Luminate Bank is redefining what modern banking can be. In just five years under its current leadership, the company has grown from a $62 million community bank into a $500 million financial institution, the fastest-growing state-chartered bank, while building one of the fastest-growing mortgage platforms in the country.
The momentum has been extraordinary:
- Grew bank assets from $62 million to $500 million in five years- the fastest-growing state-chartered bank
- Ranked a 2026 Top Workplace in Minnesota by the Star Tribune and #1 among large companies in Colorado Top Workplaces 2026
- Named a 2026 Top Workplaces Culture Excellence winner in eight categories and a Top Workplace nationally in Financial Services
- Surpassed $4 billion in mortgage originations in 2025
- Ranked among the Top 30 Mortgage Lenders nationally by Scotsman Guide
- Maintain a 4.9-star average rating across 45,000+ customer reviews
- Recognized by Freddie Mac with two 2026 Home Possible RISE Awards® for Greatest Volume and Fastest Growth
- Honored by the Minnesota Mortgage Association as 2025 Leaders of the Year
But the story is bigger than growth metrics and awards. Luminate Bank is building a culture designed for ambitious, high-performing people who want to shape the future of banking. We move quickly, think boldly, and invest deeply in our people. Innovation, accountability, collaboration, and customer experience are at the center of everything we do.
What began as a rapidly growing lending and banking platform is now entering its next phase: building a nationally recognized financial brand that redefines how modern banking is experienced.
For leaders who want the opportunity to build, scale, and leave a lasting impact, this is a rare moment to join a company with startup energy, national momentum, and a long runway ahead.
Position Overview:
The Mortgage Disclosure Desk Specialist will support daily operations to ensure disclosure packages are completed accurately and are provided to consumers in a timely manner. This role is a central part of the loan process to ensure compliance with TRID and additional federal, state and local disclosure regulations. The ideal candidate will possess experience with residential mortgage application disclosures and a strong understanding of requirements for redisclosure. This role maintains effective communication with members, business partners, and team mates to uphold Luminate Home Loans commitment to quality customer service.
Responsibilities and Duties:
- Prepare and review disclosure packages including the Loan Estimate
- Review disclosure related data entered in the Loan Origination System (“LOS”) for accuracy
- Ensure proper loan set-up within the LOS and loan structure is accurate according to loan program and type
- Review files submitted for re-disclosure in adherence to regulatory compliance requirements and internal company policies and procedures
- Determine if a bona fide changed circumstance occurred by working with the originators, processing, underwriting and closing departments to determine the cause and timing of the changed circumstance
- Monitor Disclosure Desk work queue and e-mail in-box to support all team members within prescribed service level agreement timeframes
- Run automated compliance testing and escalate negative results to the Compliance Department
- Assist with reviewing policies and procedures and LOS functionality and making necessary modifications
- Responsibly maintain the confidentiality and privacy of loan applicant information
- Additional responsibilities as assigned
Qualifications and Skills:
- High School diploma or equivalent. Bachelor’s in business or related field preferred.
- Strong research, problem solving, communication, organization and interpersonal skills
- Strong attention to detail, self-drive and analytical skills
- High degree of professional ethics and integrity
- Knowledge of TRID and other applicable lending laws to efficiently and accurately answer any questions
- Desire to help your peers, your team and department achieve exceptional results
- Ability to multi-task in a fast paced, highly demanding environment.
- Ability to adapt or change approach or method to best fit the situation in a fast-evolving environment with multiple clients.
Preferred Qualifications:
- 2+ years of disclosure desk or equivalent mortgage experience
- General knowledge of federal and state laws impacting mortgage origination, including but not limited to: Dodd-Frank and CFPB oversight environment, RESPA, TILA, ECOA, SAFE, HMDA, Fair Housing Act, Fair Lending, State or Federal High Cost, FCRA/FACTA, Privacy of Consumer Financial Information, UDAAP, and REG Z/TRID
- Knowledge/Proficiency in LOS (Ellie Mae Encompass) preferred
Benefits:
- Competitive compensation reliant on ability and experience
- Excellent benefits package including health, dental & vision, FSA and HSA plans
- Life and AD&D Insurance, as well as additional voluntary benefits
- 401K with robust company match
- Flexible PTO program second to none
- The opportunity to work for the Midwest’s fastest growing lender
We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
