Constructive Loans LLC Mortgage Lending & HMDA Data, 2023
In 2023, Constructive Loans LLC of Oakbrook Terrace, IL reported 732 mortgage applications totaling $219.4 million, up 481% from 2022. The average application was for $299,713, and applicants reported an average income of $0. 80% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Newark, NJ-PA (169), Philadelphia, PA (100) and New York-Jersey City-White Plains, NY-NJ (56) (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 | 732 |
| Total Mortgage Loan Application Amount | $219,390,000 |
| Average Mortgage Loan Application Amount | $299,713 |
| Highest Mortgage Loan Application Amount | $1,855,000 |
| 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(HMDA) records Constructive Loans LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Newark, NJ-PA | 169 | $ 84,845,000 | $ 502,041 | $ 0 |
| Philadelphia, PA | 100 | $ 17,140,000 | $ 171,400 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 56 | $ 28,800,000 | $ 514,285 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 30 | $ 2,560,000 | $ 85,333 | $ 0 |
| New York-Newark, NY | 29 | $ 10,905,000 | $ 376,034 | $ 0 |
| Trenton, NJ | 26 | $ 3,880,000 | $ 149,230 | $ 0 |
| New Haven-Milford, CT | 21 | $ 5,525,000 | $ 263,095 | $ 0 |
| Camden, NJ | 19 | $ 3,135,000 | $ 165,000 | $ 0 |
| Cleveland-Elyria, OH | 19 | $ 2,065,000 | $ 108,684 | $ 0 |
| Chicago-Naperville, IL | 13 | $ 2,445,000 | $ 188,076 | $ 0 |
| Outside any metro area | 13 | $ 2,785,000 | $ 214,230 | $ 0 |
| Baltimore-Columbia-Towson, MD | 12 | $ 2,930,000 | $ 244,166 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 12 | $ 1,630,000 | $ 135,833 | $ 0 |
| Cincinnati, OH-KY-IN | 11 | $ 1,565,000 | $ 142,272 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 11 | $ 3,325,000 | $ 302,272 | $ 0 |
| Vineland-Bridgeton, NJ | 11 | $ 1,465,000 | $ 133,181 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 10 | $ 1,500,000 | $ 150,000 | $ 0 |
| Pittsburgh, PA | 10 | $ 1,440,000 | $ 144,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 3,740,000 | $ 374,000 | $ 0 |
| Wilmington, DE-MD-NJ | 10 | $ 1,630,000 | $ 163,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 3,480,000 | $ 435,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 6,275,000 | $ 896,428 | $ 0 |
| Atlantic City-Hammonton, NJ | 6 | $ 1,350,000 | $ 225,000 | $ 0 |
| Fayetteville, NC | 6 | $ 790,000 | $ 131,666 | $ 0 |
| Dallas-Plano-Irving, TX | 5 | $ 2,855,000 | $ 571,000 | $ 0 |
| Fort Worth-Arlington, TX | 5 | $ 1,005,000 | $ 201,000 | $ 0 |
| Tulsa, OK | 5 | $ 575,000 | $ 115,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Jacksonville, FL | 4 | $ 490,000 | $ 122,500 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Oklahoma City, OK | 4 | $ 990,000 | $ 247,500 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 2,520,000 | $ 630,000 | $ 0 |
| Syracuse, NY | 4 | $ 530,000 | $ 132,500 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 525,000 | $ 175,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 745,000 | $ 248,333 | $ 0 |
| Kalamazoo-Portage, MI | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,605,000 | $ 535,000 | $ 0 |
| Spartanburg, SC | 3 | $ 1,185,000 | $ 395,000 | $ 0 |
| St. Louis, MO-IL | 3 | $ 215,000 | $ 71,666 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 405,000 | $ 135,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 795,000 | $ 265,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Beaumont-Port Arthur, TX | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,020,000 | $ 510,000 | $ 0 |
| Elmira, NY | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Greeley, CO | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Nassau County-Suffolk County, NY | 2 | $ 950,000 | $ 475,000 | $ 0 |
| Rocky Mount, NC | 2 | $ 240,000 | $ 120,000 | $ 0 |
| San Antonio-New Braunfels, TX | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Columbia, SC | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Elgin, IL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Flint, MI | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lawton, OK | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mobile, AL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Reading, PA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Rockford, IL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Santa Fe, NM | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Springfield, MA | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Sumter, SC | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 185,000 | $ 185,000 | $ 0 |
| York-Hanover, PA | 1 | $ 95,000 | $ 95,000 | $ 0 |
Mortgage Loan Application Detail Totals for Constructive Loans LLC in 2023
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 310 | $113,400,000 | $365,000 | $1,775,000 | $0 | $0 |
| Cash-out Refinancing | 278 | $55,760,000 | $200,000 | $1,855,000 | $0 | $0 |
| Refinancing | 144 | $50,230,000 | $348,000 | $1,855,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 712 | $216,010,000 | $303,000 | $1,855,000 | $0 | $0 |
| Not Provided | 8 | $1,860,000 | $232,000 | $865,000 | $0 | $0 |
| White | 5 | $615,000 | $123,000 | $155,000 | $0 | $0 |
| Asian | 3 | $215,000 | $71,000 | $95,000 | $0 | $0 |
| Hispanic | 3 | $615,000 | $205,000 | $275,000 | $0 | $0 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $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) | 732 | $219,390,000 | $299,000 | $1,855,000 | $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 | 587 | $174,545,000 | $297,000 | $1,775,000 | $0 | $0 |
| Application Approved But Not Accepted | 110 | $27,710,000 | $251,000 | $1,075,000 | $0 | $0 |
| Application Withdrawn By Applicant | 34 | $16,980,000 | $499,000 | $1,855,000 | $0 | $0 |
| Application Denied By Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 | 731 | $219,235,000 | $299,000 | $1,855,000 | $0 | $0 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Constructive Loans LLC's 2023 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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