Kokomo's TrustedMortgage Team.Lending Nationwide.Since 2005

Proudly based in Kokomo, Indiana.
Helping families finance homes
for more than 21 years.
Local expertise.
Nationwide lending through Luminate Bank.

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The Power of TwoWorking for You!

The 2 Mortgage Guys are Ryan Minick and Steve DeLon, Branch Managers and Senior Loan Officers at Luminate Bank. They've worked together as The 2 Mortgage Guys since 2005 from Kokomo, Indiana, lending nationwide. If you're looking for a "Five Star" experience, you've found it with The 2 Mortgage Guys!

Steve DeLon

Branch Manager & Senior Loan Officer at Luminate Bank

NMLS #202876

Ryan Minick

Branch Manager & Senior Loan Officer at Luminate Bank

NMLS #203249

Luminate Bank — NMLS 1281698

Ryan Minick and Steve DeLon — The 2 Mortgage Guys

Kokomo and Surrounding Areas

Hometown resource

Buying or refinancing in Kokomo?

Open the full Kokomo Mortgage Lender guide — purchase steps, loan options, Howard County taxes, down payment help, USDA around town, and FAQs from Ryan and Steve.

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The Most 5-Star Google Reviews in Kokomo!

When it comes to choosing a mortgage lender, don't just take our word for it.
See what hundreds of happy homeowners have to say.

Google ReviewsVerified customer reviews

★★★★★5.0

362 reviews on Google

Big-Bank Strength. Built Around People.

Luminate Bank's story is anything but ordinary. Its banking roots date back to 1937, but the Luminate we know today began taking shape when longtime mortgage leaders Eric Lovins and Taryn Reuter set out to build a different kind of financial organization—one centered on relationships, transparency and doing what's right for the people it serves. In 2020, Eric, Taryn and Thomas Payne acquired a Minnesota bank and mortgage company and began building the Luminate brand, a name inspired by the Latin root for "light." Their vision was simple: make complicated financial decisions clearer and create an organization where both customers and employees could thrive.

That vision has fueled remarkable growth. What began as a six-person mortgage operation has grown into a nationwide organization of more than 700 professionals, with Luminate Bank now licensed to provide mortgage financing in all 50 states. Bank assets have grown from approximately $62 million to $500 million in five years, while annual mortgage originations have grown from $22 million to more than $4 billion. Today, Luminate combines the resources, technology and lending capabilities of a major national mortgage lender with something increasingly difficult to find in financial services: experienced local professionals who know their customers and remain personally invested in their success.

And the industry has taken notice. Luminate Bank is recognized as a Top 25 national mortgage lender and was named the #1 Large Company Top Workplace in Minnesota, Colorado and New Jersey in 2026. The bank also earned two Freddie Mac Home Possible RISE Awards for Greatest Volume and Fastest Growth, while Eric Lovins and Taryn Reuter were named 2025 Mortgage Leaders of the Year by the Minnesota Mortgage Association. Those accomplishments are impressive, but they're really evidence of something bigger: Luminate has grown without losing the people-first culture that made that growth possible.

1281698

NMLS Number

Minneapolis, MN

Headquarters

Find Your Perfect Loan

We've got them all — organized into 7 categories.

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Browse all loan programs if you already know the product you want.

For Existing & New Clients

Home Ownership Simplified.

Introducing the Home Owner Portal — your all-in-one dashboard for Home AI Equity Reports, Things to Do, Home Search, exclusive Discounts, vetted Local Pros, and real-time Market insights.

Home Owner Portal

New — Exclusive Client Access

Home AI Equity Report

Things to Do

Home Search

Discounts

Local Pros

Market

For Existing Homeowners

Know Your Home's Worth Every Month.

Home AI "Monthly Equity Report"

Get a comprehensive home equity analysis powered by AI and real-time market data. Each month, receive a personalized report showing your estimated home value, equity position, neighborhood trends, and financing opportunities — delivered straight to your inbox.

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Monthly insights delivered to your inbox. Powered by AI and real-time market data.

Home AI "Monthly Equity Report"

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Email Reports

Frequency

Monthly

Estimated home value

Equity position

Neighborhood trends

Financing opportunities

Free First-Time Homebuyer Guide

Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Ryan & Steve.

We go where you go!

No matter where you are, The 2 Mortgage Guys can help you finance your next home.

Serving borrowers nationwide

From coast to coast and everywhere in between

Home base: Kokomo, Indiana.

Primary Residence

First-time buyers, move-up buyers, and forever homes in any state.

2nd Homes & Vacation

Finance a lake house, beach condo, or mountain retreat anywhere.

Investment Properties

Rental properties and DSCR loans in all 50 states.

Relocation

Corporate transfers, military moves, and cross-state relocations.

New Construction

One-time close construction loans to build your dream home anywhere.

Refinance & Cash-Out

Lower your rate, consolidate debt, or tap equity nationwide.

Mortgage market update: what borrowers should know this week

Blog

October 5, 2026

Mortgage market update: what borrowers should know this week

Mortgage rates remain elevated, and the past week showed how quickly the mood can change. A soft jobs report looked like good news for borrowers at first, but the early gains faded before the day ended. That kind of whiplash is hard on anyone trying to time a purchase or a refinance. Here is where things stand and how a borrower can think about the weeks ahead.

Commercial Loans: How to Finance Your Next Property or Business

Blog

October 2, 2026

Commercial Loans: How to Finance Your Next Property or Business

Commercial loans work differently from the home loans most people know. The property usually has to earn its keep, and lenders care as much about the income it produces as they do about the borrower. That applies whether the asset is an apartment building, a small retail center, an office suite, or a warehouse. Understanding the basics before approaching a lender can save weeks of back and forth.

Bridge loans: Buying a new home before selling your own

Blog

October 1, 2026

Bridge loans: Buying a new home before selling your own

Finding the right home before selling the current one can create a financing problem, even for homeowners with substantial equity. A bridge loan may provide access to that equity so the next purchase can move forward. With borrowing costs elevated and selling timelines varying by neighborhood, the repayment plan deserves as much attention as the purchase itself.

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(765) 450-8933 Get Started

Kokomo's TrustedMortgage Team.Lending Nationwide.Since 2005

The Power of TwoWorking for You!

Kokomo and Surrounding Areas

Buying or refinancing in Kokomo?

The Most 5-Star Google Reviews in Kokomo!

Big-Bank Strength. Built Around People.

Find Your Perfect Loan

First-Time Homebuyers

Everyday Home Loans

Low & No Down Payment

Build, Buy & Renovate

Flexible Qualification

Investor & Specialty

Homeowner Solutions

Home Ownership Simplified.

Home Owner Portal

Know Your Home's Worth Every Month.

Free First-Time Homebuyer Guide

We go where you go!

Primary Residence

2nd Homes & Vacation

Investment Properties

Relocation

New Construction

Refinance & Cash-Out

Mortgage market update: what borrowers should know this week

Commercial Loans: How to Finance Your Next Property or Business

Bridge loans: Buying a new home before selling your own