Licensing & Disclosures

Licensing information.

Daniel McGrail-Granger is a licensed Mortgage Loan Originator sponsored by Lumin Lending, Inc.. Below are the individual and company credentials and the states where loan origination services are offered. Every license can be independently verified at NMLS Consumer Access.

Licensed states

Loan origination services are offered in the following states. License type is shown; current license numbers and status are verifiable at NMLS Consumer Access.

Daniel McGrail-Granger is a licensed Mortgage Loan Originator, NMLS #920614, CA DRE #01429328, sponsored by Lumin Lending ©2026 | Lumin Lending Inc. d/b/a Lumin Lending | NMLS #2716106 | For all Lumin Lending licensing: nmlsconsumeraccess.org | 18201 Von Karman Ave, Suite 800, Irvine, CA 92612 | 888-556-9728 | Required state licensing statements: Licensed by the California Department of Real Estate, License #02291443 | Not available in all states. All loans are subject to underwriting approval. Terms and Conditions apply. Subject to change without notice. | Not affiliated with any government agency. None of the materials included on this website or any marketing materials were provided or approved by the Department of Veterans Affairs, the Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), or any other government agency. | Some programs, such as HELOCs, may not be available in all states. With a reverse mortgage, age requirements may differ by product and state. Not all applicants or properties will qualify for all programs or loan options. Debt Consolidation is taking your high interest debt and rolling it into a lower interest mortgage loan. By refinancing an existing mortgage, your total finance charges may be higher over the life of the loan. | For Advertisement Purposes Only. This is not a commitment to lend or offer of credit. All Rights Reserved. Equal Housing Lender. Equal Housing Opportunity.

Attn: OREGON APPLICANTS: RESIDENTIAL MORTGAGE LOAN SERVICERS ARE REGULATED BY THE OREGON DIVISION OF FINANCIAL REGULATION. TO FILE A COMPLAINT, CALL 866-814-9710 OR VISIT DFR.OREGON.GOV.

Attn: TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETE COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED 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.