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!
Joseph Isabella
Mortgage Loan Originator | NMLS# 347880
Joseph Isabella started working in the mortgage industry in August 2010. He began his career as a loan officer assistant before becoming a licensed loan officer at Investors Bank, where he was one of the top ten in production. Joseph joined the Luminate team in 2025.
Joseph has helped over 1,000 families achieve their financing goals throughout the tri-state area since his career began. His customer-focused approach has allowed him to achieve long-standing relationships with his current and past clientele.
Born and raised in Nutley, NJ, Joseph and his wife, Ashlee, are currently raising their three children, Joe, Thomas, and Emma, in the same city. Joseph graduated from Montclair State in 2009, is a current member of the Nutley Rotary Club, and has coached travel basketball in his spare time. 
