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.
Our 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!

Chip Larson
Mortgage Loan Originator | NMLS# 274487
For more than 30 years, Chip Larson has helped homebuyers throughout Wisconsin navigate the mortgage process with experience, knowledge and a commitment to personal service.
Chip began his career in mortgage loan origination in 1993 and has built his business around understanding his clients' needs, explaining their options and developing relationships that last well beyond the closing table. He takes pride in providing a high level of customer service and building lasting relationships with realtors, business owners, and past clients.
Mortgage Experience You Can Rely On
After more than three decades of mortgage banking and loan origination, Chip has developed a thorough understanding of the mortgage products and guidelines that help borrowers finance a home.
His experience includes Conventional, FHA, VA, and first-time homebuyer loan programs. Chip is particularly well versed in VA financing and enjoys helping first-time homebuyers understand the mortgage process and explore the options available to them.
He also has extensive knowledge of Fannie Mae and Freddie Mac underwriting guidelines. That understanding gives Chip valuable insight into the requirements behind the mortgage process and helps him guide borrowers through the details that can sometimes feel overwhelming.
Chip believes that every borrower deserves to understand how their mortgage works and why a particular financing option may be appropriate for their situation. His goal is to provide clear guidance and responsive service while helping make the path to homeownership as smooth as possible.
Serving Southeastern Wisconsin
Chip has deep roots in Southeastern Wisconsin and primarily serves homebuyers throughout Milwaukee, Waukesha, Ozaukee, Washington, Racine and Kenosha counties.
His local knowledge, combined with decades of mortgage experience, allows him to understand the needs of the communities and homebuyers he serves. Whether someone is purchasing their first home, exploring VA financing or preparing their next move, Chip brings the same commitment to service and attention to detail to every transaction.
For Chip, mortgage lending is also about the relationships built along the way. His business has grown through connections with clients, Realtors, business owners and other professionals, and he values the trust those relationships represent.
Education and Professional Background
Chip earned his B.A. in Economics from Ripon College in Ripon, Wisconsin. His background in economics, combined with more than three decades of hands-on mortgage experience, gives him a strong foundation for helping borrowers understand the financial considerations involved in purchasing a home.
Mortgage lending has changed considerably since Chip entered the industry in 1993, but his approach has remained consistent: put the customer first, provide knowledgeable guidance and build relationships that stand the test of time.
Life Outside of Mortgage Lending
Outside of work, Chip enjoys staying active and spending time with his family. He regularly plays pickleball and enjoys coaching tennis, combining his love of sports with an opportunity to stay involved in the community.
Chip is also a passionate Wisconsin sports fan. He holds season tickets for Marquette men's basketball, follows Milwaukee Brewers baseball and considers himself a dedicated Green Bay Packers fan.
Family time is especially important to Chip. He and his wife, Mary, have two sons, Jacob and Andrew, and the family enjoys spending time together at Blue Spring Lake. Whether they are boating, swimming or tubing, Chip appreciates the opportunity to slow down and enjoy time with the people closest to him.
After more than 30 years in mortgage lending, Chip continues to bring the same dedication to every borrower and professional relationship. His combination of mortgage expertise, underwriting knowledge, local market experience and genuine commitment to customer satisfaction makes him a trusted resource for homebuyers throughout Southeastern Wisconsin.




