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A lending team that’s focused on you.

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

For more than four decades, David Usiak has helped individuals and families navigate the mortgage process, purchase homes and work toward their broader financial goals. As a mortgage loan originator with Luminate Bank, David combines extensive industry experience with deep local knowledge and a commitment to personal service.

A Career Built in Central Illinois

David's mortgage career began in the fall of 1979 at Lincoln Savings in Bloomington, Illinois. In 1982, he was recruited by Citizens Savings in nearby Normal, where he continued building his experience in mortgage lending.

In 1987, Household Mortgage recruited David to run a mortgage branch in Bloomington. His entrepreneurial spirit soon led him to start his own mortgage company, Partners Financial, Ltd., with a business partner. In 1995, Partners Financial was sold to Bank of Illinois.

David later became part of Mortgage Services Illinois, then continued through several transitions and ownership changes within the mortgage industry. In 2007, he joined the re-established Mortgage Services Illinois team. The company eventually became First State Mortgage in 2019, and David joined Luminate Bank in 2026.

Mortgage Guidance Built Around You

David believes mortgage financing should never be a one-size-fits-all transaction.

Every borrower brings a different financial situation, set of goals and priorities to the process. David takes time to understand those factors before helping clients explore their financing options.

He works with a broad range of borrowers, including first-time homebuyers, experienced homeowners, veterans, rural homebuyers and clients considering a refinance.

His mortgage experience includes Conventional, FHA, VA, USDA/Rural Development, down payment assistance programs, non-QM financing, and reverse mortgages.

David is licensed to lend in all 50 states, with a particular focus on Illinois, Texas, Florida, Tennessee, Indiana, Missouri, Wisconsin, Arizona, and Michigan.

Relationships That Last Beyond Closing

A significant portion of David's business has been built through referrals from past and current clients, real estate professionals, financial advisors and other trusted partners.

David considers those referrals one of the greatest compliments he can receive. To him, a referral represents confidence that he will provide the same level of service to someone important to the person making the introduction.

His philosophy is straightforward: provide experienced advice, communicate clearly, be available when clients need help, work toward closing on time or earlier, and treat every person with dignity and respect.

Rooted in Bloomington-Normal

David is a longtime Bloomington-Normal resident. He graduated from Normal Community High School before earning his degree in Real Estate from Southern Methodist University in Dallas, Texas.

He has remained deeply connected to the community throughout his career. David serves on the Normal Community High School Alumni Foundation Board and is also a board member of the Chicago District Golf Association.

Life Outside of Mortgage Lending

When he's not helping clients with their home financing, David enjoys spending time on the golf course and working toward that ever-elusive lower handicap. He also enjoys staying active at the gym and supporting organizations and causes that are meaningful to him.

Animal rescue is particularly close to David's heart. He has rescued Basset Hounds and supports Guardian Angel Basset Rescue.



After more than 40 years in mortgage lending, David's approach remains centered on the same principles that have guided his career from the beginning: experience, personal service, clear communication and genuine care for the people he serves.