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!

Jason Marsh
Mortgage Loan Originator | NMLS# 274447
For Jason Marsh, mortgage lending is about more than getting a loan to the closing table. It is about being available when clients need him, understanding the details behind the transaction, and providing the experience and guidance borrowers need to make confident decisions.
With almost 30 years of experience in mortgage lending, Jason has built his career around helping people navigate one of the biggest financial decisions they will make. His business has grown largely through client referrals and repeat business, reflecting on the long-term relationships he works to build with the people he serves.
Jason's experience extends across virtually every part of the mortgage process, including loan origination, underwriting, title, and closing. That broad understanding gives him a valuable perspective when working with borrowers. He understands not only what happens at the beginning of a mortgage application, but also what needs to happen behind the scenes to move a loan successfully toward closing.
A Lending Experience That Works for You
A mortgage can involve a lot of moving pieces, from documentation and underwriting to title work and closing. Jason's goal is to make those pieces easier for his clients to understand and manage.
He sees mortgage loan originators as an important connection between the borrower and the underwriting process. The underwriter is ultimately responsible for reviewing and approving the loan, and Jason believes borrowers benefit from having an experienced professional who understands how to communicate their circumstances and help navigate the requirements along the way.
His approach combines technology with personal service. Today's borrowers have more opportunities to complete parts of the mortgage process online, and Jason embraces that flexibility. If a client is comfortable uploading documents, completing tasks digitally or handling portions of the process independently, he gives them the freedom to do so.
At the same time, Jason knows that not every part of a mortgage should be left for a borrower to figure out alone. He takes responsibility for the more complex aspects of the transaction and provides guidance when questions or challenges arise.
The result is a mortgage experience that can be as digital or as hands-on as the borrower prefers.
Mortgage Options for Different Homebuyers
Jason works with a wide range of borrowers, including first-time homebuyers and experienced homeowners. He understands that every borrower comes to the process with different goals, financial circumstances, and questions.
His mortgage expertise includes Conventional, FHA, VA, USDA, and WHEDA loan programs. He is also interested in helping more borrowers explore construction financing as they consider building a home rather than purchasing an existing property.
For first-time homebuyers in particular, Jason understands how valuable it can be to have an experienced professional who can explain what to expect, answer questions, and help keep the process moving. His goal is to make sure borrowers understand their options rather than simply presenting them with a loan product.
Available When You Need Him
Real estate does not always operate on a traditional nine-to-five schedule, and Jason understands that mortgage lending often needs to move on the same timeline.
He makes himself available during evenings and weekends because that is when his clients and real estate partners may need him. Whether a borrower has a question about an offer, needs help understanding the next step or simply wants to know where things stand with their loan, Jason believes responsiveness matters.
That availability is an important part of the service he provides. A mortgage transaction involves a team of people, and keeping communication moving can help create a smoother experience for borrowers, Realtors and everyone else involved.
Serving Homebuyers Nationwide
Jason is licensed to lend in all 50 states, giving him the ability to work with borrowers across the country. He offers additional expertise in Wisconsin, Illinois, Minnesota, Florida, Arizona, Texas, North Carolina, and South Carolina.
His nationwide reach is supported by an extensive network of industry professionals who can provide additional expertise and assistance throughout the homebuying process and beyond. From real estate professionals to other mortgage and closing partners, Jason understands the value of having a strong team behind every transaction.
A Relationship-Based Approach
After almost 30 years in the mortgage industry, Jason knows that a successful loan is about more than numbers on a page. The experience a borrower has throughout the process matters, too.
His repeat clients and referrals have become an important part of his business, and he sees those relationships as one of the strongest measures of success. When a past client returns for another home purchase or recommends Jason to a friend, family member or colleague, it represents the trust that was built during the original transaction.
That is the kind of relationship Jason strives to create with every borrower: knowledgeable, responsive, and dependable.
Whether you are purchasing your first home, buying your next property or exploring a new construction opportunity, Jason Marsh brings decades of mortgage experience, a broad understanding of the lending process and a commitment to being available when you need him.
His goal is straightforward: help make the mortgage process easier to understand, easier to navigate and ultimately a better experience for the people he serves.




