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Lumen Mortgage

Home lending illuminated℠ 

Lumen Mortgage is an independent home lender headquartered in Bend, Oregon. 

Our mission is to present clear, transparent home loan options, ensuring each customer feels confident and informed about the mortgage they choose.


Please click here for an in-depth description of the mortgage process.

If you value speed, efficiency and competitive pricing,

call us today: 541-797-6718.

At Lumen Mortgage you will:


Underwriting to Closing in 20 days

[July: 23-day average; June: 20-day average.; May: 18-day average]

How? E-loan disclosures, underwriting submission prior-to-appraisal, 3 Appraisal Management Companies allow us to select the best appraisal turn times available, Closing Disclosures (CDs) issued as soon as appraisal is approved, NO prior-to-funding conditions, and same-day funding.


Online price – Local lender

  • Transparent price quotes
  • Detailed rate options and comparisons
  • No processing fees, underwriting fees, or admin fees


The only thing left is the house

  • 3-bureau credit reports for all borrowers
  • Income and asset documentation reviewed
  • Automated underwriting run for each pre-approval

Our detailed pre-approvals can be completed in just one business day, allowing us to issue custom pre-approval letters and providing our borrowers with confidence and competitive offers for the homes they want to buy.


We have used David Blackmon for many years for many different types of loans. He is incredibly knowledgeable and personable.…

Purchase Client

David provided us with top-tier service from our initial phone conversation while living out-of-state, to the closing of our escrow…

Purchase Client

David was excellent to work with. He guided me through the purchase of my first new home--- and there were…

Purchase Client

David was the perfect choice to start my move to Bend. He provided knowledgable service and a can-do attitude and…

Purchase Client

The day we met David he was very informative and provided us a GFE (Good Faith Estimate) at the same…

Purchase Client

David was very easy to work with. He was quick, helpful and accurate. Ive gone through David for purchasing and…

Purchase Client


We combine high-quality retail customer service with wholesale pricing.

With Lumen, you can expect detailed loan options and streamlined processing. Our innovative technologies keep our customers and business partners informed and up to date throughout the entire loan process.

We offer fixed and adjustable rate home loans.

  • Conventional (Fannie Mae & Freddie Mac) loans
  • FHA, VA and USDA Government insured loans
  • Our Lux Jumbo loans ℠
  • First Time Home Buyer programs
  • Refinance loans
  • Renovation loans
  • Construction loans

And we have a full suite of alternative lending options for borrowers with non-traditional income, foreign national residency status, and recent financial hardships.

As an independent, locally owned company, we are able to offer a premium array of home loan products and pricing, without the constraints of a single-lender product line, or additional lender-specific underwriting restrictions.

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