Lumin Lending Privacy Policy
By submitting your telephone number and agreeing to these SMS Terms and Conditions
through our Contact Us form on our website, you expressly consent to receive SMS
(text message) communications from Lumin Lending Inc. These messages are intended
to provide you with timely updates regarding your mortgage account and relevant
information based on your online inquiries.
1. What information is collected?
You may receive the following categories of SMS messages from Lumin Lending Inc.:
SMS Account Notifications
These communications pertain to your account or loan transaction and are sent to the phone number you provided in connection with this transaction. They may include, but are not limited to:
Application processing status
Account and loan information
Requests for additional information or documents
Payment due dates and delinquent account notices
Closing updates and mortgage program information
Marketing Messages
These are based on inquiries you made online for mortgage services and may include details about our products, services, promotions, or events tailored to your interests.
Message Frequency
The number of messages you receive will vary depending on your account activity and
the nature of your inquiries. We aim to ensure all communications are relevant and
purposeful.
Costs
Standard message and data rates may apply, as determined by your mobile carrier.
Please review your carrier’s terms for information on applicable charges.
Opt-Out Instructions
If you wish to stop receiving SMS communications from Lumin Lending Inc., simply reply STOP to any message. You will receive a confirmation message verifying that you have been unsubscribed from future SMS communications.
Assistance
For support or additional information, reply HELP to any message, or reach out to us
directly at [email protected].
Carrier Disclaimer
Mobile carriers are not responsible for any delayed or undelivered messages.
Privacy
Your personal information, including your telephone number, is managed in accordance with our Privacy Policy, We do not disclose your information to third parties for their marketing purposes.
Updates to These Terms
Lumin Lending Inc. reserves the right to amend these SMS Terms and Conditions at
any time. We will notify you of updates by posting the revised terms on our website or
by sending you a text message. Your continued participation in our SMS services
signifies your acceptance of any updated terms.
By opting in, you confirm that you have reviewed and accepted these SMS Terms and
Conditions. Lumin Lending Inc. is dedicated to delivering valuable and efficient
communication to enhance your mortgage experience.
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Fair Lending
© Copyright | Lumin Lending Inc. | NMLS ID # 2716106 | 2025 | All rights reserved.
Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov