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.

With over 20 years of experience in the mortgage industry, Kansas City-based Ben Chai is a Certified Mortgage Advisor™, a prestigious designation that sets the gold standard for ethics and expertise in mortgage advising. Ben specializes in helping Military Families and Veterans achieve their homeownership dreams through VA home loans, leveraging his deep knowledge and personalized strategies to address the unique needs of those who have served.

Having closed over a billion dollars in loans, Ben’s proven track record spans a wide variety of programs, including VA, FHA, Conventional, and Portfolio Non-QM loans, tailored to meet diverse financial needs. As a federally licensed Mortgage Originator, Ben offers nationwide service with an unwavering commitment to transparency, trust, and exceptional client care. His collaborative approach with trusted professional partners and dedication to empowering clients has earned him a loyal base and numerous 5-star reviews.



In his free time, Ben enjoys golfing, hunting, fishing, and spending time with his family.

Tanya Chai is a Licensed Loan Originator Assistant who brings exceptional efficiency, organization, and client-focused expertise to the mortgage process. Leveraging the latest technology, Tanya ensures that every detail is handled seamlessly, from organizing loan documents to streamlining communication and addressing client inquiries. Her commitment to excellence helps create a stress-free and smooth experience for both clients and partners.

With a passion for collaboration, Tanya works closely with trusted professional partners, contributing to innovative strategies that enhance the mortgage process and support business growth. Her proactive approach and dedication to accuracy ensure that clients feel confident and informed every step of the way, while her work with partners strengthens relationships and drives shared success.



In her free time, Tanya enjoys spending quality time with family and friends, discovering new restaurants, staying active, and unwinding with her favorite TV shows and movies..