Constructive Loans in Pennsylvania vs the state
7.6%Denial rate-10.70 pts vs state
8.1%Decision denial rate-14.08 pts vs state
79.5%Origination rate+18.58 pts vs state
7.38%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
346Loans originated
33Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 111 | 0.8% | 8.63% | #339 |
| 2024 | 293 | 250 | 2.1% | 7.88% | #215 |
| 2025 | 435 | 346 | 7.6% | 7.38% | #173 |
What Constructive Loans lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Constructive Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 260 | 209 | 29 | 11.2% |
| Delaware County | 43 | 39 | 0 | 0.0% |
| Allegheny County | 37 | 31 | 2 | 5.4% |
| Lackawanna County | 20 | 18 | 0 | 0.0% |
| Luzerne County | 12 | 11 | 0 | 0.0% |
| Lebanon County | 9 | 8 | 0 | 0.0% |
| Lawrence County | 8 | 0 | 0 | 0.0% |
| Lehigh County | 6 | 4 | 0 | 0.0% |
| Northumberland County | 6 | 6 | 0 | 0.0% |
| Montgomery County | 5 | 3 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 435 applications in 2025, of which 346 were originated and 33 denied.
7.6% of all applications, or 8.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Constructive Loans originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology