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!

Justin Messing
Mortgage Loan Originator | NMLS# 240860
Justin Messing entered the mortgage industry in 2001. As a second-generation loan officer, he takes pride in helping families achieve an integral part of the American dream.
“I’ve had the honor of helping over 2,000 families obtain mortgage financing in my career,” Justin says. “My years of experience has taught me to ask the right questions upfront and anticipate any challenges before they arise.”
Justin is a multi-year recipient of the President’s Club Award and was recognized within the Top 1% of Mortgage Originators in America in 2020 and 2021.
“I love educating first-time homebuyers on the overall mortgage process,” Justin says. “I feel it’s important for homebuyers to always know which step they are on, so I provide a detailed ‘timeline of events’ that serves as a clear roadmap from start to finish.”
Justin and his team prioritize providing outstanding customer service and great communication so they can provide their clients with a stress-free experience.
“I understand everyone has a unique schedule,” he says. “I make myself available on nights and weekends to accommodate you.”
Justin and his team look forward to serving your needs. Give them a call or visit them online today.