get ready for

A lending team that’s focused on you.

At Luminate Bank, we’re reshaping the mortgage experience in throughout western Colorado and beyond. Merica and Mary Jane bring more than 25 years of trusted local expertise to the market, ditching outdated industry habits and focusing on what really matters: you.


Their mission is simple: align with your goals, support your journey, and help you unlock long-term financial confidence through the right home loan.

>> Our Team

We believe mortgage lending in Colorado and nationwide should be simple, approachable, and rooted in trust. With transparency and consistency at the heart of every loan we guide, we’re here to make sure each step is clear and every decision supports your long-term goals.


Whether you're buying your first home, upgrading, or refinancing in western Colorado, we’ll keep you informed, engaged, and confident at every turn.


Meet the local Grand Junction team that’s been lighting the way since 1998.

Two women are posing for a picture together in the desert.

Merica Street

Branch Manager | NMLS# 237728

With more than 25 years of experience in mortgage lending, Merica Street is known throughout Grand Junction for her deep industry knowledge, honest communication, and unwavering dedication to her clients. Born and raised in western Colorado, Merica understands the local market because she’s lived it by raising her family here and helping others do the same.


She’s not just focused on closing loans, she’s focused on building relationships that last. Whether you're buying your first home or refinancing your forever one, Merica will walk beside you with clear guidance, consistent communication, and a genuine desire to help you succeed. Her clients trust her not just because of her experience, but because she truly cares.

Mary Jane Douma

Loan Originator | NMLS# 240056

For Mary Jane Douma, mortgage lending is more than a career—it’s a calling rooted in service, community, and connection. A lifelong Grand Junction resident, she’s been helping families across western Colorado navigate the home loan process with ease and confidence for over two decades.


Mary Jane is known for her calm presence, attention to detail, and ability to simplify even the most complex parts of lending. Her approach is people-first: always listening, always educating, and always putting your best interest at the center of every decision. From application to closing day, she’s the partner you want in your corner.