October 2025
Luminate Spotlight
Company Goals
$409,942,411
October Mortgage Loans Funded
Record Breaking Month!!!
1,043
October Families Served
$225,168
October Deposit Referrals
Leah Burak $100,010
Top Referral Partner
Annual Core Deposit Goal
Featured Deposit Referrers (YTD)
Top of the block
Featured Mortgage Loan Originators (Volume)
Top of the block
Featured Mortgage Loan Originators (Units)
Top of the block
Featured Mortgage Processors
Top of the block
Featured Mortgage Closers
Top of the block
Featured Mortgage Underwriters
Top of the block
Welcome to the team
Corporate
Wa Vang - Desktop Support
Max Treusein - Intern, Data Technology
Retail Bank Branch
Caiden Gerhardson - Deposit Operations Specialist
Austin Greven - Digital Banking Representative
Mortgage Operations
Beth Gunn-Peralez - Draw Coordinator
Resh Jaimangal - Processor
Mike Faulkner - Processor
Mortgage Production
Nate Morris - Area Manager
Pramila Gardner - Branch Operations Manager
Cary Parsons - Business Development Specialist
Sam Badovinac - Business Development Specialist
Tony Apicella Jr. - Branch Manager
Kevin Butler - Branch Manager
Duncan Westraad - LO
Greg Hively - LO
Fay Suite - LO
Matthew Chase - LO
Jill Johnson - LO
Lee Barnhill - LO
Mark Moholt - LO
Joanne Lubin - LO
Lacey Snyder - LO
Joe Morris - LO
Mark Your Calendars!
Save The Date! New(er) Hire Welcome Call With Leadership Team December 11th at 1PM CST
Happy November Birthdays!
Christopher Lee - 1st
Jessica Mather - 1st
Wendy Kegley - 1st
Karl Thomas - 2nd
Anthony Dubois - 3rd
Keith Wright - 3rd
Terry Bamboo - 3rd
Jonathan Blumberg - 3rd
Seromi Chung - 3rd
Maura Crowley - 4th
Bradley Cockrell - 4th
Nikhil Purohit - 5th
Elizabeth Vaughan - 5th
Eric Isaacson - 7th
Dorothy Reynolds - 7th
Janelle Holen - 7th
Patrick Giles - 8th
Morgan Kelly - 8th
Hugo Alejandro Ruiz - 9th
Jessica Richardson - 10th
Shawn Green - 10th
Thysis Reid - 11th
Jennifer Clark - 11th
Andre Duncan - 11th
Robert Veech, Jr. - 13th
Benjamin Walker - 13th
Meredith Swails - 14th
Aaron Redfearn - 14th
Anne Krim - 14th
Theresa Copp - 14th
Michael Creed - 15th
Jesse McConnell - 16th
Joseph Mancuso - 18th
Jessica Shofner - 19th
John Mcgrath - 19th
Paula Modafferi - 21st
John Nevolo - 21st
Shannon McAlister - 23rd
Blanca Sias - 23rd
Nikki Sanchez - 24th
Michael Ehly - 24th
Brad Siebert - 24th
Steven Marchek - 24th
Andrew Meeusen - 24th
Jessica Jenkins - 25th
Fabio Gulla - 26th
Marc Mattia - 27th
Tonia Clarke - 27th
Cristina Gove - 28th
Alan Weber - 28th
Christopher Paranczak - 29th
Happy December Birthdays!
Michelle Oddo - 1st
Tiffany Nordling - 1st
Carrie Ervin - 1st
Holley Crawford - 2nd
Cristina Amaya Gonzalez - 2nd
Ralph Wojtowicz - 2nd
Denise Thai-Nguyen - 2nd
Joshua Zimmer - 3rd
Kayleigh Del Terzo - 4th
Kevin Brierton - 4th
Kelly Tracy - 6th
Jessica Gatewood - 6th
Jody Duffy - 8th
Victoria Mcdevitt - 9th
Michael Hayes - 10th
Jo Ann Crowley - 10th
Dante Puorro - 11th
Mary Jane Douma - 11th
Ada-Lynn Rivera - 12th
David Petroske - 12th
Michael Campbell - 12th
Jon Reed - 13th
Jill Clark - 13th
Ron Kelleher, Jr. - 14th
Karla Beinborn - 14th
Terry Thorn - 15th
Merica Street - 15th
Shachicka Russell - 16th
Hallie Sullivan - 16th
Mitchell Perez - 16th
Donna Sheridan - 17th
JoAnne Kite - 18th
Christina Kelleher - 18th
Stephanie Madriz - 18th
Angela Kellar - 18th
Libby Rodriguez - 19th
Michael Ouverson - 19th
Jennifer Newman - 19th
Whitney Kulwicki - 19th
Sam Badovinac - 20th
Steven Delon - 20th
Jeffrey Shaw - 21st
Ed Stratton - 21st
John Gamble - 21st
Tyler Peterson - 22nd
Jonathan Bahe - 22nd
Lynn Woodrum - 23rd
Eric Orozco - 23rd
Jason Obrusniak - 24th
Holly Dreher - 24th
Robert Shera - 26th
Cary Parsons - 27th
Lisa Aflalo - 27th
Sherry Rae - 27th
George Makoutz - 27th
Vaughn Kavlie - 27th
Diane Margiotta - 28th
Kelly Metzler - 28th
Brandon Krohn - 28th
Kathleen Hong - 28th
Frederick Hansen - 29th
Richard Sciarrone, Jr. - 29th
Sharyl Munsen - 29th
Maryanne Goyette - 29th
Tim Erickson - 29th
Karla Rodriguez Soriano - 30th
Daniel Chenois - 31st
Luminate Bank will be closed Thursday, November 27th for Thanksgiving Day. Happy Thanksgiving to you and yours!
A Brighter Way to Bank
Luminate Employee Accounts
You can now open an account online and it only takes a few minutes!
Program Features
- Competitve Interest Rates
- No Domestic Wire Fees
- No Fees for Personal Checks
- No Minimum Monthly Balance
Rock + Roll
Together, We Achieved Our Best Quarter Yet!
85%
Company Rock Completion
91%
Total Rock Completion
$51M
QTR Care Deposit Growth
$114M
YTD Core Deposit Growth
Q3 Highlights
- Generated more than 600+ 5 star online customer reviews.
- You recognized each other for living our core values 556 times.
- Completed technology and AI assessment.
- Developed a Fintech card issue plan for future program implementation.
- Began implementing a comprehensive performance management system to corporate employees through a phased roll out.
- Finalized the standardized mortgage sales team structure including titles, job descriptions and requirements, minimum production standards, reserve requirements and other items determined as critical.
- Developed a charitable giving process framework.
- Scoped and began implementation of a financial information system.
- Created a long-term financial plan supported by Executives and Board of Directors.
- HELOC origination platform tested, rolled out, and loan sales completed.
- Completed phase 2 of website re-architecture, delivering a customer-friendly experience, find-a-loan-officer by geography, expanding website content inclusive of all products and offerings.
- Selected a DISC facilitator and determined a plan for roll out as part of ongoing leadership development efforts.
- State of MN Safety & Soundness Exam successfully completed.
Q4 Rocks
- Achieve $25 million in core deposit growth.
- Complete the design and begin the implementation of enterprise data layer that enables enterprise wide financial coding.
- Increase employee engagement survey participation rate to 55% to achieve our corporate goal of 50% participation for the year, while maintaining our > 50% ENPS rating.
- Enhance consumer construction lending systems and processes, including loan onboarding, payment processing, draw processing, financial reconciliation, and payoffs.
- Roll out the anniversary recognition plan in January 2026.
- Create and communicate the structure for employees to participate in charitable giving.
- Launch advanced AI enablement for the Executive Team as the foundation for a companywide rollout that will empower every team member to leverage AI for smarter, faster, and more impactful work.
- Establish a single point of governance for technology selection and management.
- Begin roll-out of new CRM, HubSpot!
- Complete the principal membership due diligence and application process with Visa.
- Develop and implement an employee volunteer tracking system with community-development reporting tracking.
- Develop and implement CRA mortgage lending tracking process. Include metrics within each assessment area.
- Roll out refi-retention program.
- Complete the next 33% of SOPs so that the bank's "Consumer Lending Process" as it pertains to mortgage is complete.
- Secure approval of enterprise vendor management enhancements and begin implementation.
- Present to the leadership team a sales summit event overview with keynote line up and breakout session framework.
- Lead the COE committee to finalize the
2026 COE qualifying model.
Employee Net Promoter Score (eNPS)
eNPS is a standard way to measure the happiness and satisfaction of your employees using surveys. Employees are asked the question "On a scale of 0-10, how likely are you to refer your company as a place of work?" and then follow up question to explain their answer.
What's Going Well?
Your feedback highlights a culture defined by:
Our eNPS rate of 58 is in the top 75th percentile.
While our eNPS score stayed the same as the previous survey, at 58, we had an increase in particpation by 23%! Keep letting us know how you feel.
What We Can Enhance
We hear you, you want more opportunities to connect with team members in more meaningful ways.
Clarity in expectations has been response theme and we hope our performance management module (Performance Assessments, Goals, 1:1's) and quarterly goal setting will support manager:employee communication.
Thank you for your valuable feedback!
We truly appreciate you taking the time to share your thoughts and suggestions. Your input plays a vital role in helping us improve our workplace and processes. Please keep an eye out for upcoming enhancements—we’re actively working on changes inspired by your feedback.
October Core Value Illuminators
Own It
Libby Rodriguez
Brian Bates
Ashlee Watson
Rich Pearson
Shannyn Pierce
Mariah Black
Emmi Wilson
Kayleigh Del Terzo
Jen Horak
Theresa Copp
Shawn Fewell
Mary Klotz
Rich Pearson
Kari Glynn
Shantel Asman
Iris Nehring
Annette Stueve
Seth Giles
Katie Simpson
Miranda Bennett
Laura Schmidt
Kelsey Westman
Bessa Manning
Jessica Reinhart
Chrissy Golias
Dave Heerse
Jessica Fister
Nate Raich
Zully Glasser
Tammy Criss
Megan Worley
Kim Sauer
Get It Done
Jess Mather
Keshia Askew
Erika Checa x3
Eren Garcia
Tonia Clarke
Amy Mcmanus
Jen Horak
Kelly Metzler
Kristina Boyd
Dave Baloun
Jeff Aasness
Colleen Vergara
Heather Stangel
Resh Jaimangal
Anne Miller
Christiana Hinman
Nicole Robles
Emmi Wilson
Jessica Frye
Holly Dreher
Janelle Holen
Laurie Larson
Haylie Price
Niraj Patel
Wendy Seiders
Jason Cohen
Sam Swisher
Wendy Sieders
Laura Sterling
Donna Ricciardi
Jeff McCrea
Alyssa Gallegos
Amy McManus
Amanda Brown
Heather Stangel
Emmi Wilson
Kim Sauer
Shawn Fewell
Wendy Kegley x2
Kristen Collado
Debbie Hansel
Jeff Shaw
Matt Creigo
Amanda Taylor
Thysis Reid
Stephanie Smith
Rich Pearson
Tiffany Nordling
Jennifer Newman
Rebecca Urnise
Eren Garcia
Michele Baker x3
Karl Farasyn
Taryn Rodriguez
Dave Baloun
Irene Cruz
Erin Goss
Jami Donnelly
Amanda Andino
Michelle Merritt
Iris Nehring
Peggy Kowalewski
Wendy Kegley
Rebecca Urnise
Megan Worley
Jason Burke
Marketing Team
Matt Criego
Jen Horak
Miranda Bennett
Adam Gove
Dominic Chenois
Megan Tully
Anne Miller
Kayleigh Del Terzo
Ginger Bohne
Maryanne Goyette
Grant Griffin
Amanda Taylor
Kara Smith
Stephanie Price
Irene Cruz
Diane Margiotta
Petra Carr
Jason Burke
Heather Currie
Megan Decorsey
Sharyl Munsen
Win Together
Laura Sterling
Ann Marie Garofalo
Amanda Brown
Valerie Couldry
Jessica Reinhart
Helen Ruehmer
Melissa Medina
Mirta Hoven
Mary Klotz
Ann Dias
Angie Sherer
Rich Pearson
Kelsey Westman
Chris LaVigne
Amy Ebert
Thysis Reid
Irene Cruz
Danielle Martinez
Christiana Hinman
Denise Wisnewski
Christiana Hinman
JoAnne Kite
Michelle Simmerman
Jonathan Dogan
Jessica Shofner
Paulette Upham
Mary Klotz
Amanda Taylor
Heather Stangel
Ann Dias
Mariah Black
Stephanie Price
Jordan Stein
Wendy Seiders
Ed Stratton
Seromi Chung
Megan Decorsey
Michael Hayes
Karla Beinborn
Donna Ricciardi
Amanda Taylor
Chris LaVigne
Dana McCarthy
Sam Swisher
Kosta Garger
HR Team
Mark Moholt
Amanda Brown
Ed Stratton
Jon W. Reed
Jon C. Reed
Kamie A. Randall
Angela M. Pfeiffer
Peggy Kowalewski
Bridgett Jewison
James Stamps
Bob Garczewski
Tiffany Nordling
Holly Dreher
Juliet Valle
Valerie Couldry
Christiana Hinman
Tonia Clarke
Melissa Medina
Bob Wilkerson
Nico Andresakes
Matt Powell
Ed Stratton
Michelle Merrit
Peggy Kowalewski
Courtney Nuness
Shawn Collins
Jason Burke
PJ Potts
Rich Pearson
Christiana Hinman
Amy McManus
Kelly Patton
Jack Roche
Ann Marie Garofalo
Colleen Vergara
Linda Steeves
Laura Sterling
Katie Hong
Mark Veech
Rachel Kasle
Petra Carr
Niraj Patel
Shane Zimmerman
Shawn Fewell
Shane Zimmerman
Mariah Black
Colleen Vergera
Lisa Hill
Haylie Price
ShaChicka Russell
Melissa Medina
Patricia Chaly
Annette Stueve
Patty Fenske
Matt Chase
PJ Potts
Be Real
Mary Klotz
Anne Miller
Mya Jacobs
Megan DeCorsey
Linda Steeves
Brittney Scott
Ruth Morici
Ashley McGinnis
Denise Goodlin
Amanda Peterson
Colleen Vergara
Alexis Pacheco
Brian Brinkert
Tammy Criss
Amanda Taylor
Tiffany Nordling
Debbie Hansel
Matt Criego
Embrace Change
Ryan Barry
Peggy Kowalewski
Kara Smith
Jessica Shofner
Laura Sterling
Ginger Bohn
Renee Kymack
Matt Creigo x2
Mary Griffin
Ruth Morici
Laura Wells
Tyler Peterson
Zully Glasser
Amanda Brown
Melissa Calhoun
Sarah Voccio
Mya Jacobs
Win Together - JoAnne Kite
JoAnne is hard working, meticulous and a great communicator. She is positive and enjoyable to work with when I am processing Compensafe semi-monthly payroll. I appreciate and value her support and partnership with the Compensafe team.
*Drawing Winner
Core Values
We’re driven by the fire from within.
