Licensing & Lending Area
Where Lumen Mortgage Lends
We are fully licensed in Oregon and California for all property types and occupancy types. In most other U.S. states, we originate investment property loans on residential, multifamily, agricultural, and commercial properties.
Our Credentials
Full-Service Licensed States
Oregon and California are our primary markets. We hold full mortgage licenses in both states, allowing us to lend on primary residences, second homes, and investment properties across all loan programs.
Oregon
Division of Financial Regulation
NMLS License
#1498678
Eligible Occupancy
Loan Programs
California
Dept. of Financial Protection & Innovation
NMLS License
#1498678
Eligible Occupancy
Loan Programs
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.
Investment Lending
Investment Property States by Region
In the following states, we originate loans for investment properties only — covering residential (1–4 unit non-owner-occupied), multifamily (5+ units), agricultural, and commercial properties.
Northeast
9 statesSoutheast
9 statesMidwest
7 statesSouth & Southwest
4 statesMountain & West
6 statesWhat "Investment Properties Only" Means
In states outside of Oregon and California, our lending activity is limited to properties purchased or refinanced for business or investment purposes — not for personal occupancy. Practically, this means:
- 1–4 unit residential rentals (non-owner-occupied)
- 5+ unit apartment buildings and mixed-use
- Farmland, ranchland, orchards, and vineyards
- Commercial agricultural operations
- Raw land held for investment or development
- Short-term rental (STR) and DSCR loan structures
Primary residences, second homes, and owner-occupied properties in states outside OR and CA are not eligible. Loan eligibility is always subject to credit, property, and underwriting guidelines.
Virginia — Conditional Lending
VAInvestment property lending in Virginia is available when the title vests in a legal entity — such as an LLC, trust, corporation, or similar business structure. Individual name vesting on investment property transactions is not currently available in Virginia. Please contact us to confirm eligibility before proceeding.
Not Currently Available
States Where We Don't Currently Lend
The following states either require a mortgage broker license we do not currently hold, or are otherwise not available at this time.
Arizona
Broker license required
Idaho
Broker license required
Michigan
Broker license required
Minnesota
Broker license required
Nebraska
Broker license required
Nevada
Broker license required
New York
Not currently available
North Dakota
Broker license required
South Dakota
Broker license required
Tennessee
Broker license required
Utah
Broker license required
Vermont
Not currently available
Licensing footprint changes over time. If you're located in one of these states and are interested in investment property financing, contact us — we may be able to refer you to a trusted lending partner.
Regulatory & Licensing Disclosures
Lumen Mortgage Corporation · NMLS ID #1498678 · 920 SW 6th Ave, Suite 1200, Portland, OR 97204 · Phone: 503-966-9255
Licensed by the Oregon Division of Financial Regulation and the California Department of Financial Protection and Innovation (DBO/DFPI). All loans subject to credit approval, underwriting review, and applicable state and federal regulations.
In states other than Oregon and California, Lumen Mortgage Corporation originates loans exclusively for business or investment purposes where no consumer mortgage broker license is required. These transactions are not subject to the same consumer protections that apply to owner-occupied residential mortgage loans.
Rates, terms, and programs are subject to change without notice. Not all applicants will qualify. This is not a commitment to lend. Equal Housing Lender.
Questions About Your State?
Let's Find Out If We Can Help
Not sure if your property qualifies? Give us a call or send a quick message — we'll give you a straight answer about eligibility and next steps.