Michelle Macia

Name: Luminate Bank
Address: 6200 Coastal Hwy, Ocean City, Maryland, 21842
Telephone: +1-410-937-9800
Rating: 4.97

Branch Manager

Luminate Bank

4.97

(160)

At Luminate Bank our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way.

Mortgage

Mortgage Loan Officer

Contact Info

(410) 937-9800

7137737426

Ocean City, MD

https://CoastalLendingTeam.com

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4.97

(160)

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5 Star

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Always great working with Michelle. She is always there to answer any questions through out the loan process and is great with my buyers!

Reply from Michelle Macia- Loan Officer NMLS 2...

May 14th, 2026 01:22 PM

Meghan thank you for your kind words, I love the details of every process.

So easy to deal with and very helpful during my whole first time buyer process !

Reply from Owner

May 20th, 2026 07:11 PM

Ashleigh, I'm glad to hear that you found the process easy and helpful. It was appreciated to assist you during your first-time buyer journey. Thank you for your kind words!

Michelle and her team were absolutely amazing! I’m truly grateful for their dedication and hard work in helping me get into my first home. There were moments where I doubted myself during the process, but they reassured me every step of the...

Reply from Owner

May 6th, 2026 04:11 PM

Thank you so much for your kind words! ❤️ Helping you purchase your first home was truly such an honor for our team. Buying a home can feel overwhelming at times, especially when doubts start creeping in, so I’m really glad we could help guide...

Michelle is an absolute ANGEL! I was in deep with a horrible lender that kept stringing me along and changing terms, and when I was about to lose hope on our dream home, I was referred to Michelle by my realtor and she got me approved and turned...

Reply from Owner

May 6th, 2026 04:11 PM

Desi, thank you so much for the incredibly kind words. ❤️ It truly means the world to me that you trusted me to step in during such a stressful time. Buying a home should be exciting, not confusing and discouraging, and I’m so grateful we were...

It’s always a pleasure to work with Michelle. She is a great communicator throughout the loan process and pays attention to the details.

Reply from Michelle Macia- Loan Officer NMLS 2...

May 20th, 2026 07:11 PM

Cindy, I'm glad to hear that you appreciate my communication and attention to detail during the loan process. It's always a pleasure working with you too. Thank you for your kind words!

Excellent service!

Reply from Owner

March 25th, 2026 01:31 PM

Chris, it was a pleasure working with you. Love the 5 stars, thank you so much!!!

Michelle and her team provided timely updates and consistent communication in a recent transaction. They are a valued partner in our network!

Reply from Owner

March 25th, 2026 01:29 PM

Thank you for this review! Communication is key and I value your partnership.

Michelle always kept us informed of each step of the loan process. She was able to complete an FHA loan during a government shutdown! Her professionalism and knowledge shine through!!

Reply from Owner

March 25th, 2026 04:30 PM

Cynthia, thank you so much for this amazing review! I have always been known to love a challenge, and my goal is to work intensely for my clients.

Michelle was great to work with. This transaction was smooth and problem free. Thanks for making my job easier. I would highly recommend Michelle!

Reply from Owner

March 25th, 2026 04:30 PM

Thank you so much for publicly recommending my business! I strive to make transactions smooth, and problem free.

Incredible work on a deal that recently closed. Michelle had it wrapped up in 2 weeks for a smooth and stress free settlement. Looking forward to the next!

Reply from Owner

October 28th, 2025 07:56 PM

Zak, thanks for the 5⭐! Clear communication and quick responses from your side made that 2-week close possible. Grateful for the partnership—can’t wait for the next one!