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.

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Hi, I'm Tom!

Tom Thiel brings nearly two decades of mortgage industry experience to his work helping individuals and families achieve their homeownership goals. A Bloomington-Normal native, Tom graduated from Central Catholic High School and Illinois Wesleyan University.


During his time with First State Mortgage, Tom has worked as a loan processor, loan officer assistant, and loan officer, giving him a well-rounded understanding of the mortgage process from application through closing. He has also worked closely with some of the company's top-producing loan officers, gaining valuable experience across a wide range of home financing scenarios.


Tom works with Conventional, FHA, Rural Development and VA loans, as well as various down payment assistance programs. He is licensed to lend in all 50 states.

Tom especially enjoys helping first-time homebuyers achieve the goal of homeownership and considers it an honor to help veterans purchase homes through VA financing.


>> 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!