Lument Real Estate Capital in California vs the state
10.0%Denial rate-7.42 pts vs state
12.0%Decision denial rate-10.40 pts vs state
73.3%Origination rate+17.13 pts vs state
5.79%Median rate-0.84 pts vs state
—Rate spread (pts)
—Median applicant income
44Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 40 | 14.9% | 0.06% | #502 |
| 2024 | 83 | 67 | 9.6% | 5.70% | #462 |
| 2025 | 60 | 44 | 10.0% | 5.79% | #504 |
What Lument Real Estate Capital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Lument Real Estate Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 34 | 23 | 4 | 11.8% |
| San Diego County | 4 | 4 | 0 | 0.0% |
| Ventura County | 3 | 2 | 1 | 33.3% |
| Santa Clara County | 2 | 2 | 0 | 0.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| San Mateo County | 2 | 2 | 0 | 0.0% |
| Sacramento County | 2 | 2 | 0 | 0.0% |
| Kern County | 1 | 1 | 0 | 0.0% |
| Solano County | 1 | 1 | 0 | 0.0% |
| Contra Costa County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 60 applications in 2025, of which 44 were originated and 6 denied.
10.0% of all applications, or 12.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Lument Real Estate Capital originated in California in 2025 was 5.79%, against a statewide median of 6.63%.
About this data. Figures are Lument Real Estate Capital's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology