Privacy Policy

Effective Date: June 1, 2026

Lumin Lending, Inc. ("Lumin Lending," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at luminlending.com or interact with our mortgage brokerage services. Please read this policy carefully. By using our website or submitting information to us, you consent to the practices described herein.

1. Information We Collect

We collect information you provide directly to us and information we collect automatically when you use our website. The categories of personal information we may collect include:

Identifying Information: Full legal name, date of birth, Social Security number (for loan processing), email address, mailing address, and phone number.

Financial Information: Income, employment status and history, assets, liabilities, credit history, bank account information, property details, and other information necessary to process a mortgage loan application as required by federal and state law.

Device and Technical Data: IP address, browser type and version, operating system, referring URLs, pages viewed, time and date of your visit, and other diagnostic data collected through cookies and similar tracking technologies.

Communications: Records of correspondence, including emails, SMS messages, and phone calls, to the extent permitted by applicable law.

2. How We Use Your Information

We use the information we collect for the following purposes:

Loan Processing and Origination: To evaluate, process, and fulfill mortgage loan applications, including verifying your identity, assessing creditworthiness, and submitting your application to prospective lenders.

Communications: To respond to your inquiries, provide loan status updates, send appointment reminders, and deliver information you have requested. With your consent, we may also send you promotional communications about our products and services.

Service Improvement: To analyze website usage, improve our digital platforms, develop new products and features, and conduct internal research and analytics.

Legal Compliance: To comply with applicable federal and state laws and regulations, including the Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), Bank Secrecy Act (BSA), Gramm-Leach-Bliley Act (GLBA), and other applicable mortgage lending requirements; to respond to lawful requests from governmental authorities; and to protect our legal rights.

Fraud Prevention: To detect, investigate, and prevent fraudulent transactions and other illegal activities, and to protect the rights and safety of our clients and our company.

3. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

Lenders and Wholesale Partners: As a mortgage broker, we submit your loan application and supporting documentation to lenders and wholesale mortgage partners on your behalf for the purpose of obtaining loan approval and funding.

Service Providers: We work with third-party companies that provide services on our behalf, including loan origination software providers, credit reporting agencies, appraisal management companies, title and escrow companies, document management platforms, marketing service providers, and IT and cybersecurity vendors. These service providers are contractually obligated to use your information only as directed by us and to maintain appropriate security safeguards.

Legal Requirements: We may disclose your information when required by law, regulation, court order, or other legal process, or when we believe in good faith that disclosure is necessary to protect the rights or safety of Lumin Lending, our clients, or the public.

Business Transfers: In the event of a merger, acquisition, sale of assets, or other business transaction, your information may be transferred as part of that transaction, subject to applicable privacy laws.

With Your Consent: We may share your information with third parties when you provide explicit consent to do so.

4. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect usage data. We use the following types of cookies:

Essential Cookies: Required for the basic operation of our website. These cookies cannot be disabled without impairing core site functionality.

Session Cookies: Temporary cookies that expire when you close your browser and are used to maintain your session state as you navigate our site.

Analytics Cookies: Persistent cookies that help us understand how visitors interact with our website, which pages are most frequently visited, and where users navigate from. We use this data in aggregate form to improve website performance.

You may opt out of non-essential cookies by adjusting your browser settings to refuse cookies or by using available opt-out mechanisms. Please note that disabling cookies may affect the functionality of certain areas of our website. You may also opt out of interest-based advertising by visiting the Digital Advertising Alliance opt-out portal at optout.aboutads.info.

5. Data Security

We implement industry-standard administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, and destruction. These measures include Transport Layer Security (TLS) encryption for data transmitted over the internet, encrypted storage of sensitive financial data, role-based access controls, and regular security assessments.

However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your personal information, we cannot guarantee absolute security. In the event of a data breach that may affect your rights or freedoms, we will notify you as required by applicable law.

6. Your Privacy Rights

Subject to applicable law, you may have the following rights regarding your personal information:

Right to Access: You may request a copy of the personal information we hold about you.

Right to Correction: You may request that we correct inaccurate or incomplete personal information.

Right to Deletion: You may request that we delete your personal information, subject to our legal obligations to retain certain records under applicable mortgage lending regulations (including requirements under RESPA, TILA, and applicable state law).

To exercise any of these rights, please submit a written request to info@luminlending.com. We will respond to verifiable requests within 45 days, or as required by applicable law.

7. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which the information was collected, the business or commercial purpose for collecting the information, and the categories of third parties with whom we share the information.

Right to Delete: You have the right to request deletion of personal information we have collected, subject to certain exceptions permitted by law, including our obligation to retain loan records.

Right to Opt Out of Sale or Sharing: Lumin Lending does not sell or share your personal information for cross-context behavioral advertising purposes. You do not need to opt out.

Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA/CPRA rights.

To submit a CCPA/CPRA request, contact us at info@luminlending.com or call us at (949) 881-6129. We may require verification of your identity before processing your request.

Please note that certain personal information processed in connection with a mortgage loan application may be exempt from CCPA/CPRA rights under the Gramm-Leach-Bliley Act (GLBA) or the Fair Credit Reporting Act (FCRA).

8. SMS Communications

If you opt in to receive SMS text messages from Lumin Lending, standard message and data rates may apply based on your mobile carrier plan. Message frequency varies based on your account activity and preferences. You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. For assistance, reply HELP or contact us at info@luminlending.com. We do not share your mobile number with third parties for their own marketing purposes. For complete SMS terms, see our SMS Terms & Conditions.

9. Children's Privacy

Our website and services are not directed to individuals under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take prompt steps to delete that information. If you believe we may have collected information from a child under 13, please contact us at info@luminlending.com.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will revise the "Effective Date" at the top of this policy and post the updated policy on our website. We encourage you to review this policy periodically. Your continued use of our website or services after the posting of any revised policy constitutes your acceptance of the updated terms.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Lumin Lending, Inc.
18201 Von Karman Ave Ste 800
Irvine, CA 92612
Phone: (949) 881-6129
Email: info@luminlending.com
NMLS #2716106