About Us
Transparent. Innovative. Efficient.
Lumen Mortgage is a modern mortgage lender combining smart technology and expert advice for brilliant results.
Bright Loans℠
10+
Years Licensed
Oregon & California
44
Loan Programs
Res, MF, Ag & Commercial
17
Day Avg. CTC
Clear-To-Close timeline
16
Free Calculators
No login or email required
2
States Licensed
OR & CA — plus investor nationwide
Our Story
Built on the belief that mortgage lending should be simple, honest, and fast.
Lumen Mortgage was founded in 2016 in Portland, Oregon with a single, clear mission: make the mortgage process transparent for everyone — from first-time buyers to seasoned farm operators and real estate investors.
The mortgage industry had a trust problem. Fees buried in fine print. Rates that changed at the closing table. Loan officers who disappeared after taking an application. We built Lumen specifically to address every one of those failures.
Today, we offer 44 loan programs across residential, multifamily, agricultural, and commercial categories — along with 15 free mortgage calculators that anyone can use without giving up an email address first. We publish the Freddie Mac PMMS rate every Thursday morning, the same moment we see it.
Transparency isn't a marketing word for us. It's the operating system the company was built on.
Best Mortgage Lender
Harding & Associates
2016 – 2026
17 Day Avg CTC
Our Foundation
The Values We Work By
These aren't wall decorations. They're the four principles every loan decision, every client interaction, and every hire is measured against.
Transparency
Every fee, every rate, every term — disclosed upfront. You'll never be surprised at closing. We believe an informed borrower makes the best decisions.
Integrity
We act in your best interest, always. We'll tell you when a loan isn't right for you and point you toward options that genuinely save you money — even if it means a smaller deal for us.
Efficiency
We've streamlined every step — from pre-approval to clear-to-close — to protect your time. Our average purchase close is 17 days, and we mean it.
Empathy
Buying a home, financing a farm, or acquiring an investment property — these are major life decisions. We listen, advise, and celebrate with you every step of the way.
Why Lumen
What Makes Us Different
Six specific, verifiable reasons borrowers choose Lumen over a big bank, credit union, or online lender.
16 Free Calculators — No Login Required
Every tool we've built — from a basic mortgage payment estimator to a full DSCR investment analysis — is 100% free and requires zero personal information. Run your numbers before you ever call us.
Live Rates Every Thursday at 9 AM ET
We pull directly from Freddie Mac's PMMS data and publish 30-year and 15-year fixed rates the moment they're released. You see the same number we do — no markup, no mystery.
17-Day Average Clear-to-Close
Most lenders average 30–45 days from application to keys. We've engineered our process to run title, appraisal, and underwriting in parallel — not sequentially. Speed doesn't mean shortcuts; it means preparation.
44 Loan Programs Across Four Categories
Residential, multifamily, agricultural, and commercial — all under one roof. You won't be handed off to a specialist at another company. The same team that handles your first-time home purchase also knows how to close a DSCR deal, finance a 500-acre ranch, or structure a commercial bridge loan.
We'll Tell You 'No' When We Have To
If a loan isn't in your best financial interest, we'll say so clearly and explain why. We'd rather lose a deal than put you in the wrong product. That's a policy, not a talking point.
Best Mortgage Lender — 10 Consecutive Years
Harding & Associates has recognized Lumen Mortgage as Best Mortgage Lender every year from 2016 through 2026. We don't take that recognition lightly — it's a standard we hold ourselves to daily.
Who We Serve
A Lender for Every Borrower Type
Our breadth of programs means you don't have to shop around for a specialist — the same team handles every scenario below.
First-Time Buyers
We walk you through every step — what to expect, what to avoid, and how to get to closing day with confidence. No jargon, no surprises.
Residential LoansReal Estate Investors
DSCR loans, bridge financing, multifamily acquisition — we qualify on the property's income, not your W-2s. Deal underwriting starts within 24 hours.
DSCR LoansFarmers & Ranchers
Eight specialized ag programs, seasonal payment options, and lenders who've actually stood in a field and understood a Schedule F. We speak your language.
Agricultural LoansMultifamily Owners
From 2-unit owner-occupied to 50-unit apartment buildings — we provide term sheets within 24 hours and handle agency, bridge, DSCR, and construction scenarios.
Multifamily LoansSelf-Employed Borrowers
Tax returns showing losses? We'll qualify you on 12–24 months of bank statements or a CPA-prepared P&L. No W-2s required — your business income is enough.
Self-Employed LoansEquestrian & Rural Property
Horse farms, rural estates, properties with barns, arenas, and large acreage — we know how to underwrite what most lenders decline outright.
Equestrian Loans44 Programs
One Lender, Every Scenario
We cover more loan types under one roof than most regional lenders. Choose a category to see the full list.
Residential Programs
- Conventional
- FHA
- VA
- USDA
- Jumbo
- First-Time Buyer
- Bank Statement
- DSCR / Investor
- Construction
- Renovation (203k & HomeStyle)
- Bridge Loan
- Reverse Mortgage
- ADU Financing
- Piggyback (80/10/10)
- Asset Depletion
- Down Payment Assistance
- Condo
- Manufactured Home
- Refinance
- Cash-Out Refi
- ITIN
Our Process
How We Work — Start to Close
Five steps, transparent at every stage. Here's exactly what to expect when you work with Lumen.
Consultation
A 20–30 minute conversation — phone, video, or in our Portland office. We learn your goals, run preliminary numbers, and tell you exactly which programs fit your scenario. No pressure, no obligation.
Pre-Approval (24–48 hrs)
Submit your documents once through our secure portal. We review credit, income, and assets — and issue a fully underwritten pre-approval letter, not just a pre-qualification. Sellers notice the difference.
Processing & Appraisal
We order the appraisal immediately and manage every part of the pipeline in parallel — title, insurance, and underwriting run simultaneously, not sequentially. This is where our 17-day average comes from.
Clear to Close
We'll walk you through your Closing Disclosure line by line before you sign anything. Every number matches what you were quoted. No last-minute surprises — that's a Lumen guarantee.
Keys in Hand
Close on time, on budget, with a lender whose cell number you have. After closing, we remain your resource for refinance guidance, rate monitoring, and any future purchase or investment.
Client Stories
Straight from Our Borrowers
We don't ask borrowers to rate us. These reviews came in unsolicited — and they say more than we ever could.
"From the day we put our offer in to the day we had the keys in our hands, the process lasted just two weeks and one day. David's knowledge, enthusiasm, and genuine dedication made buying our first home both fun and empowering. We can't imagine what life would be like had we not reached out!"
Read full review on GoogleNick & Bay Nigro
Verified Lumen Borrower
"David helped us refinance our previous home and guided us through purchasing our new one with such grace and expertise. From start to finish, he made the entire process feel effortless and filled us with confidence. If you're looking for someone who truly goes above and beyond, he is your person."
Read full review on GoogleSaam & Sally Taleban
Verified Lumen Borrower
"Kudos to David and Uri for making the loan process so easy and smooth. They had great communication — personable, professional, fast, and responsive. The process from start to finish was easy and understandable."
Read full review on GoogleHilary Lindsey
Verified Lumen Borrower
Lending Footprint
Where We Lend
We are fully licensed in Oregon and California — our primary markets — where we lend on all property and occupancy types. In most other states, we originate investment property loans on residential, multifamily, agricultural, and commercial properties. Hover any state for details.
Oregon — Full License
Primary · Second Home · Investment
California — Full License
Primary · Second Home · Investment
Investment Properties in 36 States
In the states shown in light yellow above, we originate investment property loans on residential, multifamily, agricultural, and commercial properties. Primary residences and second homes are not eligible in these states.
Virginia (VA) — Conditional
Available for investment properties when title vests in a legal entity (LLC, trust, corp., or similar). Individual name vesting is not currently available in Virginia.
Occupancy: Investment properties only.
Not Currently Available: AZ, ID, MI, MN, NE, NV, UT, ND, SD, TN, NY, VT
We are not currently lending in these states. If you need financing in one of these markets, we're happy to connect you with a reputable lender that serves your area — reach out to us and we'll make a personal introduction.
Lending availability and state licensing information is subject to change without notice. Not all loan products are available in all states or for all occupancy types. Lumen Mortgage Corporation — NMLS #1498678. For current availability, contact us directly.
Ready to Get Started?
Work with a Lender Who Puts You First
Apply online in minutes, use our free calculators to model your scenario, or call us directly — 503-966-9255. No pressure, no obligation.