Your Direct Line to
50+ Wholesale Lenders
Mo Abdel | Sr. Mortgage Broker | Lumin Lending
Skip the bank. We access 50+ wholesale lenders to find you lower rates, faster approvals, and zero bureaucratic headaches.
No credit check required for initial quote • Fast response times
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Tools and resources at your fingertips
The Lumin Lending Advantage
Access to wholesale pricing that retail banks simply cannot match
Wholesale Power
While retail banks offer their single menu, we access 100+ lenders' wholesale channels— including the banks themselves at better pricing. This means you get institutional rates without institutional bureaucracy.
Program Expertise
Geographic Coverage
Licensed in CA, WA, VA, & CO
Full statewide coverage for all counties
Why Choose a Mortgage Broker vs Banks?
Unlike retail banks with limited product offerings, I leverage wholesale lending channels and 100+ lender relationships to provide more options and competitive pricing for every Orange County homeowner.
Access to 100+ Wholesale Lenders
Brokers provide access to significantly more loan options than retail banks. I connect you to multiple lenders who compete for your business, offering diverse programs and competitive wholesale pricing.
Transparent & Streamlined Process
No confusing jargon or hidden fees. I use modern technology for efficient processing with clear communication at every step of your mortgage journey.
Local Market Expert
Deep knowledge of Orange County's unique neighborhoods, pricing, and market trends. I help you make informed decisions based on local insights.
Personalized Service
You're not a number in a queue. I provide dedicated one-on-one service with each loan strategy tailored to your unique financial situation and goals.
Streamlined Underwriting
Efficient processes with typical 15-21 day closings. Access to multiple approval options through our network of wholesale lenders.
Client-Focused Advocacy
I work for you, not the banks. Your financial well-being guides my recommendations, ensuring you understand all available options.
Client Reviews
Real feedback from real clients on Zillow
"I worked with Mo and Latoyia at WCL to obtain a HEL. I could not be more pleased with the process. Mo was professional, thorough and generally very interested in seeing that my experience was a pleasant one. I'd recommend them to anyone looking for a lender. Great job."
jhcurry
Fairfield, CA • Dec 2025