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!

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Kim Renquest

Loan Originator | NMLS# 1290080

With more than 25 years of customer service and financial experience and over 12 of those years in the mortgage industry, I am passionate about helping people realize the dream of homeownership! I offer an honest, well communicated, knowledge-based lending experience for my clients.


As a certified mortgage planning specialist (CMPS), I look at my clients' financial objectives, their short and long- term financial and investment goals, and work to create a plan for them to obtain those goals. My individualized service is especially important in today’s complex financial environment.


I am aware of the importance of understanding the personal needs of each individual person which is why I do not practice as a “transactional lender” but believe in creating clients for life. Having professional relationships, personally investing in my clients' wellbeing, and engaging with them are all keys to showing my clients how truly important they are to me. I enjoy helping educate homebuyers throughout the mortgage process so that they may become empowered and make informed decisions on what is likely the most significant investment of their lives.


So, whether you're a first-time buyer, looking to move up or down-size, or refinance your current home, I’m well-versed in various options, including Conforming Conventional, VA, FHA, HECM (reverse), Investor loans, and many more. Rest assured; I’ll have the answers to help guide you towards the best solution for your financial situation.


A Little Bit About Me

When I’m not working with my clients, I am an avid runner, with aspirations of completing a half marathon in all 50 states. I have been a professional volleyball official for 35 years, and still actively calling matches at the NCAA D1 level and have worked over 15 NCAA National Championships. I enjoy the outdoors - everything from pickleball, skiing, and hiking to just reading a good book in the shade. I am married to my husband who teaches high school math, and we have one son.