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!
Bhagyashri Sheladia
Mortgage Loan Originator | NMLS# 1959295
As someone who stresses the importance of integrity, communication, and teamwork, Bhagyashri has earned an excellent reputation amongst her clients, referral partners, and colleagues. Bhagyashri extends a helping hand to first-time homebuyers, those who are purchasing investment properties, and those who are interested in refinancing, as she ensures that each of her clients remain comfortable and informed from pre-approval to closing.

Bhagyashri was born in India and grew up in East Rutherford, New Jersey. She attended Becton Regional High School and Pace University in New York. Bhagyashri is multilingual and speaks English, Gujarati, Hindi, Urdu, and
Punjabi. When she is not helping other families with their home financing, Bhagyashri loves spending time with her own family and friends, as she is a proud wife and mother to three children.
