Licensing & Legal Information

Luma Lending is a fully licensed mortgage broker serving Kentucky and Ohio, dedicated to providing transparent and trustworthy mortgage solutions for our clients. We are proud to operate in full compliance with all state and federal lending laws and regulations.

NMLS Consumer Access

Company Licensing Information

• Luma Lending, LLC

  • NMLS #2682683

  • Licensed in: Kentucky and Ohio

Individual Licensing Information

• Laiken Charles – Broker & Founder

  • NMLS #1910566

  • Licensed in Kentucky and Ohio

• Laura Clark – Mortgage Loan Officer

  • NMLS #2012154

  • Licensed in Kentucky and Ohio

State Licensing Information

• Kentucky Mortgage Broker License ID: MB889414

  • Licensed and regulated by the Kentucky Department of Financial Institutions

• Ohio Mortgage Broker License ID: RM.805436.000

  • Licensed and regulated by the Ohio Department of Commerce – Division of Financial Institutions

Fair Lending Statement

Luma Lending complies with all applicable fair lending laws, including the Equal Credit Opportunity Act (ECOA), Fair Housing Act, and other federal and state regulations. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or any other protected characteristic.

Contact Information

If you have questions about our licensing, regulatory compliance, or lending practices, please contact us at:

Luma Lending
Email: laiken@lumalends.com
Phone: (606) 922-2648
Address: 2824 Holt St
First Floor
Ashland, KY 41101