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Michelle Macia - Branch Manager in Ocean City, MD

Michelle Macia

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Branch Manager

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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.
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Overall Ratings
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5 Star
98%
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1%
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Reviews from Web
  • Encompass
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    Georgina D
    Seaford, DE
    Posted on June 6th, 2024 06:48 PM
    The process was smooth and easy
    Reply from Michelle Macia
    April 9th, 2025 11:40 AM
    I'm so glad to hear that your experience with Churchill Mortgage was smooth and easy, Georgina! Your positive feedback motivates us to maintain our high standard of service. Thank you for the fantastic rating! If you ever need any assistance...
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    Buisiness S U 3
    Posted on June 3rd, 2024 04:57 PM
    Dear Michelle Macia- Loan Officer NMLS 207277,We have identified activities in your account that may constitute a breach of our Terms of Service concerning unauthorized access attempts. To prevent any disruption in your account usage, you are...
    read more
  • Encompass
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    Oscar O
    Seaford, DE
    Posted on May 31st, 2024 05:13 PM
    Michelle is a saint, every step was simple and quick
    Reply from Michelle Macia
    April 9th, 2025 11:40 AM
    I'm so glad to hear that your experience with Churchill Mortgage was smooth and simple, Oscar. Knowing you're satisfied with the service truly brightens my day. Thank you for your kind words and the great 5-star rating! If you need any other...
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  • Encompass
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    Benjamin B M
    Crisfield, MD
    Posted on May 20th, 2024 10:25 AM
    Wonderful folks to work with on a very stressful transaction. Michelle and the team guided me through the process and answered all my questions and concerns very well. I would highly recommend using Michelle and the folks at Churchill.
    Reply from Michelle Macia
    April 9th, 2025 11:40 AM
    Thank you so much for your kind words, Benjamin. It was a pleasure guiding you through the process and I'm delighted to hear that you found the experience with Churchill Mortgage to be a positive one. Your recommendation is greatly appreciated!...
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  • Encompass
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    David F D
    DAGSBORO, DE
    Posted on May 16th, 2024 10:50 PM
    Great response time, clear straight forward communication ease of the overall transaction. Great follow up on any questions.
    Reply from Michelle Macia
    April 9th, 2025 11:40 AM
    I'm thrilled to hear that you were satisfied with the service you received, David. It was my pleasure to ensure that your transaction with Churchill Mortgage was as seamless and straightforward as possible. If you have any more questions in...
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  • Encompass
    J
    Jacob A D
    DELMAR, MD
    Posted on May 12th, 2024 10:55 PM
    Works and does her job beyond expectations!
    Reply from Michelle Macia
    April 9th, 2025 11:40 AM
    I'm truly thrilled to hear that your experience with me at Churchill Mortgage met and even exceeded expectations, Jacob! Your satisfaction is my top priority and your positive feedback means a lot. If you ever need assistance in the future,...
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  • Encompass
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    Michelle L F
    OCEAN CITY, MD
    Posted on May 5th, 2024 09:00 PM
    Michelle was great at explaining everything and walking us through the investment process.
    Reply from Michelle Macia
    April 9th, 2025 11:40 AM
    I'm thrilled to hear that you found our meetings helpful and informative. Your positive feedback is very much appreciated. It was my pleasure to guide you through the investment process. I'm here if you have any more questions or need further...
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  • google
    M
    Mia M
    Posted on April 29th, 2024 08:22 PM
    I'm a local REALTOR in Ocean City, Maryland. I've had the pleasure of working with (and consulting with) Michelle on numerous occasions. To say she "knows her stuff" is an understatement. I would definitely recommend her to my clients without...
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    Reply from Owner
    August 7th, 2025 03:23 PM
    Thank you so much for the review, Mia! I truly appreciate the opportunity to work with you — you're an amazing realtor, and I look forward to teaming up again soon!
  • Encompass
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    Carmine P
    OCEAN CITY, MD
    Posted on April 29th, 2024 12:40 PM
    Michelle took time to explain each step of the process in good detail. She also kept us informed as thing happened/changed during the process.
    Reply from Michelle Macia
    April 9th, 2025 11:40 AM
    I'm delighted to hear that you found our process to be detailed and informative, Carmine. Keeping you in the loop at all stages of the mortgage process is a priority to me, so I'm glad to know it was appreciated. Thank you so much for the 5-star...
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    Matthew K
    Posted on April 25th, 2024 06:58 PM
    Thanks a million. You are awesome
    Reply from Owner
    August 7th, 2025 03:22 PM
    Thank you so much for the 5-star review and for recommending Coastal Lending! Your support means the world to us, and we’re so grateful for the opportunity to be part of your journey.
  • 81–90 of 160
    About
    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.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Mortgage Refinance
    Specialities
    Mortgage Lending
    FHA Loans
    VA Loans
    Government Loans
    Purchase Loans
    Refinance Loans
    First Time Homebuyer Loans
    Conventional Loans
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    Memberships
    • Coastal Association of Realtors
    Addresses and Serving Areas

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLs ID 207277
    Achievements
    • Scottsman Guide
    Hobbies
    • Camping
    • Three Kids
    • Lax Mom
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    Disclaimer
    Equal Housing Lender
    Luminate Bank is an Equal Housing Lender | Member FDIC
    Luminate Bank | NMLS ID #1281698
    2523 S Wayzata Blvd. #100 Minneapolis, MN 55405 | Phone (952) 698-3300
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