John Kinkeade

Senior Mortgage Loan Originator

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

Ashley DeLuca

Loan Officer Assistant

I’ve been in the mortgage industry since 2012. Born and raised in MN – love the seasons and the outdoors! Married to my husband and we have one very silly little boy with a BIG personality. He’s always making us laugh. I have the coolest English Springer Spaniel on the planet. His name is Ziggy and he’s the best big bro!

Danielle Martinez

Loan Processor

I have been in the financial services industry since 2009. I grew up in Colorado and still reside here in Loveland, Colorado with my boyfriend, Collin and my two crazy French Bulldogs, Tommie and Elvis. I’m a huge alternative music lover and try to go to as many live shows as I can. I also love to travel, relax and spend time with my closest friends and family. 

Katie Hong

Loan Processor

I grew up in Champlin MN. I am married to my amazing husband and we have 3 beautiful children and a dog named Jack. My hobbies include ice fishing, camping and spending most of my time running between basketball tournaments and cheer competition. I have been working in the mortgage industry for 20 years. My favorite thing about this job is the blessing of being able to help people achieve their homeownership dreams and knowing I played a role in it. Teamwork is my motto and each day i remind myself how blessed I am to work for such an amazing team.