Constructive Loans LLC Mortgage Lending & HMDA Data, 2020
In 2020, Constructive Loans LLC of Oakbrook Terrace, IL reported 1,329 mortgage applications totaling $248.5 million. The average application was for $186,956, and applicants reported an average income of $0. 42% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Chicago-Naperville, IL (377), Miami-Miami Beach-Kendall, FL (73) and Houston-The Woodlands-Sugar Land, TX (65) (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 | 1,329 |
| Total Mortgage Loan Application Amount | $248,465,000 |
| Average Mortgage Loan Application Amount | $186,956 |
| Highest Mortgage Loan Application Amount | $2,935,000 |
| 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(HMDA) records Constructive Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Naperville, IL | 377 | $ 62,325,000 | $ 165,318 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 73 | $ 9,375,000 | $ 128,424 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 65 | $ 10,875,000 | $ 167,307 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 42 | $ 5,130,000 | $ 122,142 | $ 0 |
| Dallas-Plano-Irving, TX | 41 | $ 6,815,000 | $ 166,219 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 39 | $ 7,735,000 | $ 198,333 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 39 | $ 21,225,000 | $ 544,230 | $ 0 |
| Philadelphia, PA | 38 | $ 5,590,000 | $ 147,105 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 30 | $ 6,720,000 | $ 224,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 29 | $ 3,465,000 | $ 119,482 | $ 0 |
| Baltimore-Columbia-Towson, MD | 24 | $ 2,690,000 | $ 112,083 | $ 0 |
| Fort Worth-Arlington, TX | 24 | $ 3,190,000 | $ 132,916 | $ 0 |
| Nassau County-Suffolk County, NY | 23 | $ 11,275,000 | $ 490,217 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 22 | $ 3,550,000 | $ 161,363 | $ 0 |
| Outside any metro area | 20 | $ 3,200,000 | $ 160,000 | $ 0 |
| Punta Gorda, FL | 20 | $ 1,800,000 | $ 90,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 3,130,000 | $ 173,888 | $ 0 |
| Camden, NJ | 16 | $ 1,540,000 | $ 96,250 | $ 0 |
| Wilmington, DE-MD-NJ | 16 | $ 1,700,000 | $ 106,250 | $ 0 |
| New York-Newark, NY | 15 | $ 3,745,000 | $ 249,666 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 14 | $ 3,830,000 | $ 273,571 | $ 0 |
| Cincinnati, OH-KY-IN | 14 | $ 1,500,000 | $ 107,142 | $ 0 |
| Dayton-Springfield-Kettering, OH | 13 | $ 1,175,000 | $ 90,384 | $ 0 |
| Lake County-Kenosha County, IL-WI | 13 | $ 1,385,000 | $ 106,538 | $ 0 |
| Newark, NJ-PA | 13 | $ 4,385,000 | $ 337,307 | $ 0 |
| Memphis, TN-MS-AR | 12 | $ 3,920,000 | $ 326,666 | $ 0 |
| Kansas City, MO-KS | 10 | $ 1,150,000 | $ 115,000 | $ 0 |
| Elgin, IL | 9 | $ 1,355,000 | $ 150,555 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 1,655,000 | $ 183,888 | $ 0 |
| Pittsburgh, PA | 8 | $ 970,000 | $ 121,250 | $ 0 |
| Austin-Round Rock, TX | 7 | $ 2,385,000 | $ 340,714 | $ 0 |
| Chattanooga, TN-GA | 7 | $ 1,055,000 | $ 150,714 | $ 0 |
| Lansing-East Lansing, MI | 7 | $ 855,000 | $ 122,142 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 715,000 | $ 102,142 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 790,000 | $ 131,666 | $ 0 |
| California-Lexington Park, MD | 6 | $ 1,210,000 | $ 201,666 | $ 0 |
| Gary, IN | 6 | $ 880,000 | $ 146,666 | $ 0 |
| Providence-Warwick, RI-MA | 6 | $ 1,920,000 | $ 320,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 670,000 | $ 111,666 | $ 0 |
| Cleveland-Elyria, OH | 5 | $ 2,155,000 | $ 431,000 | $ 0 |
| New Orleans-Metairie, LA | 5 | $ 625,000 | $ 125,000 | $ 0 |
| San Antonio-New Braunfels, TX | 5 | $ 475,000 | $ 95,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 4 | $ 580,000 | $ 145,000 | $ 0 |
| Dover, DE | 4 | $ 430,000 | $ 107,500 | $ 0 |
| El Paso, TX | 4 | $ 390,000 | $ 97,500 | $ 0 |
| Erie, PA | 4 | $ 250,000 | $ 62,500 | $ 0 |
| Jacksonville, FL | 4 | $ 2,840,000 | $ 710,000 | $ 0 |
| Macon-Bibb County, GA | 4 | $ 300,000 | $ 75,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 860,000 | $ 215,000 | $ 0 |
| Pueblo, CO | 4 | $ 690,000 | $ 172,500 | $ 0 |
| Richmond, VA | 4 | $ 410,000 | $ 102,500 | $ 0 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,680,000 | $ 420,000 | $ 0 |
| Trenton, NJ | 4 | $ 560,000 | $ 140,000 | $ 0 |
| Tulsa, OK | 4 | $ 390,000 | $ 97,500 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,785,000 | $ 595,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Elmira, NY | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 875,000 | $ 291,666 | $ 0 |
| Lakeland-Winter Haven, FL | 3 | $ 505,000 | $ 168,333 | $ 0 |
| Lima, OH | 3 | $ 265,000 | $ 88,333 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 725,000 | $ 241,666 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 765,000 | $ 255,000 | $ 0 |
| Oklahoma City, OK | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 665,000 | $ 221,666 | $ 0 |
| Rochester, NY | 3 | $ 405,000 | $ 135,000 | $ 0 |
| St. Louis, MO-IL | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Atlantic City-Hammonton, NJ | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Battle Creek, MI | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Colorado Springs, CO | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Columbus, OH | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Joplin, MO | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,210,000 | $ 605,000 | $ 0 |
| Rocky Mount, NC | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Sherman-Denison, TX | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 2 | $ 1,970,000 | $ 985,000 | $ 0 |
| Winchester, VA-WV | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Akron, OH | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Albany, OR | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Albuquerque, NM | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Boulder, CO | 1 | $ 2,245,000 | $ 2,245,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Columbus, IN | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Decatur, IL | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 315,000 | $ 315,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Glens Falls, NY | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Grand Junction, CO | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Ithaca, NY | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Knoxville, TN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lake Charles, LA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lancaster, PA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Laredo, TX | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 1,145,000 | $ 1,145,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Michigan City-La Porte, IN | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Ocean City, NJ | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Panama City, FL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Racine, WI | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Raleigh, NC | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Roanoke, VA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Rockford, IL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Syracuse, NY | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Tucson, AZ | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Tyler, TX | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Warner Robins, GA | 1 | $ 65,000 | $ 65,000 | $ 0 |
Mortgage Loan Application Detail Totals for Constructive Loans LLC in 2020
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 | 637 | $113,065,000 | $177,000 | $2,245,000 | $0 | $0 |
| Home Purchase | 361 | $70,675,000 | $195,000 | $1,605,000 | $0 | $0 |
| Refinancing | 331 | $64,725,000 | $195,000 | $2,935,000 | $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 | 1,139 | $212,295,000 | $186,000 | $2,935,000 | $0 | $0 |
| Not Provided | 114 | $23,500,000 | $206,000 | $1,455,000 | $0 | $0 |
| White | 34 | $6,230,000 | $183,000 | $635,000 | $0 | $0 |
| Black or African American | 25 | $2,955,000 | $118,000 | $285,000 | $0 | $0 |
| Asian | 10 | $2,120,000 | $212,000 | $505,000 | $0 | $0 |
| Hispanic | 7 | $1,365,000 | $195,000 | $375,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,329 | $248,465,000 | $186,000 | $2,935,000 | $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 | 557 | $97,115,000 | $174,000 | $2,935,000 | $0 | $0 |
| Application Withdrawn By Applicant | 277 | $57,155,000 | $206,000 | $1,805,000 | $0 | $0 |
| Application Approved But Not Accepted | 249 | $45,775,000 | $183,000 | $1,455,000 | $0 | $0 |
| Application Denied By Financial Institution | 232 | $46,350,000 | $199,000 | $2,245,000 | $0 | $0 |
| File Closed For Incompleteness | 14 | $2,070,000 | $147,000 | $455,000 | $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 | 1,097 | $202,115,000 | $184,000 | $2,935,000 | $0 | $0 |
| Credit History | 81 | $17,265,000 | $213,000 | $2,245,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 64 | $6,050,000 | $94,000 | $255,000 | $0 | $0 |
| Other | 60 | $17,090,000 | $284,000 | $1,475,000 | $0 | $0 |
| Collateral | 26 | $5,800,000 | $223,000 | $2,005,000 | $0 | $0 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2020 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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