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.


๏ปฟOur 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!

A large group of people are posing for a picture under a tree.

About David Mclaughlin

Branch Manager | NMLS# 868815

Wealth Coach in Mortgage Lending | Top 1% Nationwide

For over 31 years, David McLaughlin has helped families and individuals make confident, well-informed decisions around one of life’s biggest investments—homeownership. As a Top 1% mortgage originator nationwide and the #1-reviewed lender in Sarasota & Manatee County, David is trusted for more than just closing loans—he’s trusted for guidance, clarity, and peace of mind.


David believes a mortgage should do more than get you into a home—it should support your long-term financial and wealth-building goals. A former Realtor turned elite mortgage advisor, he brings a rare, full-spectrum understanding of real estate, financing, and strategy. That perspective allows him to serve as a true Wealth Coach in Mortgage Lending, helping clients make smart decisions today that benefit them for years to come.

Clients consistently describe David as calm, proactive, and exceptionally clear in his communication. He takes pride in simplifying the mortgage process, anticipating challenges before they arise, and keeping everything moving smoothly from start to finish. His integrity, efficiency, and attention to detail are why clients confidently refer friends, family, and colleagues—knowing they’ll be taken care of at the highest level.


Experience That Matters

  • Top 1% in Mortgage Origination Nationwide – 15 Years Running
  • #1 in Customer Reviews in Sarasota & Manatee County
  • 30+ Years of Industry Experience | Thousands of Successful Closings


David works tirelessly to keep the process simple, timely, and transparent, so you can move forward with confidence and focus on what matters most—enjoying your new home and building your future