Lument Real Estate Capital in Texas vs the state
10.0%Denial rate-9.43 pts vs state
11.5%Decision denial rate-13.36 pts vs state
75.0%Origination rate+20.12 pts vs state
5.66%Median rate-0.84 pts vs state
—Rate spread (pts)
—Median applicant income
45Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 31 | 10.9% | 0.06% | #731 |
| 2024 | 72 | 54 | 8.3% | 5.86% | #616 |
| 2025 | 60 | 45 | 10.0% | 5.66% | #669 |
What Lument Real Estate Capital lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lument Real Estate Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 10 | 8 | 1 | 10.0% |
| Harris County | 10 | 7 | 0 | 0.0% |
| Tarrant County | 6 | 4 | 1 | 16.7% |
| El Paso County | 5 | 4 | 0 | 0.0% |
| Travis County | 5 | 3 | 1 | 20.0% |
| Bexar County | 3 | 2 | 0 | 0.0% |
| Lubbock County | 3 | 3 | 0 | 0.0% |
| Bell County | 2 | 2 | 0 | 0.0% |
| San Patricio County | 2 | 2 | 0 | 0.0% |
| Ellis County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 60 applications in 2025, of which 45 were originated and 6 denied.
10.0% of all applications, or 11.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Lument Real Estate Capital originated in Texas in 2025 was 5.66%, against a statewide median of 6.50%.
About this data. Figures are Lument Real Estate Capital's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology