LUMENT REAL ESTATE CAPITAL, LLC
LUMENT REAL ESTATE CAPITAL, LLC received 513 applications in 2025 and made 399 mortgages, in 244 counties across 45 states. The median rate its borrowers got was 5.680% on a median loan of $4,560,000. Of 444 decisions, 32 were denials — 7.2%, most often for collateral.
| Legal Entity Identifier | 549300JGMQJ4R419LR70 |
|---|---|
| Applications received | 513 |
| Mortgages made | 399 |
| Denied | 32 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 55 | 5.680% | $3,735,000 | 0.0% |
| Refinancing | 344 | 5.685% | $4,745,000 | 0.0% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where LUMENT REAL ESTATE CAPITAL, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 23 | 5.800% | 14.8% |
| Cook County, IL | 21 | 5.710% | 14.8% |
| Maricopa County, AZ | 10 | 5.310% | 0.0% |
| Franklin County, OH | 10 | 5.620% | 0.0% |
| Cuyahoga County, OH | 9 | Under 10 loans | 0.0% |
| King County, WA | 9 | Under 10 loans | 0.0% |
| Bernalillo County, NM | 8 | Under 10 loans | 11.1% |
| Dallas County, TX | 8 | Under 10 loans | 10.0% |
| Philadelphia County, PA | 7 | Under 10 loans | 0.0% |
| Harris County, TX | 7 | Under 10 loans | 0.0% |
| Monroe County, NY | 6 | Under 10 loans | 0.0% |
| Williams County, ND | 5 | Under 10 loans | 0.0% |
| San Diego County, CA | 4 | Under 10 loans | 0.0% |
| Pinellas County, FL | 4 | Under 10 loans | 0.0% |
| Jefferson County, KY | 4 | Under 10 loans | 0.0% |
| Macomb County, MI | 4 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 4 | Under 10 loans | 0.0% |
| Montgomery County, PA | 4 | Under 10 loans | 0.0% |
| El Paso County, TX | 4 | Under 10 loans | 0.0% |
| Tarrant County, TX | 4 | Under 10 loans | 20.0% |
| Miami-Dade County, FL | 3 | Under 10 loans | 0.0% |
| DuPage County, IL | 3 | Under 10 loans | 0.0% |
| Suffolk County, MA | 3 | Under 10 loans | 0.0% |
| Washoe County, NV | 3 | Under 10 loans | 0.0% |
| Tulsa County, OK | 3 | Under 10 loans | 0.0% |
| Allegheny County, PA | 3 | Under 10 loans | 0.0% |
| Lubbock County, TX | 3 | Under 10 loans | 0.0% |
| Travis County, TX | 3 | Under 10 loans | 25.0% |
| Jefferson County, AL | 2 | Under 10 loans | 0.0% |
| Mobile County, AL | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 2 | Under 10 loans | 0.0% |
| Orange County, CA | 2 | Under 10 loans | 0.0% |
| Sacramento County, CA | 2 | Under 10 loans | 0.0% |
| San Mateo County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 0.0% |
| Ventura County, CA | 2 | Under 10 loans | 33.3% |
| Capitol Planning Region, CT | 2 | Under 10 loans | 0.0% |
| District of Columbia, DC | 2 | Under 10 loans | 0.0% |
| Duval County, FL | 2 | Under 10 loans | 0.0% |
| Polk County, FL | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 0.0% |
| Baltimore city, MD | 2 | Under 10 loans | 0.0% |
| Eaton County, MI | 2 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Burlington County, NJ | 2 | Under 10 loans | 0.0% |
| Essex County, NJ | 2 | Under 10 loans | 0.0% |
| Ocean County, NJ | 2 | Under 10 loans | 0.0% |
| Kings County, NY | 2 | Under 10 loans | 33.3% |
| Queens County, NY | 2 | Under 10 loans | 0.0% |
| Guilford County, NC | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.