John Kinkeade
Senior Mortgage Loan Originator | NMLS# 1123893
My “why” begins with my faith and my family. I am deeply grateful for God’s guidance in my life, which shapes how I serve others—with integrity, compassion, and purpose. My greatest blessing is my wife, Sarah, and our two incredible boys, who inspire me daily to lead well at home, at work, and in the community. Creating meaningful memories together is a priority for us, whether that’s traveling, seeking adventure, or enjoying time on the lake. Our family goal is to visit all 50 states before our youngest graduates high school, embracing the journey along the way.
With more than 25 years of experience in the financial industry, I serve as a Producing Branch Manager at Luminate Bank, where I am passionate about helping individuals and families achieve the dream of homeownership. I believe buying a home is more than a transaction—it’s a foundation for stability, growth, and legacy. My role allows me to walk alongside clients with clarity, honesty, and care during one of the most important financial decisions of their lives.
Community service is a core part of who I am. I am actively involved with Lakes Area Heroes, a nonprofit dedicated to supporting first responders and their families during times of need. Giving back to those who serve and protect our communities is an honor and reflects my belief that we are called to serve others faithfully.
My life is a purposeful blend of faith, family, finance, and service. I am grateful for the opportunity to live out these values at Luminate Bank and look forward to continuing to make a meaningful, positive impact—helping people build strong futures rooted in trust, community, and hope
25
Years in Industry
48
States Nationwide
4.9
Average Rating
87
Steps from Desk to Caribou Coffee
Check out our mortgage resources and interactive tools and videos!
At Luminate, we offer a comprehensive range of mortgage services to meet the diverse needs of our clients in Brainerd, MN. From conventional loans to FHA and VA loans, we have the expertise to guide you through the mortgage process with confidence. Explore our resources below to discover how we can help you secure the perfect home loan for your needs.
The Mortgage Process
Getting a loan shouldn't feel like it's you against the world. We work hard to share our knowledge and find the right loan for you. When you're ready to buy, we're ready to help.
Payment Calculator
How much will your mortgage be? How much can you save if you refinance? Use these online calculators to crunch the numbers and see for yourself.
Find the Right Loan
Whether you're a first time home buyer, you're looking to refinance, or have a unique situation, we'll help you understand all your options, so you can have the home of your dreams.
Mortgage Resources
Still unsure where to start? That’s okay, our team has you covered! Check out some of our free resources so you can get direct answers to all of your questions!
“You made everything so smooth and easy for me! I greatly appreciate all of your hard work and dedication to making this dream a reality for me!”
Melissa N.
“John made the process easy and seamless. They provided multiple options and explained them to us in a way we understood.”
Brandon M.
“John was awesome to work with! They were very on top of our deadlines and documents and made the process easy for us. No complaints!"
Chelsea B.
