Frequently Asked Questions

Lumina is the technology platform that powers your mortgage experience — from application to closing. It is not a bank or a lender. Lumina provides the AI-driven tools, digital application, document upload, and rate-comparison engine that make the mortgage process faster and easier. All mortgage loans originated through Lumina are processed and funded through C2 Financial Corporation (NMLS #135622), a licensed mortgage broker.

C2 Financial Corporation is a licensed mortgage broker (NMLS #135622) headquartered in San Diego, California. C2 Financial is the entity that originates, processes, and facilitates your mortgage loan. Lumina operates under C2 Financial's brokerage license. You can verify C2 Financial's licensing information on the NMLS Consumer Access website.

No. Lumina is a technology platform, not a lender or bank. We do not directly fund loans. Instead, we connect you with competitive loan options from 50+ wholesale lenders through our broker relationship with C2 Financial Corporation. This means you get access to a wide range of rates and products without having to shop around yourself.

You can verify all licensing information through the Nationwide Multistate Licensing System (NMLS):

• C2 Financial Corporation — NMLS #135622: View on NMLS Consumer Access
• Individual Loan Originator — NMLS #1631748

Lumina currently serves borrowers in Florida, with plans to expand to additional states. All operations are conducted under C2 Financial Corporation's state-specific licenses. Check back for updates as we expand our coverage.