Applications / Mortgage Analytics / Lenders / Ohio / Lument Structured Finance
Columbus, OH · Non-bank or government lender · CFPB · 24 loans in 2025
Lument Structured Finance's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
24
loans originated, 2025
29
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lument Structured Finance makes a handful of very large loans, nearly all refinances, which marks it out as a lender on large properties rather than family homes.
It made 24 loans in 2025, fewer than most similar lenders (non-bank or government lenders making between half and twice as many loans). Yet its typical loan was $28.7 million, against $390,000 for those peers. Nine in ten were refinances (91.7%), and all were conventional loans with no government backing. Loans of that size finance large properties, not single homes.
It first reported in 2021, with 119 loans. Lending fell to 11 in 2023 and has edged up since, to 21 in 2024 and 24 in 2025. That 14% rise came while similar lenders' loans fell 15% and the whole market grew 10%. On counts this low, a deal or two either way moves every figure.
Its 24 loans were scattered over 11 states and 18 metros, with Texas the main state. Its share of any single market therefore rests on a deal or two and says little about its standing there. The same goes for its lending in poorer and majority-minority neighborhoods: both shares, at 16.7%, rest on too few loans to read much into.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lument Structured Finance took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 91.7% · Purchase 8.3%
Conventional 100.0% · of 24 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 | 6 | 25.0% |
| Ohio | 4 | 16.7% |
| Arizona | 3 | 12.5% |
| Illinois | 3 | 12.5% |
| Michigan | 2 | 8.3% |
| Alabama | 1 | 4.2% |
| California | 1 | 4.2% |
| North Carolina | 1 | 4.2% |
| South Carolina | 1 | 4.2% |
| Virginia | 1 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 3 |
| Austin-Round Rock-San Marcos | 2 |
| Chicago-Naperville-Schaumburg | 2 |
| Columbus | 2 |
| Lansing-East Lansing | 2 |
| Arlington-Alexandria-Reston | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Cleveland | 1 |
| Columbia | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WPK18IMSC1OM63 | 2021–2025 |
Established 12 February 2014. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Lument Structured Finance's data.
Lument Structured Finance's data
$215
Lument Structured Finance 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.
Buy Lument Structured Finance's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]