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!

Jerry Nisivoccia
Mortgage Loan Originator | NMLS# 229551
With nearly 30 years in the mortgage industry, Jerry Nisivoccia has earned a reputation as an industry leader, closing nearly a half a billion in total loan volume with 2,000 transactions over the course of his extended career.
As a 1987 graduate of William Paterson University, he was also nominated many times as a 5-Star Award Winner by NJ Monthly Magazine and is a recipient of the Top-Level Customer Support Award. His best attribute is his ability to connect with customers and lend a guiding hand throughout the entire loan process by expert knowledge of every lending platform.
He also offers a wide array of loan products including First-Time Homebuyer programs, FHA & VA mortgages, and many other programs designed to assist customers in their lending needs.