LUMENT STRUCTURED FINANCE, LLC
LUMENT STRUCTURED FINANCE, LLC received 29 applications in 2025 and made 24 mortgages, in 23 counties across 12 states. The median rate its borrowers got was 6.897% on a median loan of $4,415,000. Of 27 decisions, 2 were denials — 7.4%, most often for mortgage insurance denied.
| Legal Entity Identifier | 549300WPK18IMSC1OM63 |
|---|---|
| Applications received | 29 |
| Mortgages made | 24 |
| Denied | 2 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 2 |
| 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 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Refinancing | 22 | 6.897% | $6,965,000 | 0.0% |
| Other purposes | 0 | Under 10 loans | Under 10 loans | 100.0% |
Where LUMENT STRUCTURED FINANCE, LLC lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Will County, IL | 1 | Under 10 loans | 0.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 1 | Under 10 loans | 0.0% |
| Medina County, OH | 1 | Under 10 loans | 0.0% |
| Miami County, OH | 1 | Under 10 loans | 0.0% |
| Richland County, SC | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Grayson County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 50.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Alexandria city, VA | 1 | Under 10 loans | 0.0% |
| Pierce County, WA | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 0 | Under 10 loans | 0.0% |
| King County, WA | 0 | Under 10 loans | 100.0% |
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When LUMENT STRUCTURED FINANCE, LLC’s figures are published for the next year, or restated.
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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.