Trena Kloss
NMLS# 2748130
With 18+ years in new home construction, I don’t just bring experience, I bring results.
I’m all about building powerhouse teams, crafting smart strategies, and delivering standout customer experiences that move the needle.Now at Luminate Bank, I’m leading the charge in business development for our new home construction division; partnering with builders to offer smart, scalable mortgage solutions that make homebuying smoother for everyone.Whether it's driving growth, closing deals, or making the process seamless from dirt to closing, I’m here to make things happen. I’m passionate about the people, the process, and the impact.
If you’re ready to build something great, let's talk!
Luminate 101
Who We Are
Luminate Bank is a boutique financial institution with national impact. Founded in 1937 as Security State Bank of Claremont, we rebranded in 2020 to better reflect our dynamic, tech-forward approach. With over $400 million in assets and $4 billion+ in annual mortgage loan volume, we bring the strength of a national lender with the personalized service of a local bank.
Our Edge
We’re more than just a lender, we’re a strategic solutions partner. Our structure allows us to work directly with Fannie Mae, Freddie Mac, Ginnie Mae, and the Federal Home Loan Bank. That means fewer restrictions, more flexibility, and an expanded product suite all delivered in-house, so we control the process from A to Z.
Why Builders Work With Us
We understand new construction is a different game. Our dedicated New Home Construction team is built specifically to serve the unique needs of builders.
What sets us apart:
In-house portfolio, Non-QM, and reverse mortgage products
Forward commitments to help market and sell homes
1x & 2x close construction loans, land/lot loans, and builder operating lines of credit
Dedicated support and fast execution, tailored to the builder timeline
We don’t just support your business, we help drive it.
The Builder Philosophy
Your success isn’t our priority, it’s our purpose.
Everything we do is designed to help builders sell more homes, serve more clients, and scale with confidence. We don’t just find solutions; we execute with precision and speed.
Client Experience
From first contact to final closing, we’re committed to providing a VIP experience for your buyers. Our goal is to make the financing process seamless, supportive, and truly customer-first because a happy buyer makes for a repeat customer.
Sales & Marketing Support
We don’t just show up with loan options, we show up with real support. Whether it’s co-branded materials, on-site loan officers, or lead conversion strategies, we help you market smarter and sell faster.Interested? Let's Talk!