Constructive Loans LLC Mortgage Lending & HMDA Data, 2021
In 2021, Constructive Loans LLC of Oakbrook Terrace, IL reported 1,312 mortgage applications totaling $314.0 million, down 1% from 2020. The average application was for $239,298, and applicants reported an average income of $0. 62% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville, IL (296), New York-Jersey City-White Plains, NY-NJ (67) and Scranton--Wilkes-Barre--Hazleton, PA (47) (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 | 1,312 |
| Total Mortgage Loan Application Amount | $313,960,000 |
| Average Mortgage Loan Application Amount | $239,298 |
| Highest Mortgage Loan Application Amount | $3,125,000 |
| 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(HMDA) records Constructive Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 296 | $ 57,910,000 | $ 195,641 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 67 | $ 60,895,000 | $ 908,880 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 47 | $ 4,115,000 | $ 87,553 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 43 | $ 6,915,000 | $ 160,813 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 39 | $ 3,795,000 | $ 97,307 | $ 0 |
| Philadelphia, PA | 38 | $ 7,300,000 | $ 192,105 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 32 | $ 5,200,000 | $ 162,500 | $ 0 |
| Outside any metro area | 31 | $ 5,985,000 | $ 193,064 | $ 0 |
| Cincinnati, OH-KY-IN | 28 | $ 3,210,000 | $ 114,642 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 28 | $ 4,150,000 | $ 148,214 | $ 0 |
| New Orleans-Metairie, LA | 28 | $ 4,010,000 | $ 143,214 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 25 | $ 6,925,000 | $ 277,000 | $ 0 |
| Wheeling, WV-OH | 24 | $ 1,640,000 | $ 68,333 | $ 0 |
| Baltimore-Columbia-Towson, MD | 22 | $ 3,230,000 | $ 146,818 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 22 | $ 3,590,000 | $ 163,181 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 22 | $ 6,740,000 | $ 306,363 | $ 0 |
| Nassau County-Suffolk County, NY | 22 | $ 15,160,000 | $ 689,090 | $ 0 |
| Dallas-Plano-Irving, TX | 21 | $ 4,025,000 | $ 191,666 | $ 0 |
| Elgin, IL | 21 | $ 3,155,000 | $ 150,238 | $ 0 |
| New York-Newark, NY | 20 | $ 6,000,000 | $ 300,000 | $ 0 |
| Newark, NJ-PA | 20 | $ 6,490,000 | $ 324,500 | $ 0 |
| Pittsburgh, PA | 18 | $ 2,420,000 | $ 134,444 | $ 0 |
| Louisville/Jefferson County, KY-IN | 17 | $ 2,435,000 | $ 143,235 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 6,775,000 | $ 398,529 | $ 0 |
| Cleveland-Elyria, OH | 16 | $ 1,790,000 | $ 111,875 | $ 0 |
| Lakeland-Winter Haven, FL | 16 | $ 2,430,000 | $ 151,875 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 16 | $ 2,530,000 | $ 158,125 | $ 0 |
| Wilmington, DE-MD-NJ | 14 | $ 2,010,000 | $ 143,571 | $ 0 |
| Camden, NJ | 13 | $ 2,315,000 | $ 178,076 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 7,795,000 | $ 599,615 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 13 | $ 1,725,000 | $ 132,692 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 12 | $ 1,830,000 | $ 152,500 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 11 | $ 1,535,000 | $ 139,545 | $ 0 |
| Port St. Lucie, FL | 11 | $ 1,225,000 | $ 111,363 | $ 0 |
| St. Louis, MO-IL | 11 | $ 2,755,000 | $ 250,454 | $ 0 |
| Gary, IN | 10 | $ 1,330,000 | $ 133,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 10 | $ 3,330,000 | $ 333,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 1,350,000 | $ 168,750 | $ 0 |
| Jacksonville, FL | 7 | $ 805,000 | $ 115,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 6 | $ 730,000 | $ 121,666 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,660,000 | $ 276,666 | $ 0 |
| Memphis, TN-MS-AR | 6 | $ 380,000 | $ 63,333 | $ 0 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,305,000 | $ 261,000 | $ 0 |
| Fort Worth-Arlington, TX | 5 | $ 635,000 | $ 127,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 5 | $ 725,000 | $ 145,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,195,000 | $ 239,000 | $ 0 |
| Providence-Warwick, RI-MA | 5 | $ 2,685,000 | $ 537,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 2,210,000 | $ 552,500 | $ 0 |
| Columbus, OH | 4 | $ 330,000 | $ 82,500 | $ 0 |
| Dayton-Springfield-Kettering, OH | 4 | $ 410,000 | $ 102,500 | $ 0 |
| Denver-Aurora-Lakewood, CO | 4 | $ 2,230,000 | $ 557,500 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,730,000 | $ 432,500 | $ 0 |
| Kansas City, MO-KS | 4 | $ 490,000 | $ 122,500 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 810,000 | $ 202,500 | $ 0 |
| San Antonio-New Braunfels, TX | 4 | $ 1,060,000 | $ 265,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 4 | $ 2,200,000 | $ 550,000 | $ 0 |
| Ann Arbor, MI | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Atlantic City-Hammonton, NJ | 3 | $ 255,000 | $ 85,000 | $ 0 |
| East Stroudsburg, PA | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Erie, PA | 3 | $ 405,000 | $ 135,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 3,155,000 | $ 1,051,666 | $ 0 |
| Panama City, FL | 3 | $ 835,000 | $ 278,333 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 745,000 | $ 248,333 | $ 0 |
| Punta Gorda, FL | 3 | $ 405,000 | $ 135,000 | $ 0 |
| Syracuse, NY | 3 | $ 315,000 | $ 105,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Boston, MA | 2 | $ 460,000 | $ 230,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Manchester-Nashua, NH | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Montgomery, AL | 2 | $ 380,000 | $ 190,000 | $ 0 |
| New Haven-Milford, CT | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Rockford, IL | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Salisbury, MD-DE | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Spartanburg, SC | 2 | $ 790,000 | $ 395,000 | $ 0 |
| Waco, TX | 2 | $ 290,000 | $ 145,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Akron, OH | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Albany, GA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Albuquerque, NM | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Anchorage, AK | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Asheville, NC | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Battle Creek, MI | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Beckley, WV | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Boulder, CO | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Columbus, IN | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Dover, DE | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Fayetteville, NC | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Gainesville, FL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Gainesville, GA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Green Bay, WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Hammond, LA | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Jacksonville, NC | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Jonesboro, AR | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lafayette, LA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lancaster, PA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 955,000 | $ 955,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Midland, TX | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Morristown, TN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Muskegon, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Ocean City, NJ | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Racine, WI | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Rochester, NY | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Savannah, GA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Sebring, FL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Springfield, MA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Topeka, KS | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Warner Robins, GA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 785,000 | $ 785,000 | $ 0 |
Mortgage Loan Application Detail Totals for Constructive Loans LLC in 2021
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 | 735 | $158,385,000 | $215,000 | $2,215,000 | $0 | $0 |
| Home Purchase | 395 | $99,905,000 | $252,000 | $2,125,000 | $0 | $0 |
| Refinancing | 182 | $55,670,000 | $305,000 | $3,125,000 | $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 | 1,117 | $276,625,000 | $247,000 | $3,125,000 | $0 | $0 |
| Not Provided | 59 | $12,415,000 | $210,000 | $2,105,000 | $0 | $0 |
| Black or African American | 56 | $8,360,000 | $149,000 | $565,000 | $0 | $0 |
| White | 36 | $8,700,000 | $241,000 | $1,825,000 | $0 | $0 |
| Hispanic | 29 | $5,165,000 | $178,000 | $375,000 | $0 | $0 |
| Asian | 14 | $2,600,000 | $185,000 | $315,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,312 | $313,960,000 | $239,000 | $3,125,000 | $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 | 820 | $190,490,000 | $232,000 | $2,505,000 | $0 | $0 |
| Application Approved But Not Accepted | 254 | $53,200,000 | $209,000 | $3,125,000 | $0 | $0 |
| Application Withdrawn By Applicant | 179 | $50,665,000 | $283,000 | $2,125,000 | $0 | $0 |
| Application Denied By Financial Institution | 57 | $19,165,000 | $336,000 | $1,855,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $440,000 | $220,000 | $365,000 | $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 | 1,255 | $294,795,000 | $234,000 | $3,125,000 | $0 | $0 |
| Collateral | 24 | $6,560,000 | $273,000 | $1,815,000 | $0 | $0 |
| Credit History | 17 | $9,865,000 | $580,000 | $1,855,000 | $0 | $0 |
| Other | 9 | $1,235,000 | $137,000 | $355,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $525,000 | $175,000 | $375,000 | $0 | $0 |
| Unverifiable Information | 2 | $350,000 | $175,000 | $195,000 | $0 | $0 |
| Debt-To-Income Ratio | 2 | $630,000 | $315,000 | $415,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Constructive Loans LLC's 2021 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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