Park lenders
Lument
Lument is a commercial real estate lender and advisory firm, and a subsidiary of ORIX Corporation USA. It originates Fannie Mae, Freddie Mac and HUD/FHA loans alongside balance-sheet bridge and alternative capital, and runs investment sales, capital markets, M&A advisory, investment management and loan servicing.
Manufactured housing is a named property speciality with its own production team. The desk finances acquisitions and refinancings of manufactured housing communities through the agency programmes or off Lument's own balance sheet, on the argument that manufactured housing is the least standardised form of commercial real estate and therefore needs a lender fluent in both. A mortgage banking services arm also acts as FHA lender correspondent for brokers, taking assignment of an FHA commitment or table funding the loan.
In 2025 Lument closed more than $8.8 billion in debt across 550 deals, financing over 75,000 housing units, and it has transacted in all 50 states. It is the number one FHA MAP lender by loan count for HUD's 2025 fiscal year, serviced a portfolio above $56.5 billion as of July 2026, and is one of only six lenders licensed to offer every Fannie Mae, Freddie Mac and HUD/FHA MAP and LEAN programme. It is headquartered in New York with more than 30 offices nationwide.
Loan minimums, recourse terms and pricing are not published. Origination and servicing run through Lument Real Estate Capital, LLC (NMLS No. 1108165) and Lument Structured Finance, LLC (NMLS No. 1965819); establish which entity and which programme applies before you apply.
Best for
MHC owners and buyers who need agency or balance-sheet debt and want one lender that can also do FHA and bridge. An owner of a single small park may find the process heavier than a local bank's.
What they do
- Fannie Mae multifamily and MHC loans
- Freddie Mac multifamily and MHC loans
- HUD/FHA MAP and LEAN lending
- Balance-sheet bridge financing
- Real estate investment sales
- Capital markets and M&A advisory
- Loan servicing and asset management
- FHA lender correspondent services for brokers
Details
| Attribute | Value |
|---|---|
| Ownership | Subsidiary |
| Other offices | Birmingham, AL, Phoenix, AZ, Irvine, CA, San Diego, CA, Denver, CO, Washington, DC, Miami, FL, Atlanta, GA, Chicago, IL, Boston, MA, Columbus, OH, Dallas, TX |
| Licenses | NMLS No. 1108165 (Lument Real Estate Capital, LLC), NMLS No. 1965819 (Lument Structured Finance, LLC), California Finance Law License No. 603I397, California Finance Law License No. 60DBO-41899 |
| Lender type | Agency |
| Recourse | Non-recourse |
What stands out
- Closed more than $8.8 billion in debt across 550 deals in 2025, financing over 75,000 housing units.
- Ranked the number one FHA MAP lender by loan count for HUD fiscal year 2025.
- Servicing portfolio above $56.5 billion as of July 2026.
- One of six lenders licensed to offer every Fannie Mae, Freddie Mac and HUD/FHA MAP and LEAN programme.
- More than 30 offices nationwide, with completed transactions in all 50 states.