociar modificaciones de préstamos durante la crisis financiera de 2008. Después de su trabajo sin fines de lucro, Matthew trabajó para Primary Residential Mortgage con sede en California como asistente y traductor del oficial de préstamos. antes de transferirse a NJ Lenders Corp. Matthew habla español con fluidez tanto hablado como escrito. Matthew ha originado préstamos en las áreas de Nueva York, Nueva Jersey, Pennsylvania, y Florida.