Legal

Disclosures & Licensing

Regulatory information, state licensing notices, and legal disclosures for Lumin Lending, Inc.

Equal Housing Lender

Lumin Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status. As required by the Fair Housing Act and the Equal Credit Opportunity Act.

Not a Commitment to Lend

All loan products are subject to credit approval. Interest rates and loan programs are subject to change without notice. This website does not constitute a commitment to lend or an offer to extend credit. Loan approval is subject to property appraisal, title examination, credit review, and lender underwriting guidelines.

State Licensing

Lumin Lending, Inc. is licensed to conduct mortgage brokerage activities in 19 states. Licensing is subject to change. Please verify current licensing via the NMLS Consumer Access portal.

Notice to Texas Loan Applicants

Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.

Rate and Payment Disclosures

Advertised rates are subject to change without notice. Rate availability depends on individual creditworthiness, loan-to-value ratio, loan amount, property type, occupancy, and other factors. Not all applicants will qualify for advertised rates. APR calculations assume a standard loan amount, term, and credit profile and are for comparison purposes only.

Disclosures Pending

Additional state-specific disclosures are being prepared. This page will be updated as they become available. For questions about specific state licensing or regulatory requirements, please contact us directly at info@luminlending.com.

Contact for Regulatory Matters

Lumin Lending, Inc.
18201 Von Karman Ave Ste 800
Irvine, CA 92612
(949) 881-6129
info@luminlending.com