It’s not just about buying a house—it's about lighting your way home.

Ready to make your homeownership dreams a reality? Luminate Bank is here to help you navigate the path to the right mortgage, from start to finish, with expertise, guidance, and a commitment to making the process smooth and clear.

A man and a woman are sitting on a dock overlooking a lake.

Hi, I'm Dave!

Over 40 Years of Mortgage Experience. Local Knowledge. Personal Service.


I'm sure our paths have crossed. 


For more than 40 years, I’ve helped individuals and families throughout Central Illinois navigate home financing and achieve their homeownership goals.


A longtime Bloomington-Normal resident, I offer decades of mortgage experience, local market knowledge, and a personal approach to every client relationship. I believe a mortgage should never be one-size-fits-all. Whether you're a first-time homebuyer, veteran, rural homebuyer, experienced homeowner or considering a refinance, I take the time to understand your goals and help you explore the financing options that fit your needs.


I am licensed to lend in all 50 states, with a primary focus on Illinois, Texas, Florida, Tennessee, Indiana, Missouri, Wisconsin, Arizona and Michigan.



A large part of my business comes from referrals from past clients, real estate professionals, financial advisors and other trusted partners. I consider those referrals one of the greatest compliments I can receive.


>> Our Products

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Conventional Loans

Conventional loans are a solid choice for many homebuyers, offering flexibility in property types, fee structures, and loan terms—perfect for those who want options.

FHA Loans

FHA loans make homeownership more accessible for low-to-moderate income buyers or those with less-than-perfect credit. With smaller down payment requirements and easier qualifications, FHA loans help open the door to homeownership for many.

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VA Loans

VA loans honor our veterans and active service members by making home loans more accessible. If you’ve served in the military, a VA loan could be the ideal way to simplify your home-buying journey.

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USDA Loans

USDA loans are designed for those looking to purchase in rural areas. Offered by the USDA, this option supports rural homebuyers with lower incomes, helping them find a place to call home where it matters most.

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“I had an excellent experience working with Luminate. They were professional, responsive, and made the entire process smooth and stress-free.”

Qaiser

“The whole Luminate team really pushed through when we needed to get things done on a timeline. I was really impressed!.”

Evan

“Luminate is knowledgeable, kind, quick to respond to any question we had and was a great partner in the process.”

Joan

WE BELIEVE.

The home loan process doesn't have to be scary. Our team is here to help!