Constant Investments at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
61st0.19 ptsProcesswithdrawn + incomplete share, weight 15%
61st9.3%Closing coststotal loan costs ÷ loan amount, weight 10%
33rd2.37% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 218 | 184 | 1.8% | 2.1% | 6.88% | $77M |
| 2024 | 307 | 257 | 1.3% | 1.5% | 6.88% | $103M |
| 2025 | 259 | 235 | 0.0% | 0.0% | 6.63% | $87M |
What Constant Investments lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 49 investment properties.
Who gets approved at Constant Investments
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 80 | 78 | 0.0% |
| $100k – $150k | 60 | 57 | 0.0% |
| $150k – $250k | 75 | 63 | 0.0% |
| Over $250k | 33 | 27 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 60 | 0.0% |
| 35–44 | 79 | 74 | 0.0% |
| 45–54 | 58 | 50 | 0.0% |
| 55–64 | 35 | 30 | 0.0% |
Where Constant Investments lends
7 states and 40 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 144 | 138 | 0.0% | 6.50% | #483 |
| California | 92 | 76 | 0.0% | 6.63% | #453 |
| Nevada | 11 | 9 | 0.0% | 6.88% | #307 |
| Georgia | 9 | 9 | 0.0% | 6.63% | #684 |
Frequently asked questions
Constant Investments denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Constant Investments originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.19 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 86% of its applications were for home purchases, 14% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.