Oregon & California Mortgage Lender — 44 Loan Programs
Lumen Mortgage Corporation · NMLS #1498678
Lumen Mortgage Corporation is a direct mortgage lender headquartered in Portland, Oregon, serving borrowers in Portland, Eugene, Salem, Bend, Ashland, Medford, Sacramento, and throughout Oregon and California. We offer 44 loan programs across residential, multifamily, agricultural, and commercial categories — including conventional, FHA, VA, USDA, jumbo, DSCR, bridge, construction, self-employed, and physician loan options.
What makes us different? We don't sell — we listen and educate, then let you choose the option that's best for you. Every cost is itemized upfront with full transparency, our average clear-to-close is just 17 days, and we provide 16 free interactive calculators so you can model payments, compare scenarios, and make confident decisions before ever speaking to a loan officer.
Whether you're a first-time homebuyer in Portland, a rancher financing farmland in Central Oregon, a real estate investor evaluating DSCR loans in Sacramento, or a business owner purchasing commercial property — we have a program designed for your situation. Explore our 16 free calculators, check current mortgage rates, or browse our expert blog articles to get started.
Residential Loans
21 programs including conventional, FHA, VA, USDA, jumbo, DSCR, bridge, construction, and renovation.
Commercial Loans
9 CRE programs from $1M–$30M+ across 40 states. Term sheets in 24 hours.
Agricultural Loans
8 farm & ranch programs with seasonal payment options across 40 states.
Multifamily Loans
6 apartment financing programs for 2–4 unit to large agency deals.