Constructive Loans LLC Mortgage Lending & HMDA Data, 2025
In 2025, Constructive Loans LLC of Oakbrook Terrace, IL reported 2,052 mortgage applications totaling $536.9 million, up 34% from 2024. The average application was for $261,666, and applicants reported an average income of $0. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Philadelphia, PA (303), Newark, NJ-PA (175) and Wilmington, DE-MD-NJ (148) (applications in parentheses).
| Mortgage Company & Address | Constructive Loans LLC 1801 S Meyers Rd Oakbrook Terrace, IL 60181 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 2,052 |
| Total Mortgage Loan Application Amount | $536,940,000 |
| Average Mortgage Loan Application Amount | $261,666 |
| Highest Mortgage Loan Application Amount | $4,375,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Constructive Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia, PA | 303 | $ 62,425,000 | $ 206,023 | $ 0 |
| Newark, NJ-PA | 175 | $ 98,985,000 | $ 565,628 | $ 0 |
| Wilmington, DE-MD-NJ | 148 | $ 30,470,000 | $ 205,878 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 128 | $ 86,050,000 | $ 672,265 | $ 0 |
| Outside any metro area | 119 | $ 16,685,000 | $ 140,210 | $ 0 |
| Cleveland, OH | 80 | $ 7,630,000 | $ 95,375 | $ 0 |
| San Antonio-New Braunfels, TX | 64 | $ 10,980,000 | $ 171,562 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 56 | $ 5,160,000 | $ 92,142 | $ 0 |
| Lakewood-New Brunswick, NJ | 55 | $ 28,955,000 | $ 526,454 | $ 0 |
| Pittsburgh, PA | 55 | $ 10,065,000 | $ 183,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 50 | $ 7,420,000 | $ 148,400 | $ 0 |
| Trenton, NJ | 39 | $ 8,105,000 | $ 207,820 | $ 0 |
| Camden, NJ | 38 | $ 7,390,000 | $ 194,473 | $ 0 |
| Syracuse, NY | 38 | $ 4,760,000 | $ 125,263 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 36 | $ 3,140,000 | $ 87,222 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 32 | $ 6,400,000 | $ 200,000 | $ 0 |
| Valdosta, GA | 31 | $ 3,005,000 | $ 96,935 | $ 0 |
| Sebastian-Vero Beach, FL | 28 | $ 5,480,000 | $ 195,714 | $ 0 |
| Baltimore-Columbia-Towson, MD | 25 | $ 5,755,000 | $ 230,200 | $ 0 |
| Vineland-Bridgeton, NJ | 24 | $ 4,610,000 | $ 192,083 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 21 | $ 3,565,000 | $ 169,761 | $ 0 |
| Chicago-Naperville, IL | 20 | $ 6,770,000 | $ 338,500 | $ 0 |
| Dallas-Plano-Irving, TX | 19 | $ 4,115,000 | $ 216,578 | $ 0 |
| Flint, MI | 19 | $ 1,315,000 | $ 69,210 | $ 0 |
| Jacksonville, FL | 17 | $ 2,825,000 | $ 166,176 | $ 0 |
| St. Louis, MO-IL | 14 | $ 1,240,000 | $ 88,571 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 13 | $ 4,495,000 | $ 345,769 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 12 | $ 2,420,000 | $ 201,666 | $ 0 |
| Memphis, TN-MS-AR | 12 | $ 1,730,000 | $ 144,166 | $ 0 |
| New Haven-Milford, CT | 12 | $ 4,570,000 | $ 380,833 | $ 0 |
| Rochester, NY | 12 | $ 1,090,000 | $ 90,833 | $ 0 |
| Louisville/Jefferson County, KY-IN | 11 | $ 1,455,000 | $ 132,272 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 4,070,000 | $ 407,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 4,220,000 | $ 422,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 10 | $ 2,280,000 | $ 228,000 | $ 0 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 10 | $ 4,300,000 | $ 430,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 10,740,000 | $ 1,074,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 2,825,000 | $ 313,888 | $ 0 |
| Lebanon, PA | 9 | $ 1,025,000 | $ 113,888 | $ 0 |
| Montgomery, AL | 9 | $ 935,000 | $ 103,888 | $ 0 |
| Washington, DC-MD | 9 | $ 2,075,000 | $ 230,555 | $ 0 |
| Albany-Schenectady-Troy, NY | 8 | $ 2,140,000 | $ 267,500 | $ 0 |
| Atlantic City-Hammonton, NJ | 8 | $ 1,430,000 | $ 178,750 | $ 0 |
| Cincinnati, OH-KY-IN | 8 | $ 1,060,000 | $ 132,500 | $ 0 |
| Providence-Warwick, RI-MA | 8 | $ 2,880,000 | $ 360,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 7 | $ 785,000 | $ 112,142 | $ 0 |
| Jackson, MS | 7 | $ 1,375,000 | $ 196,428 | $ 0 |
| Mobile, AL | 7 | $ 975,000 | $ 139,285 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 7 | $ 2,575,000 | $ 367,857 | $ 0 |
| New Orleans-Metairie, LA | 7 | $ 1,005,000 | $ 143,571 | $ 0 |
| Akron, OH | 6 | $ 500,000 | $ 83,333 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 2,910,000 | $ 485,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 990,000 | $ 165,000 | $ 0 |
| Fort Worth-Arlington, TX | 6 | $ 1,150,000 | $ 191,666 | $ 0 |
| Macon-Bibb County, GA | 6 | $ 760,000 | $ 126,666 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,090,000 | $ 181,666 | $ 0 |
| Raleigh, NC | 6 | $ 2,900,000 | $ 483,333 | $ 0 |
| Waterbury-Shelton, CT | 6 | $ 2,610,000 | $ 435,000 | $ 0 |
| Greenville, NC | 5 | $ 715,000 | $ 143,000 | $ 0 |
| Peoria, IL | 5 | $ 345,000 | $ 69,000 | $ 0 |
| York-Hanover, PA | 5 | $ 735,000 | $ 147,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,730,000 | $ 432,500 | $ 0 |
| Jacksonville, NC | 4 | $ 350,000 | $ 87,500 | $ 0 |
| Kansas City, MO-KS | 4 | $ 690,000 | $ 172,500 | $ 0 |
| Lake County-Porter County-Jasper County, IN | 4 | $ 580,000 | $ 145,000 | $ 0 |
| Nassau County-Suffolk County, NY | 4 | $ 1,920,000 | $ 480,000 | $ 0 |
| Columbus, OH | 3 | $ 815,000 | $ 271,666 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,605,000 | $ 535,000 | $ 0 |
| Harrisburg-Carlisle, PA | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 395,000 | $ 131,666 | $ 0 |
| Killeen-Temple, TX | 3 | $ 765,000 | $ 255,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Springfield, MO | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Washington-Baltimore-Arlington, DC | 3 | $ 485,000 | $ 161,666 | $ 0 |
| Wichita Falls, TX | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Amarillo, TX | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Beckley, WV | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Binghamton, NY | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Canton-Massillon, OH | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Erie, PA | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Glens Falls, NY | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Jackson, TN | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Johnson City, TN | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Lancaster, PA | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Morgantown, WV | 2 | $ 260,000 | $ 130,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Norwich-New London, CT | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Odessa, TX | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Oklahoma City, OK | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Salisbury, MD-DE | 2 | $ 440,000 | $ 220,000 | $ 0 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 1,380,000 | $ 690,000 | $ 0 |
| Toledo, OH | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Albuquerque, NM | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Columbia, MO | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Columbia, SC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Decatur, IL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Dover, DE | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Eau Claire, WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Elmira, NY | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Enid, OK | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Fayetteville, NC | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Florence, SC | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Gainesville, FL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Kingston, NY | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Laredo, TX | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Las Cruces, NM | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Muncie, IN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Muskegon, MI | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Ocala, FL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Pittsfield, MA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Reading, PA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Tampa, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Tyler, TX | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Waco, TX | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Yakima, WA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 325,000 | $ 325,000 | $ 0 |
Mortgage Loan Application Detail Totals for Constructive Loans LLC in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 1,099 | $241,515,000 | $219,000 | $1,505,000 | $0 | $0 |
| Refinancing | 489 | $158,835,000 | $324,000 | $2,645,000 | $0 | $0 |
| Home Purchase | 464 | $136,590,000 | $294,000 | $4,375,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,997 | $524,055,000 | $262,000 | $4,375,000 | $0 | $0 |
| Not Provided | 45 | $9,665,000 | $214,000 | $655,000 | $0 | $0 |
| White | 8 | $2,410,000 | $301,000 | $485,000 | $0 | $0 |
| Asian | 1 | $415,000 | $415,000 | $415,000 | $0 | $0 |
| Hispanic | 1 | $395,000 | $395,000 | $395,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,052 | $536,940,000 | $261,000 | $4,375,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,588 | $401,080,000 | $252,000 | $2,645,000 | $0 | $0 |
| Application Approved But Not Accepted | 197 | $53,785,000 | $273,000 | $1,215,000 | $0 | $0 |
| Application Withdrawn By Applicant | 132 | $38,130,000 | $288,000 | $4,375,000 | $0 | $0 |
| Application Denied By Financial Institution | 131 | $42,665,000 | $325,000 | $2,505,000 | $0 | $0 |
| File Closed For Incompleteness | 4 | $1,280,000 | $320,000 | $565,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,921 | $494,275,000 | $257,000 | $4,375,000 | $0 | $0 |
| Other | 72 | $26,470,000 | $367,000 | $2,505,000 | $0 | $0 |
| Collateral | 31 | $7,285,000 | $235,000 | $1,055,000 | $0 | $0 |
| Unverifiable Information | 14 | $4,850,000 | $346,000 | $755,000 | $0 | $0 |
| Credit Application Incomplete | 7 | $835,000 | $119,000 | $265,000 | $0 | $0 |
| Credit History | 5 | $2,035,000 | $407,000 | $745,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,190,000 | $595,000 | $1,105,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Constructive Loans LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Constructive Loans LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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