The Upstate's Premier Mortgage Lending Team

Welcome to The CL Team at Luminate Bank®, the Upstate’s trusted partner in your journey towards homeownership. Our team, led by Caleb LeGrand, brings over 115 years of combined expertise to guide you seamlessly through the mortgage process.

Ready to Start Your Home Buying Journey? Connect with us today and experience a mortgage process that's as satisfying as getting the keys to your new home. Click Apply Now below to get started or call us to explore your options with the Upstate’s premier mortgage lending team.

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Unparalleled Local Expertise

We are local. We are experienced. We are independent. We are here for you.

Because we care about our clients, and want to make sure they have the best possible experience from beginning to end, we offer 100% personalized service to each client. We offer clear, honest communication throughout the client relationship so there are no surprises.

Local Expertise

Tailored Mortgage Solutions for Your Specific Needs

Deeply rooted in the Upstate, we understand the unique aspects of the local real estate market, ensuring you get the best mortgage solution tailored to your needs.

Client-First Philosophy

Turning Your Homeownership Dreams into a Reality

Your dream of homeownership is our mission. We prioritize your needs, offering personalized guidance at every step – removing friction before it occurs.

Proven Track Record

Over 1,000 Five-Star Reviews Prove Our Commitment to Customer Service

Our clients' success stories are a testament to our commitment and expertise. From first-time buyers to seasoned investors, we've helped countless families achieve their mortgage goals. Click HERE to see past client’s success stories.

Professional Expertise + Genuine Care

We've got you covered!

When you choose The CL Team at Luminate Bank®, you're choosing a partner, not just a lender. Our team is committed to ensuring your mortgage process is as smooth and stress-free as possible. We go the extra mile in providing personalized services, understanding your individual needs, and devising a mortgage plan that aligns with your financial goals.

Experience The CL Team Difference – a rare blend of professional expertise and genuine care for your homeownership dreams.

Meet the Team
"The loan process for first time home buyers was smooth and easy! Great communication, timely updates, and professional service. Buyers were very happy with the service they received from your team! I look forward to working with you again!"

Jason G.

Greenville, SC

"Pleasant and entertaining communication at all times. Always kept well informed, every step of the way! Questions always answered quickly and thoroughly. Always got answers, even after normal business hours. A 110% great experience!"

Terrence D.

Greenville, SC

"If I had to relate it to a visual description - picture a person being carried overhead in a crowded music arena to the stage. Each person did their part in making sure I was "carried" to the stage safely, with gentle care, and delivered to where I was intended. That's what happened. Each person served a specific part of my mortgage journey."

Shannon E.

Greer, SC

"Through the entire process I felt I was in the hands of thoroughly-equipped, knowledgeable professionals who were guiding me wisely, respectfully, and considerately mindful to what I did not know. This team made what I thought was going to be a heavy burden light. I’m honored to now call them my lender."

Tammy M.

Simpsonville, SC

"The CL Team was exceptional. From beginning to end, the process was easy and communication was efficient and thorough. This was the best loan experience and the process could not have been smoother. Everyone gave great customer service and I highly recommend!"

Edda T.

Piedmont, SC

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Family & Service

The Cornerstones of Our Commitment

At the core of our philosophy is a deep dedication to family and service. We believe that every client is part of our extended family, not just a customer.

Our commitment goes beyond typical service providers, treating each transaction as if it were for our own family. We prioritize building relationships based on trust and open communication to understand your unique needs. Our responsibility is to help make your dream of homeownership a reality.

Expert Mortgage Lending Specialists

Contact us today for a free consultation and find the perfect mortgage solution for you.

Apply Now

First-Time Homebuyers

Buying your first home is a huge step, and finding the right loan is key to making it happen. At The CL Team at Luminate Bank®, we specialize in helping first-time homebuyers navigate the process with ease.

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Read the latest from the blog.

Spring Surge: Why Homebuyers Are Still Making Moves Even with High Rates

Spring Surge: Why Homebuyers Are Still Making Moves Even with High Rates

Buyers aren’t waiting for rates to drop—they’re making moves this spring. See why demand is rising, what’s impacting affordability, and how The CL Team is helping clients win in today’s market.
Read more
Some Uncertainty at The End of an Otherwise Decent Week

Some Uncertainty at The End of an Otherwise Decent Week

Markets wobbled to close an otherwise stable week. While weak retail data helped rates early on, a late-day credit downgrade and inflation concerns added fresh uncertainty heading into next week.
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Why Buyers Are More Likely To Get Concessions Right Now

Why Buyers Are More Likely To Get Concessions Right Now

Buyers are gaining ground. With more inventory, builders and sellers are offering incentives like rate buy-downs, price cuts, and paid closing costs to help sweeten the deal.
Read more
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Secure your dream home today!

Buying a home is one of the biggest decisions you will make in your lifetime. Our team has a deep understanding of the local housing market and can help you navigate through the complex process of obtaining a mortgage.

Apply Now