Lument Real Estate Capital in Florida vs the state
4.2%Denial rate-16.89 pts vs state
4.8%Decision denial rate-22.48 pts vs state
79.2%Origination rate+26.48 pts vs state
5.66%Median rate-0.96 pts vs state
—Rate spread (pts)
—Median applicant income
19Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 16 | 12.0% | 0.06% | #779 |
| 2024 | 31 | 22 | 6.5% | 6.08% | #699 |
| 2025 | 24 | 19 | 4.2% | 5.66% | #731 |
What Lument Real Estate Capital lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Lument Real Estate Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 5 | 3 | 0 | 0.0% |
| Pinellas County | 4 | 4 | 0 | 0.0% |
| Hillsborough County | 2 | 1 | 0 | 0.0% |
| Seminole County | 2 | 1 | 0 | 0.0% |
| Duval County | 2 | 2 | 0 | 0.0% |
| Polk County | 2 | 2 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Highlands County | 1 | 1 | 0 | 0.0% |
| Broward County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 24 applications in 2025, of which 19 were originated and 1 denied.
4.2% of all applications, or 4.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Lument Real Estate Capital originated in Florida in 2025 was 5.66%, against a statewide median of 6.63%.
About this data. Figures are Lument Real Estate Capital's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology