Applications / Mortgage Analytics / Lenders / Ohio / Lument Real Estate Capital
Columbus, OH · Non-bank or government lender · CFPB · 402 loans in 2025
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402
loans originated, 2025
516
applications, 2025
43
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lument Real Estate Capital, a Columbus, Ohio, lender, makes loans on large properties rather than single homes: its typical loan was $7.5 million in 2025.
Its typical loan was $7.5 million, against $365,000 at similar lenders (non-bank or government lenders making between half and twice as many loans). Loans of that size finance large buildings, not houses, so its dollar figures and market shares cannot be set beside home lenders'. No borrower incomes are recorded, which may mean its borrowers are businesses rather than households.
Refinances made up 86.3% of its 402 loans. Loans insured by the Federal Housing Administration (FHA) were 14.9%, where the typical similar lender has none; five years earlier its own share was 0.0%.
Some 37.1% of its loans were on properties in low- and moderate-income (LMI) neighborhoods, against 19.0% for the typical peer, higher than at nearly nine in ten similar lenders. Another 44.0% were in majority-minority neighborhoods, against 33.4%.
Its loan count fell 15% in 2025, from 471, while similar lenders grew 12% and the market 10%. Its count swings from year to year, from 169 in 2022 to 471 in 2024. It lends in 43 states, Texas most of all.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lument Real Estate Capital took 516 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 86.3% · Purchase 13.7%
Conventional 85.1% · FHA 14.9% · of 402 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 45 | 11.2% |
| California | 44 | 10.9% |
| Ohio | 29 | 7.2% |
| Illinois | 28 | 7.0% |
| Florida | 19 | 4.7% |
| Pennsylvania | 18 | 4.5% |
| New York | 15 | 3.7% |
| Washington | 15 | 3.7% |
| Alabama | 14 | 3.5% |
| Michigan | 13 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 24 |
| Los Angeles-Long Beach-Glendale | 23 |
| Cleveland | 11 |
| Columbus | 11 |
| Phoenix-Mesa-Chandler | 11 |
| Dallas-Plano-Irving | 9 |
| Seattle-Bellevue-Kent | 9 |
| Albuquerque | 8 |
| Houston-Pasadena-The Woodlands | 7 |
| New York-Jersey City-White Plains | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JGMQJ4R419LR70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2917915 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7311712553 | |
| Respondent ID (the HMDA filer code before 2018) | 22917915 | 1998–2004 |
| Respondent ID (the HMDA filer code before 2018) | 1311712553 | 2006–2008 |
Established 4 May 2010. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Lument Real Estate Capital's data.
Lument Real Estate Capital's data
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Lument Real Estate Capital and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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