Lument Securities

James Flynn serves as Chief Executive Officer of Lument, overseeing all capital markets, loan origination, and investment sales activities. The leadership team combines diverse backgrounds spanning agency finance, bridge lending, and commercial real estate advisory. Day-to-day underwriting and structuring authority rests with specialized production teams organized by product line — Fannie Mae, Freddie Mac, HUD/FHA, balance sheet bridge, and alternative capital — rather than a single CIO function.

Lument operates as a wholly owned subsidiary of ORIX USA, which is itself owned by ORIX Corporation, a publicly traded Japanese financial services group listed on the Tokyo Stock Exchange (8591) and New York Stock Exchange (IX). ORIX USA consolidates Lument alongside other platforms including NXT Capital, Boston Financial, and Signal Peak Capital Management. This structure provides Lument with permanent balance-sheet capital for bridge lending while maintaining operational independence in its agency production and investment sales franchises.

Lument is one of only six lenders licensed to originate across all programs from Fannie Mae, Freddie Mac, and HUD/FHA MAP and LEAN. The firm also runs a direct balance-sheet bridge lending platform and provides access to alternative capital executions. Its 2025 production exceeded $8.8 billion across approximately 550 transactions, financing conventional multifamily, affordable housing, seniors housing and healthcare, and manufactured housing properties.

Lument retains servicing on substantially all agency loans it originates, maintaining a servicing portfolio that exceeded $55.5 billion as of early 2026. Agency loans are securitized through Fannie Mae or Freddie Mac or insured through HUD/FHA, with Lument typically selling the securities into the agency market while keeping the servicing asset. Bridge loans originated on ORIX's balance sheet are held until repayment or takeout by permanent agency financing.

Lument concentrates on multifamily, affordable housing, seniors housing and healthcare, and manufactured housing community loans. The firm does not typically originate office, retail, hotel, or industrial loans through its agency platforms. Its investment sales advisory business focuses on the same multifamily and seniors housing verticals, maintaining alignment between financing and disposition capabilities.

As a licensed GSE lender, Lument can act as lead arranger or co-originate alongside other Fannie Mae, Freddie Mac, or HUD/FHA lenders on large portfolio transactions. The firm's 30-office national network gives it local market access that complements its ability to structure large-format agency and bridge capital. Co-origination is a standard part of its model for assets exceeding a single lender's agency cap.

Lument sources transactions through a network of more than 30 offices across the U.S., placing originators in local markets from which most multifamily owners operate. The firm also leverages an integrated investment sales platform that creates financing opportunities from property dispositions. Ongoing research publications and a market commentary webcast series serve as top-of-funnel client engagement tools, bringing in repeat business from existing borrower relationships.