Constructive Loans in Florida vs the state
7.9%Denial rate-13.17 pts vs state
9.6%Decision denial rate-17.64 pts vs state
42.1%Origination rate-10.58 pts vs state
7.38%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
64Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 29 | 0.0% | 8.56% | #563 |
| 2024 | 47 | 36 | 2.1% | 7.14% | #609 |
| 2025 | 152 | 64 | 7.9% | 7.38% | #416 |
What Constructive Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Seminole County | 32 | 0 | 0 | 0.0% |
| Indian River County | 28 | 6 | 2 | 7.1% |
| Duval County | 15 | 10 | 0 | 0.0% |
| Orange County | 14 | 8 | 1 | 7.1% |
| Palm Beach County | 13 | 7 | 5 | 38.5% |
| Broward County | 10 | 6 | 2 | 20.0% |
| Miami-Dade County | 10 | 3 | 2 | 20.0% |
| Brevard County | 6 | 6 | 0 | 0.0% |
| Lee County | 4 | 2 | 0 | 0.0% |
| Volusia County | 3 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 152 applications in 2025, of which 64 were originated and 12 denied.
7.9% of all applications, or 9.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Constructive Loans originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology