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!

Angelo Lefer
Mortgage Loan Originator | NMLS# 157922
With more than 20 years of Mortgage Banking experience, Angelo provides secure financing for borrowers in residential and commercial properties. By keeping his clients informed every step of the way, Angelo makes the mortgage process as seamless as possible. He focuses on creating a clear, custom plan for his clients to help them consistently meet their homeownership goals.
As a CMPS Certified Mortgage Planning Specialist, Angelo was voted into the Top 1% of Mortgage Originators in the U.S. He specializes in Jumbo, FHA, and VA loans, as well as first-time homebuyers and non-warrantable condos.
Angelo’s reliability and availability make him a top choice for real estate agents in New Jersey & New York. He is also fluent in Greek.