Lender profile · HMDA 2023–2025
Constructive Loans, LLC mortgage approval rates & lending data
Constructive Loans, LLC decided 3,812 mortgage applications and funded 3,257 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Investment property purchase | 95% | 1,025 / 1,077 | 89% | $185K | 910 |
| Investment cash-out refinance | 97% | 1,799 / 1,864 | 91% | $175K | 1,634 |
| Investment refinance | 97% | 844 / 870 | 84% | $325K | 712 |
Constructive Loans, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 97% | $545K | 1,177 | 1,040 |
| Pennsylvania | 95% | $225K | 808 | 697 |
| New York | 95% | $585K | 231 | 186 |
| Florida | 95% | $195K | 224 | 125 |
| Ohio | 97% | $85K | 200 | 169 |
| Delaware | 99% | $175K | 194 | 186 |
| Texas | 97% | $175K | 152 | 133 |
| Michigan | 95% | $105K | 130 | 112 |
| Connecticut | 96% | $325K | 91 | 80 |
| Maryland | 94% | $135K | 90 | 79 |
| Illinois | 97% | $155K | 79 | 71 |
| Wisconsin | 99% | $85K | 79 | 76 |
| Georgia | 99% | $95K | 70 | 66 |
| North Carolina | 92% | $155K | 62 | 53 |
| Alabama | 94% | $95K | 36 | 29 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.