Constructive Loans in Connecticut vs the state
11.1%Denial rate-6.29 pts vs state
11.1%Decision denial rate-10.48 pts vs state
80.6%Origination rate+20.18 pts vs state
7.38%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
29Loans originated
4Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 34 | 0.0% | 8.13% | #222 |
| 2024 | 57 | 51 | 3.5% | 7.34% | #214 |
| 2025 | 36 | 29 | 11.1% | 7.38% | #239 |
What Constructive Loans lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Where in Connecticut
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| 09170 | 12 | 10 | 1 | 8.3% |
| 09110 | 9 | 9 | 0 | 0.0% |
| 09140 | 6 | 3 | 3 | 50.0% |
| 09120 | 4 | 4 | 0 | 0.0% |
| 09180 | 2 | 2 | 0 | 0.0% |
| 09190 | 2 | 1 | 0 | 0.0% |
| 09160 | 1 | 0 | 0 | 0.0% |
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Liberty Bank | A | 3,513 | 9.5% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
Frequently asked questions
Connecticut: 36 applications in 2025, of which 29 were originated and 4 denied.
11.1% of all applications, or 11.1% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
The median rate on loans Constructive Loans originated in Connecticut in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Constructive Loans's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology