Constructive Loans in Massachusetts vs the state
0.0%Denial rate-16.21 pts vs state
0.0%Decision denial rate-19.95 pts vs state
83.3%Origination rate+20.73 pts vs state
7.00%Median rate+0.38 pts vs state
—Rate spread (pts)
—Median applicant income
5Loans originated
0Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 13 | 12 | 7.7% | 7.44% | #428 |
| 2025 | 6 | 5 | 0.0% | 7.00% | #499 |
What Constructive Loans lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 5 | 4 | 0 | 0.0% |
| Berkshire County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 6 applications in 2025, of which 5 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Constructive Loans originated in Massachusetts in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Constructive Loans's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology