Constructive Loans, LLC mortgage approval rate & lending review
Constructive Loans, LLC decided 3,812 mortgage applications and funded 3,257 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Constructive Loans, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Constructive Loans, LLC at a glance
Approval is 18.0 points above the 78.2% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Constructive Loans, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Philadelphia County, PA | Investment cash-out refinance | 97% | 351 | 318 |
| Essex County, NJ | Investment refinance | 100% | 261 | 239 |
| Essex County, NJ | Investment property purchase | 100% | 250 | 230 |
| New Castle County, DE | Investment cash-out refinance | 99% | 135 | 130 |
| Philadelphia County, PA | Investment property purchase | 83% | 117 | 87 |
| Mercer County, NJ | Investment cash-out refinance | 99% | 75 | 71 |
| Milwaukee County, WI | Investment cash-out refinance | 100% | 68 | 67 |
| Bexar County, TX | Investment refinance | 98% | 64 | 61 |
| Philadelphia County, PA | Investment refinance | 98% | 64 | 49 |
| Wayne County, MI | Investment cash-out refinance | 91% | 55 | 47 |
| Essex County, NJ | Investment cash-out refinance | 98% | 55 | 45 |
| Cuyahoga County, OH | Investment cash-out refinance | 100% | 50 | 44 |
The county markets where Constructive Loans, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Constructive Loans, LLC
What is Constructive Loans, LLC's mortgage approval rate?
Constructive Loans, LLC approved 96.2% of the 3,812 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.0 points above the 78.2% national rate for the same mix of loan types.
How often do borrowers take the loan Constructive Loans, LLC offers?
Borrowers accepted 89% of the loans Constructive Loans, LLC approved, against 92% for all investment cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Constructive Loans, LLC make?
The typical investment cash-out refinance loan Constructive Loans, LLC made was $175K; across all loan types its typical loan ran from $175K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Constructive Loans, LLC lend?
Constructive Loans, LLC decided applications in 34 of the states Fat Boy Data covers, most of them in New Jersey, Pennsylvania and New York.
Can I apply to Constructive Loans, LLC directly?
Yes. Constructive Loans, LLC reports as a direct lender that takes applications from borrowers.
Does this page show Constructive Loans, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Constructive Loans, LLC treats applications, then get a rate quote from the lender.